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 monthly fee for the account will be $0 when receiving a direct deposit (ACH) in the account during the cycle or if the average balance per month combined between the checking and savings sections and certificates of deposits is over $1,500. If you do not receive a direct deposit or if the required average monthly balance is not maintained, a $10 fee will apply. 2. 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. 3. A $1.50 fee applies for withdrawals at ATMs that are not from FirstBank or the ones obtained from Santander 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. ​​​4. A $0.50 fee will apply for each check processed after the first 15 during the monthly cycle. 5. Digital Banking is subject to FirstBank’s terms, conditions and restrictions. 6. Your deposit will be available according to FirstBank’s Funds Availability Policy, included in the Deposit Accounts Agreement. The service is not available for savings accounts. 7. The reserve line is optional and subject to credit approval. ​​ ​