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.
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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.
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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.
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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.
13Subject to availability on your credit line. The welcome bonus will appear 4-6 weeks after meeting the purchase requirement within the first 90 days after opening the account. Bonus does not apply to product changes. The account must be in good standing and remain open to receive the bonus.
14Earn PREMIA® points as follows: four (4) points for every dollar ($1.00) at gas stations and electric vehicle charging stations. Three (3) points for every dollar ($1.00) at restaurants and supermarkets. One (1) point for every dollar ($1.00) everywhere else. Balance transfers, TelePago, cash advances (including cash equivalent transactions), commissions, interest charges, and unauthorized/fraudulent purchases do not earn PREMIA® points. Popular is not responsible for the code used by merchants to identify transactions at restaurants, supermarkets, gas stations, and electric vehicle charging stations. For more information about the accumulation, expiration, and use of points, as well as other terms and conditions, please visit popular.com/en/premia-terms/
15As follows: (a) for streaming services, an $8 monthly credit when you pay $30 or more monthly in memberships, up to $96 in annual credits; (b) at participating local merchants, receive a credit of $20 for every purchase of $200 or more, up to $160 in annual credits; (c) up to $120 statement credit when you use your card to pay for the cost of the Global Entry® service with your card every 4 years; (d) up to $105 annually (3 visits per year) to VIP Lounges at airports with Visa Lounge Key™ after you register your card at www.loungekey.com/en/visa-banco-popular-cobalt. You must complete the Global Entry® application and pay the application fee with your Visa Cobalt Infinite card. Global Entry® is a program of the United States Government, operated by the United States Customs and Border Protection (CBP). Please allow 4-6 weeks from the transaction date for the statement credit to post to your account. The account must be in good standing and remain open to receive the credit. For more information on these benefits, go to www.popular.com/en/cards/visa-cobalt/.
16Subject to the terms and conditions of the PREMIA® program. For more information about the accumulation, expiration, and use of points and about other Terms and Conditions, go to popular.com/en/premia-program-terms.
17Earn TrueBlue points in purchases as follows: three (3) TrueBlue points for every dollar ($1.00) of eligible Net Purchases on tickets, goods and services purchased directly from JetBlue for the JetBlue Mastercard Eleva card. Earn one (1) TrueBlue point for every dollar ($1.00) of Net Purchases made with the Account everywhere else. Balance transfers, TelePago, cash advances, fees, interest charges and unauthorized/fraudulent purchases do not earn TrueBlue points.
18First checked bag free for the cardholder and up to 3 companions on the same reservation on flights operated by JetBlue. All ticket purchases must be made with the JetBlue Mastercard Eleva and the cardmember’s TrueBlue membership account number must be entered at the time of booking. This benefit will not be available for travel on codeshare flights booked with a JetBlue flight number but operated by another airline. Applicable terms and conditions are subject to change without notice. Please see Bag Info | JetBlue for baggage weight and size restrictions.
19Only applies to new accounts. Receive 40,000 after making $3,000 in purchases within the first 90 days after opening the account and an additional 10,000 after making $25,000 in purchases within the first 12 months of opening the account. Miles will appear as a bonus in the primary cardholder’s AAdvantage® account 8-10 weeks after purchase requirement is met. The account must be open and in good standing to qualify for the bonus miles. This limited-time offer may be cancelled at any time without notice. Bonus miles offer does not apply to product change.
20Earn three (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. Codes are assigned by a third party. When you make a purchase at a merchant, we're provided the code for that merchant and if the code matches a category that gives you additional miles, you will earn the additional miles. Because we don't control what code a merchant is assigned, 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 one (1) AAdvantage® mile for every $1 spent on all other purchases. Balance transfers, TelePago, 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 using the Popular / AAdvantage Signature Plus as long as the program continues, and your account remains open and in good standing.
21Preferred boarding for the primary cardmember and up to 4 companions on the same reservation for all American Airlines operated flights. The card 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 the card 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 as the primary credit cardmember are eligible to board at the same time as the primary credit cardmember. 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.
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.
22Mobile 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.
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Commercial transactions must be made through the commercial banking representative. Loans, credit cards and commercial lines of credit are subject to credit approval.
24Your 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.
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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.
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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.
