An affordable account with no overdraft fees.
Manage your money easily and enjoy access to Mi Banco, ATH Móvil1, an optional reserve line2, and more benefits with a Cuenta Popular® account.
Product offered by Banco Popular de Puerto Rico. Member FDIC.
Requires that both the owner of the account and the person who will receive the transfer, to be registered in the service. To register, you must have an active deposit account with a participating financial institution in the ATH Móvil service. Only individuals who are 13 years of age or older may use the service. Other restrictions apply. Please access athmovil.com to register and view the terms and conditions or the list of participating institutions. ATH Móvil is a service of the ATH® Network from EVERTEC Group, LLC.
Subject to credit approval. Certain restrictions apply. The Annual Percentage Rate (APR) for using the line of credit is 17.99%.
Overdraft, 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).
If 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.
You 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.
Retiro 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.
Deposits are subject to the provisions of the bank’s Funds Availability Policy. Easy Mobile 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”.
The Ahorro Directo service applies to purchases made with your BPPR debit cards at points of sale (POS). Once you enroll, the service will be effective on the next business day.
