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Member FDIC for Puerto Rico and United States Virgin Islands (USVI) only. 1. Subject to the terms and conditions of the Deposit Account Agreement and the Disclosure of Applicable Charges, Terms, and Fees for Deposit Accounts, which are provided when opening the account. ATH® and Visa Business debit cards are optional. The Visa Business Debit card is available only for commercial checking accounts. The following charges apply to debit cards transactions: $0.50 for balance inquiries at non-FirstBank ATMs, $1.50 for withdrawals at non-FirstBank ATMs, $1.50 for cash advances at FirstBank tellers or other financial institutions, and 2% for foreign currency conversions based on the converted US dollar amount on debit cards transactions. Additional charges may apply as established by other financial institutions. If you are travelling outside of Puerto Rico make sure to notify us your travel dates and destinations by calling 787-725-2511 or 1-866-695-2511 to avoid interruptions to your card access, and take your Visa Business with you, which is accepted worldwide at participating Visa merchants. For more information on where you can use your Visa Business card visit visa.com.pr. 2. ATH Móvil Business is subject to FirstBank's terms and conditions. To enroll, you must have an active debit card with a participating financial institution in the ATH Móvil Business service. Download the ATH Móvil Business app to enroll and view the terms and conditions to use the service and a list of participating institutions. ATH Móvil Business is an ATH® Network service from EVERTEC Group, LLC. 3. Fraud alerts apply only for transactions considered suspicious or fraudulent. You may receive fraud alerts by e-mail and/or text message, as long as your information has been entered correctly in our systems and your service provider has the service available. The fraud alerts service applies only to Visa Debit and Visa Business cards.