Personal Checking Account

Accessibility and Simplicity
Plus International Bank was born in the digital era; its operational infrastructure is based on “state-of-the-art” computer technology. However, it has made it all simple and easy for the customer. On-line instant accessibility to balances and transactions, from anywhere in the world, makes banking easier and more rewarding, leaving time for the most important things in life.


Economical
At Plus International Bank, the customer can enjoy all the benefits of high-tech banking plus customized personal attention simply by opening an account with an initial deposit $1000. If a minimum daily balance of $ 1,000 is maintained, no Maintenance charges are assessed. Otherwise, a monthly $ 12 fee will be charged. This account does not bear interest.

Additional benefits

• Unlimited Transaction Privileges
• Unlimited Check Withdrawals
• Free Unlimited Internet Access

NOW Account

Interest Plus Liquidity
When looking for an interest earning account and the convenience of liquidity, the NOW Account is a real plus. It is like having checking and savings all in one account. Money in this account earns interest that is compounded monthly. This account must consist solely of funds in which the entire beneficial interest is held by one or more individuals in an individual capacity, a sole proprietary, or a governmental unit, but not professional corporations or business partnerships.


The customer can open a NOW account with an initial deposit of $ 1,500. If a minimum daily balance of $ 1,500 is maintained, no Maintenance charges will be assessed. If the daily balance falls below $ 1,500 a monthly charge of $ 12 is assessed. Interest is credited monthly.


Additional benefits

• Available to sole proprietorship, government agencies and not-for-profit organizations 
• Unlimited activity levels and access to funds
• Earn interest on accumulated balances
• Unlimited Internet access

Savings Account

Money Grows
Customers can watch their money grow at Plus International Bank , when they make regular deposits. The Savings Account is the perfect way to set aside money for special purposes, such as education, buying a car, home appliances, or to build up capital for a higher-yield account or Certificate of Deposit.

The Good Habit of Saving 
The savings Account is the perfect opportunity to start children out on the right financial foot. When you make an initial deposit of $ 500, and keep a daily minimum balance of $ 500, there is no Maintenance charge assessed, otherwise, a $ 10 per quarter service charge will be assessed. The interest is calculated and paid quarterly. 

Additional benefits

• Earn interest on every dollar in the account 
• Up to 6 preauthorized transfers or withdrawals per month
• Unlimited Internet access

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Money Market Account

Competitive Rates
For higher balances, the Money Market Account is a perfect financial tool. Customers at Plus International Bank never have to sacrifice safety and liquidity to earn a competitive rate. Check writing and transfer privileges make Money Market Accounts the most practical and simplest way to build an available balance while earning very competitive interest rates.

Monthly Grow and Convenience
A Money Market Account can be opened with an initial deposit of $ 2,500.If a minimum daily balance of $ 2,500. is maintained, no Maintenance charges are assessed. Interest is credited every month. A $ 15 Maintenance charge is assessed if the daily balance falls below $ 2,500. A $ 10 service charge will be assessed for each check written in excess of six each month.

Additional benefits

• Earns money market interest rates
• Up to six permissible monthly number of transfers or withdrawals by check, debit card, or similar order payable to third parties
• Unlimited Internet access

Certificates of Deposit

Secured Future
When customers want make the most of their money while keeping it safe and secure, Plus International Bank offers a full range of Certificates of Deposit insured by the FDIC, up to $250,000. Certificates of Deposit offer the customers competitive, tiered rates so that the longer they keep the CDs, the higher the rate of return.

The Reliable Savings Option
Plus International Bank' s Certificates of Deposit are particularly useful when you have a large sum of money available for a specific period of time. Proceeds from the sale of real estate, which will be reinvested at a later date, or accumulated balances on saving accounts that a customer has no immediate plans for, and is looking for a higher interest rate of interest, are the perfect source for investing in Certificates of Deposit.

Additional benefits

• Interest accrued daily and paid according to the terms of the certificate Fixed interest for the term of the certificate
• Flexible terms, from 30 days to 5 years
• Low initial investment of $5,000

*Annual Percentage Yield (APY) will be fixed for the term of  the deposit at the time the certificate of deposit is opened. A penalty is imposed for early withdrawal. For current rates being offered contact the customer service department at 305-375-0590.

