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. The following charges apply to debit cards transactions: $0.50 for balance inquiries at non-FirstBank ATMs, $1.00 for withdrawals at non-FirstBank ATMs, $1.00 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 Debit card with you, which is accepted worldwide at participating Visa merchants. You will not be able to use your FirstBank Debit Card in countries sanctioned by the Office of Foreign Assets Control (OFAC). We recommend that you ensure that you take alternative payment methods with you. For more information on where you can use your Visa Debit card visit visa.com.pr. The Visa Debit card is available only for personal checking accounts, and it entails a monthly fee of $1.25 in the Perfecta account. Commercial accounts offer the Visa Business debit card, which entails a monthly fee of $1.25. ². ATH Móvil is subject to FirstBank's terms and conditions. In order to use ATH Móvil, the sender and the receiver need to be enrolled in the service. 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 to use the service and a list of participating institutions. ATH Móvil is an ATH^® Network service from EVERTEC Group, LLC. ³.You may receive fraud alerts by e-mail and/or text message for suspicious or fraudulent transactions, as long as your information is registered 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.