Specifications include, but are not limited to: The City of Sunny Isles Beach, Florida, (the “City”) a municipality located in Miami-Dade County, Florida, seeks to establish a contract with a State of Florida-qualified financial institution (herein, “bank”, “firm” “proposer”) to provide full banking services for the City of Sunny Isles Beach, in conjunction with the City’s needs. The objectives are to obtain the best banking services while minimizing costs to the City, maximizing earnings, and avoiding unreasonable risks in full accordance with the terms, conditions, and specifications contained in this Request for Proposals (RFP). The City will not review a proposal that submits the banking services and merchant services as separate contracts nor sign contracts with separate entities for required banking services. The Proposer must have adequate organization, facilities, equipment, and personnel to ensure prompt and efficient services to the City. The City reserves the right before recommending any award to inspect the facilities, organization, and financial condition, or take any other action necessary to determine the financial institution’s ability to perform, in accordance with these specifications, terms and conditions.