Member FDIC. Only for individuals. Subject to the terms and conditions included in the Deposit Account Agreement and the Disclosure of Applicable Fees, Terms, and Interest Rates in Deposit Accounts, which were provided when you opened the account. ¹The interest rate and annual percentage yield (APY) applicable to the accounts may vary at the discretion of FirstBank, based on market conditions, and may change without prior notice. ²Prices and terms set by Harland Clarke will apply to additional orders. ³Digital Banking is subject to FirstBank’s terms, conditions, and restrictions. ⁴ Your deposit will be available according to FirstBank’s Funds Availability Policy, included in the Deposit Accounts Agreement. ⁵By using the functionality, you accept and acknowledge that the Functionality may have changes at any time, at FirstBank's discretion, including, but not limited to: modification in the limits to transfer, revoke the Functionality at any time, even if any transfer is pending, or add additional clients or types of accounts at any time, among others.  ⁶ ATH Móvil is subject to FirstBank's terms and conditions. Using ATH Móvil requires the titleholders of both the receiving and issuing accounts to be registered service users. To enroll, you must have an active debit card with a participating financial institution in the ATH Móvil service. Download the ATH Movil application to register and view the terms and conditions of service and a list of participating institutions. ATH Móvil is an ATH® Network service from EVERTEC Group, LLC.  ⁷ The reserve line is optional and subject to credit approval. ​​ ^​​8 There is no monthly service fee if the average balance during the cycle is $25,000 or more. Otherwise, a $15.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies. For non-U.S. residents: There is no monthly service fee if the average balance during the cycle is $50,000 or higher. Otherwise, a $50.00 monthly service fee will apply. The balance of your Certificate of Deposit (CD) and Individual Retirement Account (IRA) with FirstBank will be added to the balance of both sections of the account to determine if the monthly service fee applies. ⁹FirstBank may solicit additional information or documentation.¹⁰Contactless chip card transactions offer the same level of security as a contact chip card if used at a chip-enabled terminal. ¹¹ You may receive fraud alerts by e-mail and/or text message for  suspicious or fraudulent transactions, as long as your information is registered correctly in our systems and your service provider has the service available.