BRA535

Characteristics and Fees of

E-ACCOUNT

ACCOUNT OPENING AND USAGE

Minimum deposit needed to open account $0.00
Not applicable if you perform ONE of the following:
1. Receive a Direct Deposit in the statement period.
Monthly service fee $5.95 2. A connection through Internet Banking in the statement period.
3. An electronic payment through the answering machine (VRU) or by Internet Banking
in the statement period.
Dormant account fee $10.00 Per month charge after 6 months with no deposits, withdrawals, or payments.
For replacement due to loss, theft, damage and /or additional card. This fee does not
ATH / International ATH card replacement $5.00
apply to automatic renewals.
For cancelling an electronic payment and to avoid future account debits from a specific
Electronic debit cancellation (EFT) $15.00
merchant.
Automated Teller Machine (ATM) Fees
Withdrawals at ATMs belonging to Banco Popular
in Puerto Rico (BPPR), in United States Virgin
Islands (USVI) and in British Virgin Islands Withdrawals at ATMs (non PCB’s) in the United States may be subject to charges from
$0.00
(Tortola). Withdrawals at ATMs belonging to the ATM owner.
Popular Community Bank (PCB) or to other banks
in the United States (US).
Withdrawals at ATMs belonging to other banks
that are members of the ATH Network (Banks
$0.50 Applies to each withdrawal. The ATM owner may assess other fees.
and Credit Unions associated to the ATH
Network)
Withdrawals at privately owned ATMs that are
$2.00 Applies to each withdrawal. The ATM owner may assess other fees.
not members of the ATH Network
Applies to the total withdrawal amount at ATMs and purchases outside the US, PR, USVI
Withdrawals at ATMs and purchases and at non-BPPR ATMs in Tortola. Charge applies per withdrawal and purchase. The
2.00%
in foreign countries ATM owner may assess other fees. This fee includes 1% charged by VISA® and 1%
charged by BPPR after conversion to USD Currency.
Check related fees
Each drawn check $0.50 Charge for each check drawn.
Checkbook Order Varies Depending on the style you select plus shipping costs.
Stop payment for 6 months $10.00 Per check or group of checks in sequence.
Stop payment extension $10.00 For extending the original stop payment period for 6 additional months.
Stop payment for 12 months (simultaneous
$15.00 Per check or group of checks in sequence.
stop payment and renewal)
OVERDRAFT POLICIES*
You will not incur in overdraft fees in Automated Teller Machines (ATM) transactions and / or
Option 1: Standard
purchases with debit cards.
ATM transactions and / or Debit Card If you do not opt-in for the Overdraft Service to pay ATM transactions and / or Debit Card
$0.00
Purchases purchases when you have insufficient funds or non-available funds.
The Bank may, at its discretion, pay these transactions without requiring your
Electronic Transaction (Pay by Phone and / or authorization.
Electronic Debit) and / or paid or returned $15.00 Per overdraft. Will be charged if the Bank pays or returns an electronic transaction (Pay
check by Phone and / or Electronic Debit) and / or pay or return a check against insufficient
funds or non-available funds.
You authorize the Bank to pay Automated Teller Machines (ATM) transactions and / or purchases
Option 2: Overdraft Service
with Debit Cards
At its discretion, the Bank reserves its right to pay the transaction. You will be
charged per overdraft if the Bank decides to pay the transaction at an ATM or payments
with your ATH® Debit Card against insufficient funds or non-available funds. This fee
Automated Teller Machines transactions and / applies only if you authorize it.
$15.00
or Purchases Paid with Debit Cards
If you want the Bank to authorize and pay overdrafts for automated teller machine
transactions and purchases with your ATH® Debit Card, access www.popular.com and
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complete the application or visit your nearest branch.

The Bank may, at its discretion, pay these transactions without requiring your
BRA-535A / 05-18

Electronic Transaction (Pay by Phone and / or authorization.

Electronic Debit) and / or paid or returned $15.00 Per Overdraft. Will be charged if the Bank pays or returns an electronic transaction (Pay
check by Phone and / or Electronic Debit) and / or paid or returned check against insufficient
funds or non-available funds.
 Options 1 and 2: The Bank will not assess you more than 5 charges per day (maximum $75.00) for transactions or paid or returned cheks regardless it is
by Overdraft Service, Insufficient Funds and / or Non-Available Funds. In addition, the Overdraft Maintenance fee described below may also apply.

