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. There will be a monthly service fee of $15 if the average monthly balance is less than $10,000 during the cycle. 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 $1.00 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. 4. The annual interest rate and percentage yield (APY) applicable to the accounts may vary at the discretion of FirstBank, based on market conditions, and may change without prior notice. 5. A $0.50 fee will apply for each check processed after the first 15 during the monthly cycle. 6. Online Banking is subject to the terms and conditions of FirstBank. 7. The reserve line is optional and subject to credit approval. ​