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Check the following list with all the necessary documentation that you must submit when opening an account with FirstBank.

In addition to your Social Security card, you will also need one valid ID with photo issued by the Government of Puerto Rico, such as:

• Driver’s license
• Passport
• Military ID
• Government ID

For more information, visit any of our branches or contact us through FirstLine Solutions Center at 787-725-2511

Yes, you can register with one of our debit cards. With ATH Móvil you can make payments to more than 4,000 merchants and payments from person to person.

Cuenta UNO has unlimited transactions and processed checks.

Yes, you can register with one of our debit cards. With ATH Móvil you can make payments to more than 4,000 merchants and payments from person to person.

UNO account allows you to draw unlimited number of checks.

The Preferente account has all the best benefits: it combines checking, savings, and you earn interest in both sections. You also have the option of a reserve line. You get all the best with personalized service.

Yes, you can register with one of our debit cards. With ATH Móvil you can make payments to more than 4,000 merchants and payments from person to person.

FirstBank Platinum is an exclusive private banking service where a team of professionals will take care of all your banking needs. It is a service for the most demanding.

The account monthly fee is $0 if the average balance during the cycle is $250,000 or more.

The Easy Savings account generates interest on daily balances from $0.01 and gives you access to your funds with a debit card.

The interest rate and annual percentage yield (APY) applicable to the accounts are variable at FirstBank’s discretion, based on market conditions.

The Easy Savings account has no fees if you maintain a minimum daily balance of $250 or more during the cycle. If less, a fixed $4 charge will apply.

Yes, the FirstOne account and FirstTeen savings accounts are designed for minors. The FirstOne account is for children under the age of 13. You can open it with a minimum of $1.

The FirstTeen savings account is for teens years and older. When you turn 21 years old, the account automatically changes to an Easy Savings account. Both accounts allow you to enjoy a debit card with the minor’s name on it and the ATH Móvil service. 

Yes, you can register with one of our debit cards.  With the ATH Móvil you can make payments to more than 4,000 merchants and payments from person to person.

After the minor turns 13 years old, the account will be automatically converted to a FirstTeen account.

If a daily balance of $10 is not maintained, a service charge of $1 applies.

The Christmas Club account helps you save for the holiday season expenses. It has no fees, and no transaction fees apply. You can open it at any time of the year.

 There is a $20 minimum required to open a Christmas Club account.

An IRA account is an Individual Retirement Account.

An IRA account allows you to save money for retirement, thus complementing your Social Security income.  In addition, it gives you a tax benefit.

The minimum contribution to open an IRA Savings account is $40, and $100 without IRA Fácil service. 

The IRA and CD accounts both allow you to save money for your future. The IRA gives you a tax benefit. The CD is a deposit account with a defined term.

The First Roth IRA account is an individual retirement account that allows you to receive your contributions tax-free once you have reached the age of 60.

Yes, First Educational IRA helps you plan your children's education while deducting contributions from income tax returns.

A Certificate of Deposit, CD, is a savings vehicle that pays compounded interest for a specified term. The CD can be used as collateral to guarantee a personal loan.

Yes, you can access your CD account information through Digital Banking.

FirstReserve is a line of credit that protects you from overdrafts on your account. You can get from $250 up to $5,000 protection. The line of credit is subject to credit approval.

You can use FirstReserve to cover short-term unexpected expenses as they arise.

Collateral is used as a guarantee for a personal loan. You can use a Certificate of Deposit or a savings account from FirstBank as collateral.

Get pre-qualified by completing the application online.

• Select the loan type: With collateral or Without collateral
• Purpose of the loan: debt consolidation, home improvements, medical expenses, funeral expenses, educational expenses, tax, vacation
• Amount of loan:  from $1,500 up to $50,000
• Term of the loan: 12, 24, 60, 72 months
• Personal Information
• Other

One of our employees will contact you or email you.

• Valid driver's license
• Proof of income: last two (2) pay stubs, or financial statements if you are self-employed
• Proof of Social Security / pension, or bank statements reflecting such deposits, if applicable
• Water or power utility bills

At least ten (10) business days must have passed since the settlement. If the settlement was made in cash, certified check, or money order, you may request it immediately.

