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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
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