Your financial affairs deserve personalized service because your needs are unique. Our Private Bankers are at your service and ready to fulfill your banking needs.

Your needs are unique, and you deserve trustworthy, personalized service that prioritizes your financial goals and treats them with the importance they deserve. Your Private Banker will ensure that you receive exclusive, prioritized service throughout Popular, including

  • Credit cards1
  • Loans1
  • Financial planning2
  • Auto and equipment financing1
  • Mortgages1
  • Personal trusts
  • Certificates of deposits3
  • IRA accounts4
  • Transfers and other core products outlined below

Private Management Account (PMA)

An exclusive account designed for Popular One customers.

The account provides tiered interest and a single statement that consolidates your personal deposit accounts, including investments with Popular Securities23, as well as your credit lines3, and loans with Popular Mortgage and Popular Auto1.

As a Popular One customer, you get:

  • $0 monthly service fee
  • $0 fee from Popular on withdrawals at ATMs outside the Popular network5
  • $0 fee from Popular on withdrawals at ATMs and purchases in foreign countries6
  • $0 fee on check stop payments
  • Visa Platinum7 debit card to pay inside and outside Puerto Rico, in establishments where VISA® is accepted
  • ATM withdrawals of up to $1,0008 per day
  • Deposits9 of up to $25,000 per day through the Mi Banco Mobile app or at ATMs
  • First order of checks is free on Banco Popular de Puerto Rico corporate model only. Subsequent orders vary in cost, depending on the design and shipping rates
  • Free issued checks
  • A line of credit10 starting at $25,000 and guaranteed by your investments at Popular Securities
  • Optional Reserve Line11 of Credit from $500 up to $50,00010.
  • Certificates of Deposits3.

Characteristics and Fees of the account PMA

Deposit Account Agreement


Executive Mortgage

Receive personalized service from the Executive Mortgage team, who in collaboration with your Private Banker, will help identify the best solutions to meet your mortgage needs. Our team will assist you every step of the way, making the entire process smooth and seamless. Also, you can get a bonus of up to $500, applicable to appraisal costs, when refinancing your Popular mortgage loan12.

Credit Cards

As a Popular One client you will have access to a range of credit cards that offer unique services and benefits to fit your lifestyle, such as:

Popular / AAdvantage® Signature Plus13

For those who believe in having more than one destination, the Popular / AAdvantage ® Signature Plus card offers incredible features such as: up to 50,000 AAdvantage® welcome miles: 40,000 miles after $3,000 on purchases in the first 90 days of opening the account and 10,000 additional miles after $25,000 on purchases within the first 12 months of account opening.143X AAdvantage® miles for every $1 on eligible American Airlines, purchases. Additionally, earn 3X AAdvantage® miles on hotels and car rentals.15 And, 1 AAdvantage® miles for every $1 on all other purchases.

Plus, receive the following benefits: preferred boarding for the primary cardmember and up to 4 companions on the same reservation for American Airlines operated flights.16 With no foreign transaction fees on international purchases; no limit to the number of AAdvantage® miles that can be earned on purchases with the card. Superior travel coverage such as concierge service, auto rental insurance, and more.17 And fraud liability protection, you're not responsible for charges you did not authorize.


Black DUAL13

If one card takes you far, imagine what two can do for you. This account combines two brands in one account: Visa Infinite card and the American Express The Black Card for greater worldwide acceptance. Earn 2 PREMIA ® points for each $1 on purchases made with any of your cards.18 Enjoy a wide variety of insurance options to protect you and your loved ones such as auto rental insurance, and more.17 Plus, Priority PassTM program complementary membership that provides access to airport lounges around the globe.19

Mobile Easy Deposit20

Deposit checks of up to $25,000 from your cellphone.

Privileges in Popular Branches21

Enjoy individualized attention when making personal transactions at any of our branches. Identify yourself to a host by using your Popular One Black Dual credit card or ATH debit card.

Commercial Loans and Services21

Popular One’s personalized attention includes coordinating applications for commercial accounts and services as well as new loans, credit cards and lines of credit, refinancing commercial loan, and more. We handle those tasks, so you can focus on growing your business.

Fiduciary Services

Our experienced Fiduciary Services group will guide you on the creation of a trust to protect your personal and/or commercial assets.

Retirement Plans22

We can also help you design the retirement plan that fits your needs. Your plan will be managed by the most experienced team in the industry, providing you integrated services such as trustee, recordkeeping, and investment consulting.