Conventional Loan

At least ten (10) business days must have passed since the settlement. If the settlement was made in cash, certified check, or money order, you may apply immediately. You may request the Certificate of Title at the Auto Customer Service Center or the First Line Customer Center, by calling at 787-725-2511 or 1-866-690-2511, at any time, seven days a week.

You must specify whether you wish to receive the title by mail or pick it up at the Auto Customer Service Center or the Auto Center in Mayagüez (located at Mayagüez Town Center). 

The title will be processed as requested by the customer, within no more than five (5) business days after the request is submitted. 

For in-person pickups, customers must come in and show a photo ID. Alternatively, the designated person must bring a written authorization signed by the customer, including a copy of the customer's ID and the designated person's ID. This service is provided at no cost.

Leasing Loan

At least ten (10) business days must have passed since the settlement.

Auto Transfers – Active Loan

• You must be of legal age.
• The car must be registered at the Department of Transportation and Public Works.
• You must fill out a credit application, including the loan number.
• Copy of your photo ID, Social Security card, and vehicle license.
• Self-employed customers must include a certified copy of the most recent tax return, or a copy including a stamp from the Department of the Treasury, or a copy of the most recent financial statements prepared by a duly licensed CPA.
• Corporations must include the corporate resolution authorizing the applicant to sign the transaction.
• Applicable service charge.
• If you already own the car, include copies of the money orders or checks used to make your payments.

• Set up an appointment to make the transfer.
• Both parties must bring their original photo IDs (including signature) and Social Security cards. The loan must be in good standing and have no unpaid amounts.
• The applicant must submit evidence of the endorsement of their current insurance policy or proof that they own a new, equivalent policy (with the same terms and coverage) to the one that has been in force until then. Said policy must be paid in full, without financing. If the required evidence is not submitted, FirstBank will acquire a single interest insurance, as provided in the sales or lease agreement, and will add this amount to the loan balance. This could entail an increase in the monthly payment. If the customer subsequently decides to replace the single interest insurance, only a double interest policy will be accepted for the remaining term of the loan.
• For lease loans, a public liability insurance policy will be required, with limits of $100,000/$300,000/$50,000.
• If the vehicle has an extended warranty contract, the original owner must comply with the provisions in said contract in order to notify that the car has been transferred.
• The original customer must ask the bank to cancel the Easy Payment service, if applicable.
• Bring all internal revenue stamps, as applicable.
• Have the original vehicle license (conventional loan) with a current vehicle tag. If the vehicle tag expires within the next thirty days, it must be renewed before the transfer.
• Bring a certification from the Department of Transportation and Public Works attesting that there are no pending fines.
• Bring a copy of the most recent water, power, or telephone bill.

Important Notes:

• If either of the parties (seller or buyer) cannot be present for the transfer on the day of the appointment, they must designate a representative through a Power of Attorney drafted by a notary lawyer. This document must then be certified by the Notarial Inspection Office of the Supreme Court. If the power of attorney is drafted in the United States, it must first be notarized by a notary lawyer in Puerto Rico and then submitted to the Notarial Inspection Office. Then, the designated person may go to the transfer appointment. They must bring all the original copies of the legal documents required. In this case, the endorsement of the Title and the license must be performed before a notary lawyer.
• If the original customer is deceased, their representative must submit a Declaration of Heirs and, if they are not the universal heir, an affidavit from the heirs relinquishing the sale or purchase of the vehicle. The customer must also bring a copy of the Death Certificate and a Certification of Debt or Estate issued by the Department of the Treasury.

While a conventional loan incurs daily interest charges for 15 days after your payment is due, a lease incurs no fees during this period. However, you will need to pay a fee for every payment that is late for more than 15 days.

If you want to switch your car frequently, it is more convenient to do it with a lease. Every year, new and more advanced models are released to satisfy customers. Besides, continuing to drive new cars helps reduce your mechanic workshop expenses, which are inevitable over time. If you lease a car and wish to make an upgrade, you can do it without incurring penalties. If there is a residual after this term, we help you find the appropriate financing option to handle it. The above is subject to credit approval.

