Personal Banking International Account Information

Effective October 15, 2021

Checking Account Options* Savings Account Options*

International International International International International International Certificates of
Value Checking Value Plus Checking Interest Checking†,2 Premier Checking2 Savings†,2 Money Market2,3 Deposit (CD)6
Simple and convenient checking Account with easy access to your Interest bearing checking with easy Interest bearing checking with Interest bearing savings account with Interest bearing account with Savings instrument with fixed
Account Benefits favorable interest rates and a low
with easy access to your money and money and an unlimited number access to your money and an favorable interest rates, easy competitive interest rates and a interest rates with flexible terms
an unlimited number of transactions of transactions unlimited number of transactions access to your money and an minimum balance requirement; quick limited number of transactions and produce higher yields
unlimited number of transactions and secure access to your money via
your ATM debit card

Minimum Opening Balance $5,000 $25,000 $5,0007 $25,000 $3,0007 $5,000 $10,000

Earns Interest Tiered 2

Tiered 2
Tiered 2
Tiered 2
Fixed Rate

Balance to Waive $5,00010 $25,0008 $5,0007,8 $25,0008 $2,5007,8 $5,0008

Maintenance Fees

Monthly Maintenance $20 monthly $50 monthly $20 monthly $50 monthly $10 monthly $20 monthly
Fees and Service $0.25 per check $0.30 per check
Charges4 or debit transaction or debit transaction

Other Ways to Avoid $50,000 combined monthly $15,000 combined monthly $50,000 combined monthly $10,000 combined monthly $15,000 combined monthly average
average balance in deposit, or average balance in deposit, or average balance in deposit, or average balance in deposit, or balance in deposit, or Amerant
Monthly Fees
Amerant Investment accounts9 Amerant Investment accounts9 Amerant Investment accounts9 Amerant Investment accounts9 Investment accounts9

Excess or Early Withdrawal/ $12 per transaction3 in excess CDs are for a fixed amount for a
Transfer Fee of monthly limit fixed term. Early withdrawal
penalties apply5

Minimum Daily Balance

$5,000 $1 $2,500 $5,000 Refer to Rate Chart
to Collect Interest

1 - 2 Month: Monthly / 3 Month:

Compounding and Monthly or Maturity / 6 Month: Monthly,
Monthly Monthly Monthly Monthly
Crediting Method Quarterly or Maturity / 1 - 5 Year:
Monthly, Quarterly or Semi-annually
Debit Card
Make transactions at Make transactions at Make transactions at Make transactions at Make transactions at Make transactions at
Surcharge-Free ATM Amerant Bank, Presto! Amerant Bank, Presto! Amerant Bank, Presto! Amerant Bank, Presto! Amerant Bank, Presto! Amerant Bank, Presto!
Banking Access1 (Publix), and Allpoint (Publix), and Allpoint (Publix), and Allpoint (Publix), and Allpoint (Publix), and Allpoint (Publix), and Allpoint
Network locations Network locations Network locations Network locations Network locations Network locations

Telephone Banking Service

Online Banking Includes e-Notifications Includes e-Notifications Includes e-Notifications Includes e-Notifications Includes e-Notifications Includes e-Notifications Includes e-Notifications

AMTB-PBI-10/15/2021-ENG
Online Statements Monthly Monthly Monthly Monthly Monthly Monthly

Online Check Images

Mobile Banking Includes check deposit Includes check deposit Includes check deposit Includes check deposit

Unlimited number of Unlimited number of Unlimited number of Unlimited number of

Wire Transfers transactions per month transactions per month transactions per month transactions per month

* For additional fees related to these accounts, please refer to our Miscellaneous Service Fees for International Personal, Commercial and Corporate Accounts.
† Politically Exposed Persons (PEP) are only qualified for the following products: International Interest Checking and International Savings Account. Additionally, Politically Exposed Persons
(PEP) who have a: International Interest Checking or International Savings Account also qualify for Certificate of Deposits.
1 Available ATMs include Amerant Bank branch locations, Publix Presto! store locations and the Allpoint Network at participating retail locations. Surcharge-Free ATM transactions at Publix
Presto! and Allpoint ATMs include cash withdrawals and balance inquiries. To find the closest ATM or Branch location, visit us online at amerantbank.com or allpointnetwork.com.
2 At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the
deposit of noncash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate
interest on the account. This method applies a daily periodic rate to the principal in the account each day.
3 You may make no more than six preauthorized withdrawals, preauthorized transfers for overdraft protection, automatic or telephone transfers, checks, drafts, and debit card or other similar
transactions from your account per statement cycle.
4 These charges will be applied when the account's monthly average balance is less than the monthly average balance required.
5 Early withdrawal penalties apply to CDs. For additional fees related to these accounts, please refer to our Miscellaneous Service Fees schedule. Interest begins to accrue on the business day we
receive credit for the deposit of noncash items. You may not make deposits into or withdrawals from your account until the maturity date. CDs can have single maturity or
automatic renewal at the maturity date. If the automatic renewal feature is selected, you will have 10 calendar days after maturity to withdraw funds without penalty.
For additional information and terms related to this account, please refer to the rate chart provided at account opening.
6 For additional information and terms related to Certificate of Deposits (CDs), please refer to the Rate Chart provided at account opening.
7 Politically Exposed Persons (PEP) may be subject to a different fee structure. For Politically Exposed Persons (PEP) a minimum account opening balance of $10,000 is required and
must be maintained as your average monthly balance in order to avoid monthly maintenance fees of $25 for International Savings and $50 for International Interest Checking.
8 Average Monthly Balance is used to calculate Monthly Maintenance Fee.
9 Investment products and services offered through Amerant Investments, Inc.: Not FDIC insured | Not bank guaranteed | May lose value | Not deposits | Not insured by
governmental agencies | Member FINRA/SIPC, Registered Investment Advisor.
10 Daily balance is used to calculate the Maintenance Fee.
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