Frequently Asked Questions

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Personal
Business
Investment Services
Trust Services
Personal
What is the W-8BEN?

In accordance with U.S Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer.

What documents do we need to fill out to update the W-8BEN form?

Each signer must fill out the following forms:

  • The Substitute Form W-8BEN
  • The FTIN Form if you don’t have a foreign tax identifying number
  • The US Mailing Address explanation Form
  • Signers must also provide a copy of an unexpired government-issued ID.

    Where do I send my W-8BEN?

    You may send your W8-BEN to documentos@amerantbank.com

    How can I request a debit card?

    Log into your online banking, and under online requests, click on debit card.

    How do I update my personal information?

    Log into your online banking, and under other services, click on update under my contact information.

    What is Amerant Bank's routing number?

    Our ABA routing number is 067010509

    What is Amerant Bank's swift code?

    Our swift code is MNBMUS33

    What are your hours of operation?

    Our Banking Centers are open Mondays – Thursdays from 9:00 AM to 4:00 PM and Fridays from 9:00 AM to 6:00 PM

    Our Call Center is open from Monday – Friday from 7:00 AM to 8:00 PM and Saturdays from 8:00 AM to 5:00 PM

    What are the fees for outgoing wire transfers?

    Within Amerant Bank – No charge

    Domestic or International – $35 (online)

    For additional fees, please refer to our Miscellaneous Fees Schedule

    What are the fees for incoming wire transfers?

    Within Amerant Bank – No Charge

    Domestic or International – $12

    For additional fees, please refer to our Miscellaneous Fees Schedule

    How can I open an International account?

    You can open an International Premier Checking and International Wealth Checking account online. All other international accounts must be opened at a banking center in person with all of the signers present.

    Is Amerant Bank FDIC insured?

    Yes. Deposits up to $250,000 are FDIC insured.

    Where is Amerant Bank located?

    We serve the South Florida and Houston areas with a Loan Production office in New York. Visit our locations page to find your nearest one

    Does Amerant Bank have Zelle®?

    Yes we do! It is already available within the Amerant MobileSM app and the Amerant Online BankingSM platform. Learn how to enroll in Zelle®.

    Is Amerant Bank safe?

    Yes, we’ve been in business since 1979. Deposits are FDIC Insured for up to $250,000. You can see what Bankrate, MyBankTracker, and DepositAccounts have to say about us.

    Business
    What are your hours of operation?

    Our Banking Centers are open Mondays – Thursdays from 9:00 AM to 4:00 PM and Fridays from 9:00 AM to 6:00 PM

    Our Call Center is open Monday – Friday from 8:00 AM to 6:00 PM

    How do I enroll into the Business Online Banking?

    You must get in contact with your officer or visit your nearest banking center.

    What are the different services offered online for my business?

    The main services offered for your business online banking are ACH, Positive Pay and Remote Deposit Capture. These services are only offered to our domestic business customers. Click here to learn more about these services.

    What is Positive Pay?

    This is a service offered to businesses that create and send a high volume of checks. This is an automated fraud detection tool that compares the checks you authorized as being issued against checks that may be presented but not authorized. This service is only offered to our domestic business customers.

    What is the Remote Deposit Capture?

    This is a service in which you can deposit checks from the comfort of your own office. No need to visit a banking center. This service is only offered to our domestic business customers.

    What is the W-8BEN-E?

    In accordance with U.S. Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN-E “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer.

    What documents do we need to fill out to update the W-8BEN-E form?

    Each signer must do the following:

  • Follow these instructions and fill out the W-8BEN-E form
  • Follow these instructions and fill out the Affidavit W-8BEN-E Form
  • Fill out the FTIN Form if you don’t have a foreign tax identifying number
  • Fill out the US Mailing Address explanation Form, and,
  • Provide a copy of an unexpired government-issued ID.
  • Where do I send my W-8BEN-E?

    You may send your W-8BEN-E to documentos@amerantbank.com

    What is Amerant Bank's routing number?

    Our ABA routing number is 067010509

    What is Amerant Bank's swift code?

    Our swift code is MNBMUS33

    Investment Services
    How can I access my Amerant Investments account online?

    Log in to Amerant Investments, and follow the instructions

    How can I change my User ID and/or Password for my Amerant Investment online account?

    Your User ID can be changed by contacting your Investment Consultant.

    For domestic customers, your Password can be changed in either two ways:
    1. Go to the Amerant Investments login page, click “Forgot Password?”, and follow the instructions, or
    2. Contact your Investment Consultant.

    For international customers, contact your Investment Consultant

    How can I contact my Investment Consultant?

    You can Contact your Investment Consultant by calling:

      • Telephone: (305) 460-8599
      • Toll free inside U.S: 1-800-320-2819
      • Toll free from Venezuela: 0-800-100-598.

    Monday – Friday 9:00 AM – 5:00 PM EST

    Trust Services
    If assets are under a Trust, will I continue managing the investments as done as of today with my Investment Consultant?

    The Trustee, as the legal owner of the trust assets, including the investment accounts under the trust, might issue a Limited Power of Attorney for you to act as an Authorized Agent of the Trustee in the account(s). You will have the power to trade, purchase and sale but won’t be permitted to redeem or withdraw assets from the investment account(s)

    Can I revoke the trust?

    If the Trust is revocable, yes, the trust is revocable during the Settlor’s life. After the Settlor’s death or incapacity, the trust becomes irrevocable for the benefit of the beneficiaries until the occurrence of an event specified in the trust instrument.

    Can I access the Trust Funds in case of an emergency?

    Yes

    What happens if I, as a Settlor, become incapacitated?

    The trust instrument and/or other documents incorporated to the trust instrument by reference, include provisions to this end. Depending on the language of the Trust Instrument you may be able to designate the person that might make requests to the Trustee for the benefit of the beneficiaries on your behalf while you are incapable.

    What happens with trust assets if the Trustee goes bankrupt?

    Trust assets are not part of Trustee’s assets and cannot be attached by creditors of Trustee. Trust assets will be transferred to a successor trustee either determined by a court of law or by the Settlor/Protector if the Trust instruments provides for this possibility.

    Are assets guaranteed by the mere fact of being under a Trust?

    No. A trust provides no guarantee that funds will not be lost or will lose value if invested in the market. Guarantees may be provided by the financial institution were trust funds are deposited (such as Bank insured by the FDIC, according to the limits specified by the FDIC). Trust Funds that are invested in the market are not guaranteed and may lose value.

    Does Amerant Bank provide legal or tax advice?

    No. Every client is encourage that any proposal be consulted with their own attorney and/or tax expert.

    Why should I hire a Corporate Trustee?

    Corporate Trustee have dedicated and trained specialists to handle complex trust issues and will handle issues in an impartial manner complying with fiduciary duties. Corporate trustee also have the professional and technical resources to manage Trust assets pursuant to the trust instrument and Settlor’s wishes, even avoiding conflicts between family members and beneficiaries. Whereas individual trustees or even family trustees may not have the experience or resources at hand to manage the trust assets per the Trust’s purpose of the Settlor wishes, and might be even be perceived as partial.

    Can the beneficiaries of the Trust be changed?

    Yes, if the trust instrument allows it.

    What happens if one of the beneficiaries dies before Settlor dies?

    In a revocable trust, the Settlor can change or modify the beneficiaries at any time. Trusts normally have default provisions that provide for these situations.

    Can I transfer the trust with/to another trustee?

    Yes, depending on the trust instrument and applicable laws.

    Where are the funds of the trust invested?

    The trust funds are typically held in bank accounts, certificates of deposit, or in investment accounts. Trust can also hold real estate and other type of assets.