Contrary to conventional loans, when you lease a car, you can set aside up to 35% in residual value, depending on the car’s make and model. The residual value is a portion of the principal value whose payment is postponed until the end of the lease term. At the end of the financing term, you have the option of acquiring the vehicle by financing it or paying the residual in full. You may also change your vehicle again, getting the most convenient financing alternative for the residual value. This results in a lower monthly payment to better fit your budget.

Also, it is important to note that the insurance policy is not part of the lease financing, further reducing your monthly car payment. In addition, if you have other cars with separate insurance policies, you can ensure your leased car as part of the master policy you already have.

• Service available at all FirstBank branches.
• The loan must be in good standing.
• The customer must bring the original vehicle license corresponding to the vehicle tag to be acquired and show a photo ID. Alternatively, the designated person must bring a written authorization signed by the original customer, including a copy of the customer's ID and the designated person's ID.
• No inspection certificate is required if the vehicle is a current year model or a model from the previous year.
• You must bring evidence issued by the general agency or insurance company, including proof of the annual policy renewal and the payment certificate stating it has been paid in full without financing, as well as public liability coverage with limits of $100,000/$300,000/$50,000.
• If you renew your vehicle tag at one of our branches, you may pay in cash, money order, or check drawn from any FirstBank account, for the amount indicated in the notice we sent, plus applicable service charges. If you do this process at the Auto Customer Service Center, you may pay with a money order, check drawn from a FirstBank account, ATH, Visa, MasterCard, or American Express. Cash payments are not accepted.

Beyond Mobile is a service that lets you register your credit card information and make in-store payments without a physical credit card. This service and/or application is also known as digital wallet. You will be able to set up the card of your choice to be the primary payment method. If you wish to use a secondary card, you only need to open the application and select your card of preference.

You may use the following applications:

• Samsung Pay
• Google Pay

Apple Pay is currently unavailable for banks in Puerto Rico.

Both are digital wallet services. These applications are readily available or may be installed in most Android smartphones or tablets. When you subscribe to a digital wallet service, your physical credit card number is replaced by a virtual credit card number or token during transactions at stores with enabled terminals for this type of transaction. This substitution for virtual credit card numbers also happens with Beyond Visa and Mastercard credit cards.

You will be able to add any FirstBank Beyond Visa or Mastercard credit card issued in Puerto Rico and Beyond Mastercard issued in USVI in your digital wallet. Visa Debit and Business Visa Debit cards cannot be registered in the digital wallet.

• Access the digital wallet service.
• Enter your credit card information.
• Read and accept the terms and conditions.
• Choose how you want to receive the token (text message or email).
• Enter the code you received as your verification method.
• You will receive a confirmation.

You may use Samsung Pay and Google Pay at any participating establishment in Puerto Rico and in other countries with compatible technology.

Some businesses that accept Google Pay are: Aerie, Aeropostale, American Eagle, Best Buy, Claire's, Disney Store, Foot Locker, Gap, Gymboree, Macy's, Nike, Old Navy, OfficeMax, Petco, PepBoys, Toys R Us, Walgreens, and Walmart, among others.

Samsung Pay works in most stores with point of sale (POS) terminals.

It may not be used at automatic teller machines or any other terminal where the card needs to be physically inserted.

These services are mostly compatible with Android devices.

Yes, because they replace the Beyond Visa or Mastercard credit card number with a unique token assigned to the digital/mobile wallet. Also, you will need to provide the fingerprint or PIN assigned to your mobile to authorize in-store purchases. 

Please remember that smart phones are like small computers, which means you need to keep the software updated and set up your device passwords. To ensure your safety when using these systems, be mindful of where you connect and avoid using Wi-Fi to access your banking information. 

Also, make sure that the websites you visit or use to make online purchases require a username and password. And lastly, remember to never share your passwords with anyone.

Not all digital/mobile wallets use tokens, which means not all digital wallets have this added security factor.

