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	Cuenta UNO	Cuenta BONUS	Cuenta Perfecta	First Investment
Who is this account for?	Customers looking for an easy-to-manage, low-cost transactional account	Transactional customers that maintain moderate balances and can benefit from earning points by using their FirstBank accounts, products, and services	Customers who receive direct deposit	Customers who maintain high balances in their transactional accounts and are looking for an account with a higher yield
What is the minimum opening balance?	$20	$100	$0	$1,500
Does it pay interest?	No	Yes, in the savings section, for daily balances from $.01¹	Yes, if the daily balance is $1,000 or more¹	Yes, if the daily balance is $1,500 or more¹
Does it have a monthly fee?	$1	No monthly fee if the monthly combined average balance between savings, checking and CDs is $1,500 or more. If the balance is lower, a $10 fee will apply.	No monthly service fee with a direct deposit or average monthly balance of $500 or more. If neither of these conditions are met, a $5 service fee will apply.	No service fee if the average monthly balance is $10,000 or more. If the balance is lower, a $15 fee will apply.
Does it offer free transactions?	Yes, all of them!	Yes, deposits and withdrawals via electronic channels are free-of-charge, including purchases and payments with debit cards, FirstBank ATMs and ATH Móvil Up to 15 checks and four branch withdrawals per cycle	Yes, all of them!	Yes, in-branch and electronic deposits and withdrawals are free-of-charge, including purchases and payments with debit cards, FirstBank ATMs and ATH Móvil Up to 15 checks and four branch withdrawals per cycle
What is the fee per additional transaction?	Excess transaction fees do not apply²	$0.50 per additional check or withdrawal at the branch²	Excess transaction fees do not apply²	$0.50 per additional check²
Does it include an ATH debit card?	Yes, and it's free!	Yes, and it's free!	Yes, and it's free!	Yes, and it's free!
Does it include a Visa Debit card?	Yes, and it's free!	Yes, and it's free!	Yes, optional, for a monthly fee of $1.25	Yes, and it's free!
Available Services	Internet Banking³ Mobile Banking Telephone Banking Bill Payment ATH Móvil⁴	Internet Banking³ Mobile Banking Telephone Banking Bill Payment ATH Móvil⁴	Internet Banking³ Mobile Banking Telephone Banking Bill Payment ATH Móvil⁴	Internet Banking³ Mobile Banking Telephone Banking Bill Payment ATH Móvil⁴
Does it offer a FirstReserve credit line? ⁵	Yes	Yes	Yes	Yes
Does it offer a rewards program?	No	Yes⁶	No	No
Does it offer an e-statement?	Yes	Yes⁷	Yes	Yes⁷

Member FDIC. Only for individuals. Subject to the terms and conditions included in the Deposit Account Agreement and the Disclosure of Interest Rates, Fees and Terms Applicable to Deposit Accounts, provided at account opening. 1. The annual percentage yield (APY) applicable to the accounts may vary at FirstBank’s discretion, based on market conditions, and may change without prior notice to customers. 2. A $0.50 fee will apply for balance inquiries at other institutions’ ATM. A $1.00 fee will apply for withdrawals at ATMs outside the ATH Network. A $0.50 fee will apply for withdrawals at non-FirstBank ATMs within the ATH® Network. A $1.00 fee will apply for debit card cash advances at the teller at any FirstBank branch or other banking institutions. A 2% Currency Exchange Fee will apply to all debit card transactions in foreign currency. The fee will be applied to the converted amount in U.S. dollars. Monthly dormant account fee: $10. 3. Internet Banking is subject to FirstBank’s terms and conditions. 4. ATH Móvil is subject FirstBank’s terms and conditions. ATH Móvil requires that the titleholders of both the receiving and issuing accounts are registered service users. To enroll, users must have an active debit card from a participating financial institution. Please access www.athmovil.com to enroll and view the service terms and conditions and a list of participating institutions. ATH Móvil is a service of the ATH Network from EVERTEC Group, LLC. 5. The FirstReserve credit line is optional and subject to credit approval and other terms and conditions.6. The BONUS account has a program where you accrue points for using FirstBank’s services and acquiring FirstBank products. Each point equals $0.01. You can earn up to 2,000 points per month and 10,000 points per year. Points earned will be shown in the monthly statement and may be redeemed after you earn 200 points. You must request a credit to the account that earned the points. If all requirements are met, this credit will reflected to the account within 10business days. No points will be awarded for accounts, services or transactions existing prior to the account opening. Accounts in overdraft do not earn points. To learn more about the points program, please refer to the Disclosure of Interest Rates, Fees and Terms Applicable to Deposit Accounts, provided when the account is opened. 7. A $1.50 monthly fee applies to Bonus and First Investment for paper statements. This fee does not apply upon enrollment to e-statement.

Member FDIC. Only for individuals. Subject to the terms and conditions included in the Deposit Account Agreement and the Disclosure of Interest Rates, Fees and Terms Applicable to Deposit Accounts, provided at account opening. 1. The annual percentage yield (APY) applicable to the accounts may vary at FirstBank’s discretion, based on market conditions, and may change without prior notice to customers. 2. A $0.50 fee will apply for balance inquiries at other institutions’ ATM. A $1.00 fee will apply for withdrawals at ATMs outside the ATH Network. A $0.50 fee will apply for withdrawals at non-FirstBank ATMs within the ATH® Network. A $1.00 fee will apply for debit card cash advances at the teller at any FirstBank branch or other banking institutions. A 2% Currency Exchange Fee will apply to all debit card transactions in foreign currency. The fee will be applied to the converted amount in U.S. dollars. Monthly dormant account fee: $10. 3. Internet Banking is subject to FirstBank’s terms and conditions. 4. ATH Móvil is subject FirstBank’s terms and conditions. ATH Móvil requires that the titleholders of both the receiving and issuing accounts are registered service users. To enroll, users must have an active debit card from a participating financial institution. Please access www.athmovil.com to enroll and view the service terms and conditions and a list of participating institutions. ATH Móvil is a service of the ATH Network from EVERTEC Group, LLC. 5. The FirstReserve credit line is optional and subject to credit approval and other terms and conditions. 6. The BONUS account has a program where you accrue points for using FirstBank’s services and acquiring FirstBank products. Each point equals $0.01. You can earn up to 2,000 points per month and 10,000 points per year. Points earned will be shown in the monthly statement and may be redeemed after you earn 200 points. You must request a credit to the account that earned the points. If all requirements are met, this credit will reflected to the account within 10business days. No points will be awarded for accounts, services or transactions existing prior to the account opening. Accounts in overdraft do not earn points. To learn more about the points program, please refer to the Disclosure of Interest Rates, Fees and Terms Applicable to Deposit Accounts, provided when the account is opened. 7. A $1.50 monthly fee applies to Bonus and First Investment for paper statements. This fee does not apply upon enrollment to e-statement.

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Compare our Checking Accounts