Deposit Accounts

Personal Checking Account *

Checking account ideal for handling everyday transactions.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • ATM availability.
  • Minimum opening deposit amount required.
  • Minimum monthly average balance required.

* All funds in a noninterest-bearing transaction accounts are insured in full by the Federal Deposit Insurance Corporation (FDIC) from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

Interest Bearing Checking Account (formerly NOW Account)

This account offers the flexibility of a checking account and the return of a savings account with ATM access.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • Interest accrues daily based on rates offered by the Bank.
  • Interest earned and credited monthly.
  • Minimum opening deposit amount required.
  • Minimum monthly average balance required.
  • Available only for individuals and non profit organizations.

Super NOW Account

As of January 1, 2011, the Super NOW account is no longer eligible for unlimited FDIC insurance coverage.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • Interest accrues daily based on rates offered by the Bank.
  • Interest earned and credited monthly.
  • Minimum opening deposit amount required
  • Minimum monthly average balance required.
  • Available only for individuals and non profit organizations.

Aditional Information

Personal Savings Account

Savings account with competitive rates and access to cash through ATM system.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • Interest accrues daily based on rates offered by the Bank.
  • Interest earned and credited monthly.
  • Limit of six (6) permissible monthly number of transfers or withdrawals from savings deposits by check, debit card or other drafts to third parties.
  • Minimum opening deposit amount required.
  • Minimum monthly average balance required.

Money Market Account

This account offers competitive rates on your deposits. You may make an unlimited number of deposit transactions and a limited number of withdrawals monthly.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • Interest accrued and credited monthly.
  • Limit of six (6) permissible monthly number of transfers or withdrawals from savings deposits by check, debit card or other drafts to third parties.
  • Minimum opening deposit amount required.
  • Minimum monthly average balance required.

Premium Money Market Account

This account offers premium rates for average monthly balances of over US$ 200,000.00.

Features

  • AmeriTransfer® – Internet based fund transfer system within Central America, Panama and the United States.
  • Online statements.
  • Interest rates higher than the interest rates for the regular Money Market Account.
  • Interest accrued and credited monthly.
  • Limit of six (6) permissible monthly number of transfers or withdrawals from savings deposits by check, debit card or other drafts to third parties.
  • Minimum opening deposit amount required.
  • Minimum monthly average balance of over US$ 200,000.00.

Certificates of Deposit (CD)

This account offers a guaranteed competitive interest rate for fixed period of time. Various maturities and rates available.

Features

  • Interest accrues daily based on rates offered by the Bank.
  • Automatic renewal at maturity.
  • Minimum opening deposit amount required.
  • Fees apply to any CD canceled before the maturity date.

Flexible Certificate of Deposit (CD)

This account offers a guaranteed competitive rate of return for a period of time. Various maturities and interest are available.

Features

  • The "Flexible CD" is a special type of time deposit that allows you to make 2 withdrawals of up to 50% of the original balance with no penalty before maturity.
  • Two maturities available: 5 Months & 10 Months.
  • Automatic renewal at maturity.
  • Minimum opening deposit amount required.

Euro Denominated Time Deposits *

Euro denominated certificates of deposits which offer a guaranteed competitive rate of return for an established period of time.

Features

  • Interest accrues daily based on rates offered by the Bank.
  • Fees apply to any CD canceled before the maturity date.
  • Minimum opening deposit amount required.

* This account is not covered or guaranteed by the FDIC (Federal Deposit Insurance Corporation).

DISCLOSURE

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.