The service is free of charge. However, to enroll and pay with a digital wallet, your device must have an active data plan.

Although they look the same and allow you very similar functionalities, each digital wallet uses a different technology to make purchases at different merchants.

Yes, your physical card will continue to work as usual.

Yes, you may delete it at any time. Open the digital/mobile wallet, click on your card image and select the Delete option.

You may use Samsung Pay if you have any of the following Samsung devices: Galaxy S8, Galaxy S8+, Galaxy Note 8, Galaxy S7 edge, Galaxy S7, Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy A5, or more recent. You may use Google Pay in any device with Android 4.4 KitKat or higher.

Most of the transactions made with the digital wallet are visible shortly after they are made and for up to one month. Simply open the wallet and click on the desired card to see the latest transactions made with that card.

Return policies will vary by merchant. You may return items purchased with Samsung Pay or Google Pay the following way:

• Provide the merchant with the last four digits of your digital credit card instead of your physical card's account number.
• Use the physical card with which you made the Samsung Pay or Google Pay purchases.

Please remember to keep the original receipt you received from the merchant at the time of purchase. The transaction details in Samsung Pay or Google Pay are not an official receipt.

If you change your phone or tablet, we recommend you delete the information from the device using the Factory Reset function. This process will erase all the information, including digital wallets. 

When you get a new phone or tablet, you will need to register your cards in the digital wallets again, following the same steps as in the initial registration.

If you receive a new Beyond Visa or Mastercard credit card, you need to open the application, delete the existing credit card, and add the new one.

If your phone was stolen or has been compromised in any way, please call 1.855.701.2265 immediately to report it and take the corresponding measures.

The purchases you make with Samsung Pay or Google Pay will enjoy the same protection as those made with your physical card. It’s important that you contact the Bank promptly if you identify any unauthorized transactions. Immediately call 1.855.701.2265 to report them.

You need to contact your mobile phone provider to check whether your device is enabled to offer the Samsung Pay and Google Pay features.

Yes, you may register more than one card. You may choose to pay with any of the cards, however, but you can also set up one of them to be the preferred card. This way, you only need to bring your device up close to the POS, and that's it! You don't even need to open the application. You just need to bring your device up close.

Yes, you may add your credit card to your digital wallet in multiple mobile devices.

You should visit Samsung Pay Help Center or Google Pay Help Center.

Depósito Expreso is a new service from FirstBank that lets you make electronic check and cash deposits at enabled automatic teller machines. With Depósito Expreso, you will be able to deposit cash and checks –no deposit slip needed!–at a moment's notice, 24/7. And you don't even need to go into the bank. It's safe, convenient, and express-fast!

Yes. You need to have a deposit account and debit card to enjoy this convenient service, since you will need the card to initiate the deposit process at the ATM. The deposit will be made to that card's corresponding account.

You may enjoy our convenient Depósito Expreso service at 28 of our many branches available island-wide, in the following municipalities:

• Aguada
• Aguadilla
• Arecibo
• Bayamón
• Caguas
• Canóvanas
• Carolina
• Cayey
• Dorado
• Fajardo
• Guaynabo
• Humacao
• Manatí
• Mayagüez
• Ponce
• San Juan
• San Sebastián
• Toa Alta
• Trujillo Alto
• Yauco

For more information about ATM availability and location, click here.

Yes. Yes, each time you make a deposit you will get a receipt with the details of your transaction.

If it is a check deposit, the receipt will include an image of the deposited check. If it is a cash deposit, the receipt will include details of the deposited amount.

You should contact FirstLine Solutions Center at 787.725.2511 or 1.866.695.2511 (toll-free), available Monday through Sunday, from 6:00 a.m. to 12:00 a.m. to make sure the transaction was processed.

If the deposit was made in cash before 3:00 p.m. on a business day, the funds will be immediately available for any type of transaction. But if a cash deposit is completed after 3:00 p.m. or not on a business day, the funds will only be immediately available for online transactions, such as ATM withdrawals and transfers, POS (point-of-sales) purchases, and transfers between accounts through our mobile application or Online Banking service. The effective date, however, will be the next business day. Checks deposited before 7:00 p.m. on business days will be processed and available on the same day. Deposits after that time will be processed the next business day. 

