Personal Banking

Our Products & Services

Biscayne Bank offers a full array of financial products and services for individuals and families, including checking, savings, NOW, money market accounts, debit cards, mortgages and loans for almost any purpose. We also offer accounts designed specifically to serve the needs of foreign residents.

Please visit any one of our offices or contact us via email if you would like additional information about opening an account with Biscayne Bank

Checking Accounts

Domestic Accounts

Our personal checking accounts include a debit card so you can access your accounts to pay for purchases and withdraw cash 24 hours a day, 7 days a week. Additionally, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • Free and unlimited ACH (pre-authorized debit/credit)
  • FDIC insurance
  • No per-check fees

Our Domestic Checking Accounts require a minimum opening deposit of $2,500, while maintaining a $2,500 balance each day to avoid $25 monthly minimum balance fee

We also offer a Special Personal Checking Account offering many of the same features with a minimum deposit of just $100 to open your account.

Foreign Accounts

Our personal checking accounts for foreign residents include a debit card so you can access your account to pay for purchases and withdraw cash 24 hours a day, 7 days a week. Additionally, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • Free and unlimited ACH (pre-authorized debit/credit)
  • FDIC insurance
  • No per-check fees

Our personal checking accounts for foreign residents require a minimum opening deposit of $5,000, while maintaining a $5,000 daily balance to avoid a $25 monthly minimum balance fee.

NOW Accounts

Domestic Accounts

Our interest-bearing checking (NOW) accounts are available to individuals, sole proprietorships, and nonprofit organizations. They allow unlimited check and online transactions, and include a debit card so you can access your accounts to pay for purchases and withdraw cash 24 hours a day, 7 days a week. Additionally, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • Free and unlimited ACH (pre-authorized debit/credit)
  • FDIC insurance
  • No per-check fees
  • Monthly interest paid see current rates

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Our Domestic NOW Accounts require a minimum opening deposit of $2,500, while maintaining a $2,500 daily balance to avoid a $25 monthly minimum balance fee.

Foreign Accounts

Our interest-bearing checking (NOW) accounts are available to foreign residents. They allow you to make unlimited check and online transactions, and include a debit card so you can access your accounts to pay for purchases and withdraw cash 24 hours a day, 7 days a week. Additionally, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • Free and unlimited ACH (pre-authorized debit/credit)
  • FDIC insurance
  • No per-check fees
  • Monthly interest paid see current rates

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Our NOW accounts for foreign residents require a minimum opening deposit of $5,000, while maintaining a $5,000 balance each day to avoid a $25 monthly minimum balance fee.

Debit Cards

Domestic & Foreign Accounts

For maximum convenience, our personal checking and NOW accounts include a debit card that allows you to pay for purchases and withdraw cash 24 hours a day, 7 days a week. For more information on lost or stolen debit cards, please click here.

Money Market Accounts

Domestic Accounts

Our interest-bearing money market accounts are available to all individuals. In addition to earning interest, you will have:

 

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • FDIC insurance
  • No per-check fees
  • Monthly interest paid see current rates

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Our Domestic Money Marketing accounts require a minimum opening deposit of $2,500 while maintaining a $2,500 balance each day to avoid a $25 monthly minimum balance fee. This account pays interest on a tiered basis. A larger balance will earn a higher rate and annual percentage yield (APY). Transfers to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per monthly statement cycle.

Foreign Accounts

Our interest-bearing money market accounts are available for foreign residents. In addition to earning interest, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • FDIC insurance
  • No per-check fees
  • Monthly interest paid - see current rates

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Our Money Market accounts for foreign residents require a minimum opening deposit of $10,000, while maintaining a $10,000 balance each day to avoid a $25 monthly minimum balance fee. This account pays interest on a tiered basis. A larger balance will earn a higher rate and annual percentage yield (APY). Transfers to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per monthly statement cycle.

Savings Accounts

Domestic Accounts

Our interest-bearing savings accounts can provide easily accessible funds for emergencies or other unexpected expenses. With a Biscayne Bank savings account, you will have:

  • Free online banking
  • Unlimited deposits allowed within each statement cycle
  • FDIC insurance
  • No per-transaction fee
  • Monthly interest paid see current rates

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Our Domestic Savings accounts require a minimum opening deposit of $1,000, while maintaining a $1,000 balance each day to avoid a $25 monthly maintenance fee. Transfers from a savings account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per monthly statement cycle.

Foreign Accounts

We offer interest-bearing savings accounts to foreign individuals. These accounts can provide easily accessible funds for emergencies or other unexpected expenses. With a Biscayne Bank savings account, you will have:

  • Free online banking
  • FDIC insurance
  • No per-transaction fee
  • Monthly interest paid see current rates

Interest begins to accrue no later than on the business day we receive credit for noncash items. We use the daily balance method to calculate the interest on your account. (We apply a daily periodic rate to the principal in the account each day. Our Savings accounts for foreign residents require a minimum opening deposit of $10,000, while maintaining a $10,000 balance each day to avoid a $25 monthly maintenance fee. Transfers from a savings account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per monthly statement cycle.

Time Deposits

Domestic & Foreign Accounts

We offer time deposit accounts at varying terms and rates of interest. These deposits provide you with an investment option that includes FDIC insurance protection. With a Biscayne Bank Time Deposit, you can have:

  • Investment terms range from 30 days through 5 years
  • Rate and annual percentage yield earned are based on the amount of the deposit and the length of the deposit term see current rates
  • Once purchased, the interest rate is fixed until first maturity.

Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We use the daily balance method to calculate the interest on your account. We apply a daily periodic rate to the principal in the account each day. Time deposits are automatically renewable on maturity at the then-prevailing rate. Time deposits can be used as collateral should a borrowing need arise. Our Time Deposit accounts for domestic and foreign residents require a minimum opening deposit of $20,000. There is a ten calendar-day grace period to withdraw your money without penalty.

Online Banking & Cash Management

 

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