Member FDIC for Puerto Rico and 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: $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 banking institutions, and 2% for foreign currency conversions based on the converted US dollar amount. Additional charges may apply as established by other financial institutions. 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. 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.