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. The Bonus account features a reward points program. Each point equals $0.01. You can earn up to 2,000 points a month and 10,000 points per year. Points earned will appear in the monthly statement and may be redeemed after you earn 200 points. You must request to redeem the registered points which will then be credited to the account within the next 10 business days, if all requirements have been met. No points will be accumulated for existing relations before opening of the account. No points will be registered for accounts in overdraft. For additional information on the points program, refer to the Disclosure of Charges, Terms and Rates Applicable to Deposit Accounts provided at the opening of the account. 2. The monthly fee for the account will be $0 if the average combined balance per month (i.e. Certificates of deposit and checking and savings sections) is over $1,500. If the required average monthly balance is not maintained, a $10 fee will apply. 3. 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. Go to www.athmovil.com to enroll 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. 4. A $1.00 fee applies for withdrawals at ATMs outside the ATH network, withdrawals from an ATM that is not from FirstBank but part of the ATH network and per cash advance with your debit card at FirstBank branch window or other financial institutions. 2% for foreign currency conversion to the amount already converted to US dollars in debit card transactions. Additional charges by other financial institutions may apply. ​​​5. A $0.50 fee will apply for each check processed after the first 15 during the monthly cycle. 6. Digital Banking is subject to FirstBank’s terms, conditions and restrictions. 7. The reserve line is optional and subject to credit approval. ​