Foreign Currency Services24

Discover the most complete variety of products and services of foreign currency in Puerto Rico. Get access to:

  • Purchase and sale of foreign currency from up to 120 countries in the international market
  • Accurate exchange rates, quoted instantly
  • Foreign currency transfers or electronic payments
  • Withdrawal of Euros in the automatic tellers located at the LMM Airport, Plaza del Caribe in Ponce, Plaza Las Américas, Arecibo (San Luis street), Stop 22 in Santurce, Mayagüez (Suau street), and Popular Center in Hato Rey.

Other Services

  • Wire Transfers
  • Coordination of auto, aircraft and helicopters loans through Popular Auto

Our private banking services are available to customers who maintain $500,000 or more in deposits and/or investments or who deposit an average of $50,000 or more per month into their personal accounts at Popular.

1Subject to credit approval.

2The financial plan entails a cost, which may vary according to the plan. The suggestions and recommendations included in the client's financial plan are offered as a financial orientation with no guarantee as to the performance or yields of any insurance or investment product that may be purchased according to such recommendations. Banco Popular de Puerto Rico, its subsidiaries and affiliates, are not engaged in the provision of legal, accounting, or tax advisory services. If you require legal, accounting, or tax advice services, you should consult a professional specialized in these areas.

3

CDs offered by banks are insured (up to $250,000) by the Federal deposit Insurance Corporation (FDIC).

4Banco Popular offers several Individual Retirement Account alternatives. You may get detailed information with your Private Banker to determine which alternative is best suited to your particular needs.

5Charges established by the ATM owner may apply.

60% in Banco Popular fees.1% fee charged by VISA® after conversion to US dollars will prevail.

7Used in and outside Puerto Rico for in-store or online purchases and at ATMs through the Visa PLUS networks. The Visa debit card with chip has chip and PIN technology, may require the use of a secret number to make purchases at points of sale (POS) and to conduct transactions at ATMs. Some stores may require the customer’s signature. The ATH, Visa, and PLUS networks provide the service.

8Withdrawals are subject to availability of funds in the account.

9

Easy Mobile Deposit is a free service and available only to Banco Popular customers with individual deposit accounts and/or business accounts (FlexiCuenta de Negocios® & B-Smart®). Customers are selected according to the Bank’s eligibility criteria. Monetary deposit limits: $25,000 per check, $25,000 total per day, and up to $50,000 in a 25-day period. Limits on the number of checks deposited: maximum of 20 checks per day and 50 checks in a 25-day period. The monthly cycle is considered to begin 25 business days from the date of the last deposit made through this service. You must endorse your check including signature, account number, and the phrase “For Deposit Only at BPPR.” You will always receive an email confirmation when the check is processed. Checks deposited before 6:00 p.m. on business days will be processed the same business day, subject to verification and validation of the deposit. Certain exceptions may apply. For details on the availability of funds, please refer to the Disclosure on Availability of Funds Deposited in Individual Transaction Accounts (Regulation CC) in your Individual Deposit Account Agreement.

10

Subject to credit approval. Certain restrictions apply. 

11Subject to credit approval. Certain restrictions apply. The Annual Percentage Rate (APR) for using the reserve line is 17.99% APR.

12

Mortgage products are offered by Banco Popular. All offers are subject to credit approval. The $500 bonus is applicable only to appraisal expenses when you purchase or refinance a property with loans where new appraisals are required. The discount will be applied at closing. Valid until December 31, 2024. Certain restrictions apply. OCIF Lic. B-1. Popular Mortgage is a division of Banco Popular de P.R. 3 Commercial transactions must be made through the commercial banking representative.

13Credit cards issued by Banco Popular de Puerto Rico. Subject to credit approval. For more information on rates and terms, please visit www.popular.com/en/cards/aadvantage-visa-signature-plus/terms/ or www.popular.com/en/cards/black-dual/terms/ or ask your Popular One Private Banker.

14Offer only applies to new accounts. AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after purchase requirement is met. Your account must be open and in good standing to qualify for AAdvantage bonus miles. This limited-time offer may be cancelled at any time without notice. Bonus miles offer does not apply to product change.