Overdraft Maintenance
If your account remains overdrawn for more than 5 days, a daily charge will be applied
Overdraft Maintenance $5.00 from the 6th day in negative balance, excluding Saturday, Sunday, and federal holidays.
The fee will be applied up to a maximum of 15 days.
PROCESSING POLICIES
Order in which your transactions are processed
1. Deposits and Credits.
2. Debits, based on category, by the date and time, in the following order:
a. Withdrawals with a debit card in our branches or at Automated Teller Machines.
b. Checks cashed at our branches.
c. Purchase transactions with a debit card.
d. Other Debits (Pay by Phone ®, transfers between accounts, wire transfers, and debit notices).
In the event a transaction is received without a time stamp, it will be processed based on the category after the transactions that have time stamps.
3. ACH debits (electronic payments) in the order in which they are received.
4. Checks based on the order of the check number. Checks with no sequence number will be processed from highest to lowest dollar amount.

When your funds will be available *

Available for withdrawal the same date of the deposit: Electronic funds transfers such as Social Security benefits and Direct Deposit payroll.

Available for withdrawal on the next business day: Cash, Wire Transfer, and Checks drawn against any Banco Popular branch located in
Puerto Rico or the US and British Virgin Islands; US Treasury Checks; Postal Money
Orders; Federal Home Loan Bank Checks; and Federal Reserve Bank Checks, Certified
Checks, Official Checks and Checks from the Government of the Commonwealth of
Puerto Rico made payable to the owner of the account and presented directly to a Bank
Representative using the Bank’s Special Deposit Slip and the first $200 of the total
deposit of other checks drawn on banks other than Banco Popular.

Availability for other deposited checks: The first $200 of the aggregate sum of other checks deposited on any business day will
be available in the following manner: If the $200 or less, the entire amount will be
available on the next business day. If the total is more than $200, $200 will be available
on the next business day, $400 will available on the second business day after the
deposit date, and the remainder of the deposited funds will be available on the third
business day following the deposit date.

ERROR AND DISPUTE RESOLUTION*

If you believe that there is an error in your account statement or the receipt issued by an ATM or POS terminal:
Call Us at 787-724-3659 (Mobiles and PR Metropolitan Area) or toll-free 1-888-724-3659 (Outside PR Metropolitan Area, USVI and BVI). Telephone
available for the hearing impaired (TDD): 787-753-9677 (PR Metropolitan Area) or toll-free 1-800-981-9666 (Outside PR Metropolitan Area, USVI and BVI).
You can also send your claim to the following address: Banco Popular de Puerto Rico, Customer Resolution Center (685), PO Box 362708, San Juan,
Puerto Rico 00936-2708. The Bank must have knowledge of the complaint within sixty (60) days following the day the first account statement containing the
error was sent.
In the event a dispute shall arise between the parties to Banco Popular de Puerto Rico’s Deposit Accounts Agreement eligible to be resolve in our court
system, you may pursue the claim accordingly.

* For more details or information, refer to the Deposit Accounts Agreement for Individuals.

You can cancel your e-Account and/or U-Save by email, mail, fax, visiting the branch of your preference or calling Telebanco Popular® at (787) 724-3659
(mobiles and PR Metropolitan Area) or 1-888-724-3659 (outside PR Metropolitan Area, USVI and BVI). Telephone available for the hearing impaired (TDD):
787-753-9677 (PR Metropolitan Area) or toll-free: 1-800-981-9666 (outside PR Metropolitan Area, USVI and BVI). To begin the closing account process,
access Mi Banco Online and select the Contact Us option and follow the instructions. Your account must be in $0 balance to close it. If your account is not in
$0 balance, it will be required that you contact us to validate certain information. The Bank will send an official check by mail for the available balance in your
account or will make a credit to another account that you have with the Bank. If the payment method is an official check, a fee will apply for the issuance of
the check.

For updated information, call Telebanco Popular at (787) 724-3659 (mobiles and PR Metropolitan Area) or 1-888-724-3659 (outside PR Metropolitan Area, USVI and
BVI). Telephone available for the hearing impaired (TDD): 787-753-9677 (PR Metropolitan Area) or toll-free: 1-800-981-9666 (outside PR Metropolitan Area, USVI
and BVI).

Terms, conditions and fees for accounts, products, programs and services are subject to change.

Copyright 2018, ©Popular, Inc. All Rights Reserved. Member FDIC.

