Preferente account combines checking and savings while giving you access to exclusive benefits such as: personalized service, Visa Infinite debit card and an optional reserve line.

Crossed out bill icon.

The annual fee does not apply during the first year 1

 

Growth icon with percent symbol.

Bears tiered interest on both checking and savings sections 2

 

Bill icon.

Depósito Expreso ATM 3

 

Icono de billetes.

Depósito Expreso Móvil 3

 

Mobile phone icon.

ATH Móvil 4

 

Icon with image of the world and card.

Visa Infinite debit card with worldwide acceptance and exclusive benefits

 

Check icon.

25 checks drawn per cycle without transaction fee 5

 

Icon of a hand with a bag of money.

FirstReserve - Optional reserve line 6

 

Computer and mobile phone icon.

Pay online or by phone

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Personalized service

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Telephone banking FirstLine Solutions Center

 

PREFERENTE ON YOUR MOBILE PHONE

Simplify your life by managing your checking account with our Digital Banking mobile app.⁸

HOW TO APPLY

Ready to open a deposit account?

Make sure you have the following documents⁹ available when you go to the branch to open a deposit account.

 

To open a personal deposit account at FirstBank you must present the Social security number and the following applicable identifications:

United States Citizens 

(One (1) of the following):

  • Driver’s license from Puerto Rico, American Virgin Islands (USVI), United States

  • Real ID issued by the Government of Puerto Rico (DTOP)

  • State ID issued by the Departament of Motor Vehicles of the United States

  • Passport or Passport card issued by the Government of the United States

  • Military ID issued by the Government of the United States 

  • Puerto Rico Police Gun Permit

In case that the valid ID with photo does not have the physical address, such as Passport, you must provide a service bill to validate the physical address, example: water, electric power, phone, cable TV service, CRIM, rental agreement, among others.

Foreign Citizens Puerto Rico Resident

(One (1) of the following):

  • Driver’s license from Puerto Rico, United States, Virgin Islands (USVI + BVI

  • Passport issued by the country of origin + Visa

  • United States Permanent Resident Card (Green Card)

Additional Document (one of the following):

  • Service bill to validate the physical address, example: water, electric power, phone, cable TV service, CRIM, among others.

  • Employment letter

  • Rental agreement

  • Bank reference (last two months)

Start the process to open a deposit account here.

ACCOUNTS THAT COMPLEMENT EACH OTHER
Pink piggy bank.

Easy Savings generates interests.

 

 

 

Learn more

Christmas tree star.

Secure your holiday expenses with the Christmas Club account.

 

Learn more

Pig-shaped piggy bank with checks next to it.

Earn competitive interests with a Certificate of Deposit.

 

Learn more

FREQUENTLY ASKED QUESTIONS

 

The Preferente account has all the best benefits: it combines checking, savings, and you earn interest in both sections2. You also have the option of a reserve line6. You get all the best with personalized service.

 

Yes, you can register with one of our debit cards. With ATH Móvil4 you can make payments to more than 4,000 merchants and payments from person to person.

 

There is no monthly service fee if the average balance during the cycle is $25,000 or more. Otherwise, a $15.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies. For non-U.S. residents: There is no monthly service fee if the average balance during the cycle is $50,000 or higher. Otherwise, a $50.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies.

savings pig next to calculator

Financial Education

Learn to manage your products with FirstBank electronic services

Get to know the tools and services that Digital Banking offer has for you.

Ilustración hombre imaginando dinero

Financial Education

What to do if I have an unexpected expense and I don't have money? Know your options

We tell you about some options in the case of having an unexpected expense. Consider them and choose the best for you.

illustration thief stealing password

Security

Are banking applications (apps) safe? All you need to know

Keep your information safe from security threats on banking apps.

Member FDIC. Only for individuals. Subject to the terms and conditions included in the Deposit Account Agreement and the Disclosure of Applicable Fees, Terms, and Interest Rates in Deposit Accounts, which were provided when you opened the account. 1 Annual fee of $200.00. This fee will not be applied during the first year. After the first year, the fee will be charged at the end of the cycle corresponding to the anniversary month of the opening of your account. If the account maintains an average monthly balance of $250,000 or more combining the checking and savings sections during the 12 months prior to the account anniversary, the fee will not be applied. 2 The interest rate and annual percentage yield (APY) applicable to the accounts may vary at the discretion of FirstBank, based on market conditions, and may change without prior notice. 3 Your deposit will be available according to FirstBank’s Funds Availability Policy, included in the Deposit Accounts Agreement. 4 ATH Móvil is subject to FirstBank's terms and conditions. Using ATH Móvil requires the titleholders of both the receiving and issuing accounts to be registered service users. To enroll, you must have an active debit card with a participating financial institution in the ATH Móvil service. Download the ATH Movil application  to register and view the terms and conditions of service and a list of participating institutions. ATH Móvil is an ATH® Network service from EVERTEC Group, LLC. 5 A $0.50 fee will apply for each check processed after the first 25 during the monthly cycle. 6 The reserve line is optional and subject to credit approval. ​​ ​​7 There is no monthly service fee if the average balance during the cycle is $25,000 or more. Otherwise, a $15.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies. For non-U.S. residents: There is no monthly service fee if the average balance during the cycle is $50,000 or higher. Otherwise, a $50.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies. 8 Digital Banking is subject to FirstBank’s terms, conditions, and restrictions. 9FirstBank may solicit additional information or documentation.

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