FirstBank will consider the date of processing as the effective date for the deposit. Your deposit will be available as per our Fund Availability Policy, which is included in the Account Agreement.

Depósito Expreso lets you deposit up to 75 bills per transaction.

Yes, you may only deposit bills of up to $100.

The automatic teller machine will read each bill individually to determine if it is valid. If the automatic teller machine cannot process the bill, it will return it to the client.

Before completing the transaction and printing the receipt, the automatic teller machine will check the deposit amount, and you will need to confirm that the amount on screen is correct. If this is not the case, you should cancel the transaction and try again.

Depósito Expreso accepts check deposits of up to $5,000 per check, and you may only deposit one check per transaction. The maximum check amount allowed for new accounts (less than 90 days opened) is $2,500.

At the moment, our automatic teller machines only accept checks and bills covered by the Federal Reserve System. To make this type of deposit, we invite you to visit one of our branches. 

The automatic teller machine will confirm that the check was processed, and you will get a receipt with the image of the deposited check. Please remember these deposits are subject to verification. The deposit may be rejected if the deposited check is not signed, is from a bank not covered by the Federal Reserve System, is double endorsed, or the number/written amount on the check is not equal to the amount entered at the ATM.

Digital Banking, FirstBank's Internet Banking and Mobile Banking service, is a platform through which you can access 24/7 your accounts with FirstBank. This bilingual platform has different functionalities and services so you can self-serve at your convenience. In addition, it allows you the same experience from your computer or phone. Digital Banking has a mobile application that you can find in the App Store for Apple mobile phones and in the Google Play Store for Android mobile phones.

You can log into Digital Banking through the online services section in 1FirstBank.com or directly visiting digitalbanking.1FirstBank.com. Also, you can download the app from the App Store or Google Play.

Signing up for Digital Banking is easy. Access the step-by-step guide that shows you how to do it and start enjoying all its benefits today. Learn more

• Provides a single experience that adapts to all your devices
• Available mobile version that allows easy and secure access through Face ID/Touch ID (iOS) or Fingerprint ID (Android) on devices that have this functionality
• Allows you to deposit checks from your mobile device with Depósito Expreso Móvil
• You can transfer money between your accounts and between other FirstBank accounts
• You can pay your loans and credit cards with your FirstBank accounts or accounts from other financial institutions in Puerto Rico and the United States
• You can pay bills to over 4,000 merchants and pay your FirstBank loans, credit cards, and lines of credit with your FirstBank accounts or with accounts from other financial institutions in Puerto Rico and the United States.
• You can manage and verify your income and expenses with Your Finances module
• You can configure and receive alerts and notifications of balances and transactions to the email registered in the platform
• You can enjoy additional services for your accounts such as travel notification, cancellation of cards and stop payment of checks, among others

Yes. Once registered in digitalbanking.1FirstBank.com, you can download the Digital Banking app available in the App Store or Google Play. There, you will be able to access your information using your Digital Banking username and password.

Your safety comes first. Digital Banking has security parameters to keep your information and transactions protected:

• Username and password
• Security image
• Security questions
• PIN number from 4 to 6 digits
• Code for transfers

In addition, you can access your information through the mobile application using Face ID/Touch ID or Fingerprint ID for devices that have this service. Similarly, you can configure balance alerts and receive notifications about your activities in your deposit accounts in the recurrence you want or changes made to your personal information.

To set up your fingerprint or face recognition and quickly access your accounts through the app, visit the Configure section in the left menu of the app, press “Other Settings” and scroll to the “Sign in with Face ID/Touch ID” button or in the case of Android, with Fingerprint ID.

The platform allows the following payments:

• Bills: Payments to over 4,000 registered merchants and to any loans and credit cards you may have in other financial institutions from your FirstBank accounts.
• Loans, Credit Cards, and Lines of Credit: Pay your FirstBank mortgage loans, personal loans, boat loans, auto loans and leases, credit cards, and lines of credit with your FirstBank accounts or with accounts from other financial institutions in Puerto Rico and the United States.