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BRA-535A / 05-18
 GENERAL TIPS
How to avoid charges in your account
• Pay through more than 5,000 business in Pay by Phone, obtain a confirmation number of the payment made and avoid charges for drawn checks.
• If a check was lost, try to locate it before proceeding with the suspension. In case of loss or theft of more than on check, be sure to include them all in the
same request if they are in the same sequence.
• Withdraw cash at over 600 ATMs owned by BPPR to avoid charges at other ATMs. Find the nearest ATM from you through www. http://locator.popular.com
• Make transfers between your accounts through Internet banking.
• Make sure you receive and verify your monthly statement or use Telebanco or Mi Banco Online to validate your transactions. If the required account
balance is maintained you will avoid overdrafts charges.
• Use Mi Banco Alerts where you will be notified by text message or email every time you use your ATH or exceed your budget.
• Avoid photocopy fees; use Internet Banking to obtain up to 13 months of payment history and up to 18 months of transaction history with images of checks
and deposit slips.
• Never provide personal information over the phone, of your accounts or cards.
• If you change your address be sure to notify the bank.
• Keep your ATH in a safe place. Also, use the envelope provided and this will prevent damaging the magnetic stripe.
• Cancel your electronic transactions (EFT) directly with the business.
AVAILABLE OPTIONAL SERVICES
SERVICE FEE WHICH SERVICES ARE PROVIDED?
Wire Transfers*
Fund transfers to your account from any place in the US and
Incoming Domestic and International $15.00
foreign countries.*
Commissions: For accounts in Puerto Rico, minimum:
$25; maximum: $35, based on the amount. For
accounts in USVI and Tortola, minimum: $25; Fund transfers from your account to any place in the US and
Outgoing Domestic and International
maximum: $40, based on the amount. foreign countries.*
Transmission: For PR, USVI, and Tortola: $25
Foreign Currency
1% of the equivalent in dollars
Purchase and Sale of Foreign Currency exchange from U.S. currency to foreign currency or
Minimum: $10
Currency vice versa.
Maximum: Based on the amount
Foreign Currency Checks $15.00 Check issuance in foreign currency.
Official or Provisionals Checks / Check Books / Debit Cards
Official Checks $10.00 Official Check Purchase.
Fluctuates from $4 to $10, based on the amount. For
Money Orders Acceso Popular and Acceso Universitario it fluctuates A money order can be used instead of a check.
from $3 to $10, based on the amount.
Checks are provided at the branch when the customer does not
Provisional Checks** $2 each page of 4 checks
have available checks.
$25 Cost may vary depending on the international
Urgent request for International ATH FedEx delivery could take between 1-2 business days.
address destination
Confirmation Letters / Processing Charges
To certify that the customer receives Direct Deposit service in
Direct Deposit Certification $5.00
the account.
To certify that the customer maintains a deposit account with
Account Balance Certification $5.00
the Bank and to inform the balance amount.
To certify that the customer has an account with the Bank, but
Active Account Certification $5.00
without the balance information.
A balance certification required by a Consulate for a customer
Consulate Letter $10.00 that has deposit accounts with the Bank and requests entrance
to the United States and Puerto Rico.
The letter certifies that the person does not have an account
Non-Customer Certification $15.00
with the Bank.
Applies to any garnishment issued by the Court, CRIM-PR
(Centro de Recaudación Municipal), Internal Revenue Service
Garnishment $75.00 (IRS), Treasury Department-PR(Departamento de Hacienda),
ASUME-PR (Administración para el Sustento de Menores) and
any other goverment agency.
Photocopies
This charge is per page. For the CD/DVD, must request 10
Check Photocopy $5 in paper / $4 in CD/DVD
items or more.
This charge is per page. Does not apply to IRA statements
Account Statement Photocopies $5 in paper / $4 in CD/DVD photocopies neither Payroll Cards. For the CD/DVD option,
must request 10 statements or more.
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Among others, applies to deposit slips, credit or debit notices,

Miscelaneous Photocopies $5 in paper / $4 in CD/DVD
savings withdrawals and deposited checks.
BRA-535A / 05-18

* Wire transfers to or from sanctioned countries are not permitted by the Department of Treasury of the United States (OFAC).
** The provisional checks applies to the following accounts: Cuenta Popular, Multicuenta, Popular Plus, Popular Securities Investor Plus, Private
Management Account, e-account.