Cuenta Popular®

¹Overdraft, insufficient funds, or unavailable funds charges will not be applied. Likewise, the Overdraft Policies of Banco Popular de Puerto Rico will not apply to, nor will they be available for this account. This means that we will decline and return as unpaid those transactions for which you do not have sufficient funds in your account. Although we will not allow you to overdraw your account in most cases, it is possible for your account to have a negative balance; however, in those cases, we will not charge you overdraft fees. This could occur, for example, when you authorize a payment with your debit card for an amount less than the amount received by the bank for your payment (for example, the added tip for a payment at a restaurant).

²If you do not make transactions in your deposit account (deposits, withdrawals, payments), inactivity charges will not be applied. However, the inactivity period remains in place, thus it is important that you continue making transactions in your account to avoid its status changing to inactive and your money being remitted to the Commissioner of Financial Institutions (OCIF, by its Spanish acronym), in accordance with the applicable laws and regulations. As a reminder, if you do not make any transactions in a 6-month period, your account will be considered inactive.

³You can use Easy Deposit service only at ATMs that feature the Easy Deposit logo. All cash deposited before 9:30 p.m. on business days will be available immediately for all types of transactions. Cash deposits made after 9:30 p.m. on business days and on non- business days will only be available for purchases or withdrawals using the ATH® debit card. Checks deposited before 6:00 p.m. on a business day will be processed the same business day, subject to deposit verification and validation. To learn more about the availability of funds on deposited checks, please refer to the Bank's Policy for Availability of Funds at any of our branches or in the Deposit Account Agreement.

⁴Retiro Móvil is a service offered by Banco Popular de Puerto Rico. This is a free service for customers who have an individual deposit account and/or business account (FlexiCuenta de Negocios^® y B-Smart^®) of Banco Popular and are registered in the Mi Banco Mobile application. To withdraw cash, you must have an active ATH® or ATH® International Banco Popular debit card. Non clients will be able to collect the cash at one of Banco Popular’s ATMs once they download the Mi Banco Mobile application and select Retiro Móvil. This service is available at all of Banco Popular ATMs. Withdrawals are subject to the availability of funds of your account. Refer to the Funds Availability Policy at any of our branches. Customers can also refer to their Deposit Accounts Contract. Mi Banco Mobile is a service offered by Banco Popular de Puerto Rico and is free of charge. You should check with your mobile service provider if charges for data transmission apply.

⁵Subject to the availability of funds in your account.

⁶Deposits are subject to the provisions of the Bank's Fund Availability Policy. Mobile Easy Deposit is a free service and only for customers with commercial accounts (FlexiCuenta de Negocios^® & B-Smart^®) and/or individual deposit accounts in Banco Popular. Customers are selected according to the Bank’s eligibility criteria. Checks deposited before 6:00 p.m. on a business day will be processed the same business day, subject to verification and validation of the deposit. In the back of the check to be deposited, you must include: signature, account number and the phrase “For Deposit Only at BPPR”.

⁷Alerts and notifications by SMS is a free service Banco Popular de Puerto Rico offers its clients. Charges may apply for text messages or data excess according to your cell service plan. Check with your service provider to find out more about your plan.

⁸The Ahorro Directo service applies to purchases made with your BPPR ATH® card and ATH International Visa cards at points of sale (POS). Service will be effective the next business day after registration.

⁹Subject to credit approval. Certain restrictions apply. The Annual Percentage Rate (APR) for using the line is 17.99% APR.