Adding new payees is easy through digitalbanking.1firstbank.com.

To add new payees, visit the Payment section to download step-by-step instructions.

Payments issued before 5 p.m. from Monday to Friday will be debited and processed on the same day.

Payments issued after 5 p.m. or during the weekend will be processed the next business day.

With Digital Banking, you may pay the following FirstBank accounts:

• Auto Loans and Leasing.
• Mortgages loans.
• Personal loans.
• Credit cards.
• Lines of Credit.

You can also make payments to accounts with other financial institutions in Puerto Rico and the United States through Bill Payments.

In order to pay off a loan, you must contact FirstLine Solutions at 787-725-2511 or toll-free at 1-866-695-2511.

Yes. You can issue a payment to any FirstBank loan with accounts from other banks in Puerto Rico and the United States. These accounts must first be registered in digitalbanking.1firstbank.com.

Payments issued from your FirstBank accounts before 5 p.m. from Monday to Friday will be debited and processed on the same day. Payments issued after 5 p.m. or during the weekend will be processed the next business day. Payments made using accounts from other banks will be processed the same day if issued before 5 p.m. Monday through Friday, and will be debited to your account in 3 to 5 business days.

Digital Banking allows you to make two types of transfers:

• Between your own accounts.
• To other FirstBank accounts.

Soon you will be able to transfer money to external accounts.

Visit the Transfers section to download step-by-step instructions or watch a demonstration video that describes this process.

Making deposits through Digital Banking is easy. First, you will need to download the Digital Banking mobile app in the App Store or Google Play. Visit the Deposit section to download step-by-step instructions or watch a demonstration video that explains the deposit process.

Individual checking accounts are eligible to deposit via your mobile device. To find out whether your account is eligible, contact us at 787-725-2511 or toll-free at 1-866-695-2511.

Deposit accounts such as checking accounts, savings accounts, IRAs and CDs, as well as mortgage loans, auto loans and leases, personal loans, credit cards, and lines of credit.

• Activate the View History option and download your e-Statements for the last 18 months.
• View and download images of processed checks.

In the Service section for my accounts:

• Request copies of checks and copies of account statements.
• Redeem Bonus points and rewards points from your credit card.
• Access your balances.
• Receive travel notifications.
• Authorize FirstBank to contact you.
• Request checking or savings account certifications.
• Order a checkbook.
• Cancel or replace your debit card and/or cancel a check payment.

Set up notifications for your deposit accounts or credit card balances, and your account activities such as payments, transfers, and deposits made through Digital Banking.

• Security alerts.
• Failed sign-in attempts.
• Duplicate sessions when your account is open on two devices and when you issue changes to your security settings.

You will be able to make changes in your password, security questions, PIN and security image. Additionally, you may select your language of preference.

To make additional changes to your personal information, please contact our Customer Service Center.

You will have to categorize the transaction again as the service does not saves manual categorizations.

From the moment you activate the service, you will be able to view up to 45 days of past transactions. The service will accumulate 12 months of transactions history.

When you open a FirstBank credit card you are automatically enrolled in our Rewards Program!

No, it is free of charge.

The automated system has been changed with your convenience and safety in mind. It’s easy to register; just follow the Telephone Banking menu options. You'll need the following information at hand:

• Number of one of your FirstBank accounts.
• Social Security number.
• Date of birth.

Once you enter this information, you will be able to choose a 6 to 10 digit user number, as well as a secret 4-digit PIN number. Once you finish, you are ready to use the Telephone Banking system. For further assistance, just press 0 to speak with a Customer Service representative.

The user number you choose must be from 6 to 10 digits long. You should use a number that’s easy to remember. However, for your security, we do not recommend the use of phone numbers, social security numbers or date of birth.

Telephone Banking allows you to access the same accounts you can access through Digital Banking.

Yes. To make payments, you must register your payees through Digital Banking, or with a customer service representative at 787.725.2511, or toll-free from anywhere in Puerto Rico at 1-866-695-2511.