Small Business Checking

Everyday Banking
There are accounts customers need for everyday banking. Every business, regardless of its size or activity, needs deposit and payment services! Plus International Bank 's Small Business Checking has been designed keeping in mind the small- to medium-size company looking for personalized assistance in growing its business. Plus International Bank strives to deliver practical solutions and effective services so customers can concentrate on what they do best, make money in their business.

Additional benefits
If a minimum daily balance of $ 500 is maintained, no cycle service charges are assessed. If the daily balance falls below $ 500, a cycle service charge of $ 12 per month will be assessed. Process up to 150 checks per month at no charge and 20 deposits with up to 200 deposited items an no additional service charge.

Speed up and Facilitate
Plus International Bank makes available a broad range of services designed to facilitate business transactions, no matter where the customer is or where in the world the transaction is taking place. On line, up to the minute information, 24 hours, 7 days a week is available through their state-of-the-art Web Site.  

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Commercial Checking

Large Volume
This account is geared to meet the needs of businesses that have a large volume of account activity. The bank will conduct a monthly analysis of the services utilized to determine if a service charge will be assessed. Each month, an earnings allowance will be calculated using the average 90 day US Treasury Bill rate on the average collected balance. Interest credits will be accumulated.

The commercial Checking Account can be opened with a minimum deposit of $500. An analysis charge of $ 18 plus additional service charges will be imposed at the end of statement cycle.

Commercial Letters of Credit

Experience and Expertise
Plus International Bank 's Trade Finance specialists offer in-depth knowledge and professional advice to exporters and importers on doing business from and to any country in Latin America, particularly Mexico. When customers need a reliable and efficient service for international transactions as well as immediate access to the accounts, the experience and expertise service of Plus International Bank is the best partner. Fast and accurate processing of Commercial Letters of Credit, is a priority for the Bank.

Quick and Dependable
Quick and dependable processing and execution of wire transfers, inter-banking payments and letters of credit payments allows the customers to concentrate on their income producing activities instead of complex transactional mechanisms. Plus International Bank makes possible import/export transactions minimizing commercial and country risk.  


Retirement Account

Never Too Soon
Plus International Bank knows that it's never too soon to start planning for your retirement. We have created attractive and innovating retirement savings plans suitable for every particular need. Individual Retirement Accounts (IRAs) offer excellent tax advantages. Customers can find Traditional or Roth IRAs and the IRA account specifically designed for education at Plus International Bank .

Earning Power
All the IRA accounts have tiered interest rates which give the retirement funds more earning power. The sooner an IRA account is opened, the more comfortable the retirement years can be.

*withdrawals before age 591/2 generally are considered premature distributions and may be subject to a 10% penalty. Between ages 591/2 and 701/2, you choose whether or not to make withdrawals.

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Personal & Commercial Loans

Quick and Easy
The capacity to give a quick response to customers' loan applications and straightforward loan process separate Plus International Bank from conventional financial institutions. We understand that business cannot wait.

International Private Banking
At the core of Plus International Bank 's Private Banking strategy lays the preservation and safeguarding of the customer's wealth. The Bank understands the customer's aspirations and challenges, offers objective advice and customized innovative ideas to meet their needs – from the creation of wealth to its protection and conservation. Plus International Bank delivers flexible solutions on a one-to-one basis, providing answers and facilitating local and international business transactions.

Business and Commercial Services
Plus International Bank 's responsive personal service pays special attention to the small- to medium-size corporation that is looking for an agile bank that assists in growing its business. The Bank's Trade Financing specialists offer in-depth knowledge and professional advice to exporters and importers doing business with Latin America and particularly with Mexico. 

In addition to commercial letters of credit, our trade finance specialists can help exporters increase export sales by enabling them to extend open terms of credit to their clients in Mexico and the rest of Latin America. We can also assist importers by establishing credit facilities for the issuance of import letters of credit and the refinancing therein. As an approved lender under the Master Guarantee Agreement with the Export Import Bank of the U.S.A., we can entertain medium term loans up to $10,000,000 to qualified importers in Mexico and the rest of Latin America. In addition to these basic products, we also offer the following services:

• Pre and Post export financing
• Inventory financing with or without guarantees from the Florida Export Finance Corp
• Foreign account receivable financing with export credit insurance from the Export Import Bank of the U.S.A., or private sector insurance
• Capital equipment financing with insurance or guarantees from the Export Import Bank of the U.S.A.
• Trade acceptance discounting with or without recourse to the exporter