Terms & Conditions

Refer A Friend Checking Account Offer:

  • Checking Accounts


The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual referred (Referred Person) to Amerant Bank, who does not already have an Amerant Bank checking account, registers for the offer, opens a new Value Checking, Interest Checking, or Relationship Interest Checking account and completes the other requirements within the time specified in the offer.


To earn a $50 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to these Terms and Conditions, and open a new Value Checking, Interest Checking, or Relationship Interest Checking account after receiving the email or social media offer through the official means of the program. As the Referred Person, by using ReferLive, the Referrer may infer that you are a customer of Amerant Bank.


You must complete the following requirement within 60 days of account opening. Please see section four (4) for additional details and timeframes listed below.

  • Complete four (4) Debit Card transactions (PIN or Signature)


Value Checking accounts require a $50 minimum opening deposit and incur a $5 monthly service fee. This service fee is waived if any one of the following are met per statement cycle: enrolled in online statement, monthly direct deposit, or the completion of 4 debit card transactions. Interest Checking accounts require a $100 minimum opening deposit and incur a $15 monthly service fee. This service fee is waived if the account maintains an average balance of $2,500 per statement cycle. This account is a tiered rate account and the Annual Percentage Yield (APY) depends on the balance in the account: Balances from $100 - $9,999.99 receive 0.01% APY; balances from $10,000 - $49,999.99 receive 0.05% APY; balances from $50,000 - $249,999.99 receive 0.10% APY; balances from $250,000 and over receive 0.15% APY. Relationship Interest Checking accounts require a $100 minimum opening deposit and incur a $35 monthly service fee. This service fee is waived if $50,000 combined monthly average balance in deposit, loan, or Amerant Investment accounts (excludes time deposit balances) AND Monthly Direct Deposit OR 10 transactions per statement cycle. This account is a variable rate account, balances from $100 and above receive 0.05% APY.


At Amerant Bank’s 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. Stated APYs are valid only for Domestic Personal account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number.


Certain restrictions and fees may apply which could reduce earnings on the account. For additional information and fees related to this account, please refer to the Personal Checking and Savings Accounts brochure and the Miscellaneous Service Fees for Personal, Commercial, and Corporate Accounts brochure.




  • Money Market Accounts


The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual referred (Referred Person) to Amerant Bank, who does not already have an open Amerant Bank money market account, registers for the offer, opens a new Money Market or Relationship Money Market account and completes the other requirements within the time specified in the offer.


To earn a $50 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to these Terms and Conditions, and open a new Money Market or Relationship Money Market account after receiving the email or social media offer through the official means of the program. As the Referred Person, by using ReferLive, the Referrer may infer that you are a customer of Amerant Bank.


The new money market account must remain open for 60 days after account opening. Please see section four (4) for additional details and timeframes.


Money Market accounts require a $100 minimum opening deposit and incur a $25 monthly service fee. This service fee is waived if any one of the following are met per statement cycle: maintain $5,000 average balance per statement cycle in the Money Market account or maintain $25,000 combined monthly average balance in other deposit or loan accounts (excludes credit card balances). This account is a tiered rate account and the rate of interest depends on the balance in the account: Balances from $100 - $4,999.99 receive 0.20% APY; balances from $5,000 - $9,999.99 receive 0.25% APY; balances from $10,000 - $24,999.99 receive 0.65% APY; balances from $25,000 - $49,999.99 receive 1.55% APY; balances from $50,000 - $99,999.99 receive 1.55% APY, balances between $100,000 - $249,999.99 receive 1.70% APY, balances between $250,000 - $499,999.99 receive 1.70% APY balances of $500,000 and over receive 1.70% APY. Relationship Money Market accounts require a $100 minimum opening deposit and incur a $150 monthly service fee. This service fee is waived if the client has a Relationship Interest checking account with a positive balance of at least $1. This account is a variable rate account: Balances from $100 and up receive 2.40% APY.


At Amerant Bank’s 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. Stated APYs are valid only for Domestic Personal account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number. Certain restrictions and fees may apply which could reduce earnings on the account. For additional fees related to this account, please refer to the Personal Checking and Savings Accounts brochure and the Miscellaneous Service Fees for Personal, Commercial, and Corporate Accounts brochure.




  • Home Equity Line of Credit (HELOC)


The offer is valid for customers referred to Amerant Bank who do not already have an open HELOC at Amerant Bank. To reward the person making the referral (Referrer) we will provide a $50 Visa® Reward Card for each individual referred (Referee) to Amerant Bank, who applies for, is approved for and closes on a new HELOC account. The Referrer must register for the offer by using the online referral link available at AmerantBank.com or by using the ReferLive App, which is available for download on the Apple App Store or Google Play.


To earn a $150 Visa Reward Card, the Referred Person (Referee) must register by following the link provided in the referral email or on social media, and agree to these Terms and Conditions, prior to applying for a HELOC. To be eligible for the incentive the Referee’s application for a HELOC must be approved and you must close on your HELOC. Applications are subject to credit approval and must meet program requirements.


For more information on Home Equity products, refer to “What you should know about Home Equity Lines of Credit” a consumer information booklet prepared by the Consumer Financial Protection Bureau.


The new HELOC account must remain open for at least 60 days to be eligible for incentive. Please see section four (4) for additional details and timeframes.




  • General


To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person. A Referrer may receive up to thirty (30) Reward Cards ($1500 value) within a calendar year. Only one Referrer may receive a Reward Card for each Referred Person who fulfills the requirements (the first Referrer that enters information for a Referred Person will be the eligible Referrer). The Referred Person may only receive one Reward Card per referral offer for opening an account and completing the requirements but may also be eligible as a Referrer. As the Referrer, by using ReferLive, the person you are referring may infer that you are a customer of Amerant Bank.


Please allow 4-6 weeks after completion of all requirements for delivery of your Visa Reward Card to the physical address provided. This offer may be reported as income to the IRS. The program may be discontinued or changed at any time without notice. Amerant Bank banking center employees are not eligible for this program or offer.


The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Amerant Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system.


Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.


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