Member FDIC. Certain additional terms and conditions may apply. Services available only to FirstBank business customers. Smart Cash Management Solutions services are subject to charges and subscription of additional services. Customers must have accounts with FirstBank and be registered in the Smart Cash Management service. ¹FirstBank Puerto Rico (including its affiliates) and Alchavo are independent, separate, unaffiliated entities. References to Alchavo on this website are solely for purposes of information and convenience to users. References to Alchavo do not constitute a guaranty, endorsement or recommendation of any kind by FirstBank Puerto Rico. By providing information about Alchavo, FirstBank Puerto Rico makes no promises, representations or warranties whatsoever (whether express or implied), and is not responsible for any products and/or services that Alchavo offers. The agreements between Alchavo and its clients do not involve FirstBank Puerto Rico, and FirstBank Puerto Rico has no obligation or liability whatsoever in connection with any agreement, information, materials, products and/or services between Alchavo and its clients.