15Earn 3 AAdvantage® miles for each $1 spent on purchases at eligible American Airlines purchases items billed by American Airlines as merchant of record booked through American Airlines channels (AA.com, American Airlines reservations, and American Airlines airport and city ticket counters). Additionally, earn 3 miles on hotels and car rentals. Each merchant — e.g., a retailer, business or any other place where you can make a purchase — is assigned a code that indicates the merchant's primary area of business. We don't assign or have any control over merchant codes. Sometimes a purchase that you think fits a certain category may not earn additional miles. Banco Popular reserves the right to determine which purchases qualify for this offer. Earn 1 AAdvantage® mile for every $1 spent on all other purchases. Miles may be earned on purchases made by primary credit cardmembers and Authorized User(s). Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) do not earn miles. Miles earned will be posted to the primary credit cardmember's AAdvantage® account in 8-10 weeks. There is no limit to the number of AAdvantage® miles you can earn on purchases through the use of the Popular / AAdvantage Signature Plus as long as the program continues, and your account remains open and in good standing.

16Preferred boarding for the primary cardmember and up to 4 companions on the same reservation for all American Airlines operated flights. The Popular / AAdvantage® Signature Plus account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember's American Airlines AAdvantage® number 7 days prior to air travel. If your Popular / AAdvantage® Signature Plus account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Compass Airlines, LLC, Envoy Air Inc., ExpressJet Airlines, Inc., Mesa Airlines, Inc., Republic Airline Inc., PSA Airlines, Inc., Piedmont Airlines, Inc., Air Wisconsin Airline Corp., SkyWest Airlines, Inc., or Trans States Airlines, LLC.

17Subject to the terms and conditions of the policies. For more information, call 787.758.0505 or 1.800.981.9505. Insurance coverage when you pay the transaction in full with the credit card. Subject to availability in your line of credit.

18Subject to the terms and conditions of PREMIA® Program. For more information about the accumulation, expiration, and use of points and about other terms and conditions, go to www.premia.com/terms-and-conditions

19

Courtesy annual membership fee ($99), there is a cost of $32 per person per lounge visit. Subject to the terms and conditions of the Priority Pass program. For more information visit prioritypass.com.

AADVANTAGE® PROGRAM INFORMATION
You authorize us to report to American Airlines, AAdvantage® miles earned with us. You also authorize us to share with American Airlines your email address and experiential and transactional information regarding your activity with us. You will earn AAdvantage® miles for purchases as long as your account is current, in good standing and open the day the transaction is registered in your account. The miles are calculated by multiplying the transaction amount by the earn rate per dollar specific to your card product. The total amount of miles per transaction, without decimals, will be considered for the total amount of miles to be reported to AAdvantage at the closing of every account cycle. The Bank will report the miles earned with your AAdvantage® credit card as long as your account is current and in good standing the day of the closing of your cycle. The miles earned with your credit card that are not reported to AAdvantage® because your account was not in good standing at the closing cycle date, will be reported to AAdvantage® in the future if your account becomes current or is re-opened.

20Mobile 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. Enodorse check including: signature, account number and the phrase “For Deposit Only at BPPR”. Checks deposited before 6pm on working days will be processed the same working day. Certain exceptions may apply. For details about the availability of funds, please refer to the Disclosure of Availability of Funds Deposited in Individual Transaction Accounts (Regulation CC) in your Deposit Account for Individuals Contract.

21

Commercial transactions must be made through the commercial banking representative. Loans, credit cards and commercial lines of credit are subject to credit approval.

22Your contributions to a Retirement Plan may be invested in investment products that are not insured by the FDIC, are not deposits or obligations of, and are not guaranteed by Banco Popular or its subsidiaries and/or affiliates, and involve risks, including the possible loss of the principal invested.

23

Investment products and services are offered by Popular Securities LLC, "registered broker dealer," a member of FINRA and SIPC. Popular, Inc. and Banco Popular de Puerto Rico are not registered securities brokers. Popular Securities is a subsidiary of Popular, Inc. and affiliate of Banco Popular. Popular One is an integrated services platform through which the services of Popular Securities are offered. Investment products and services are not insured by the FDIC, are not deposits or obligations of, nor are guaranteed by, the Bank, its subsidiaries and/or affiliates. Investment products involve risks, including the possible loss of the invested principle.

24

Foreign Currency Services are subject to the Treasury’s Office of Foreign Assets Control (OFAC) and prohibits transactions that benefit, directly or indirectly, sanctioned countries, persons, entities, and organizations.