EN
Puerto Rico
US Virgin Island
-
CHECKING ACCOUNT
Elite is designed to offer you more benefits—as you increase the balance of your deposit accounts and
investments9, you can move up to higher levels. With combined balances of $5,000 or more, you can start maximizing your finances.
Level 3
$25,000 to less than < $50,000
In combined balances
Benefits:
Level 4
$50,000 a < $100,000
In combined balances
Benefits:
Level 5
$100,000 to less than < $250,000
In combined balances
Level 6
$250,000 to less than < $1,000,000
In combined balances
for one (1) year
The only combined checking and savings account1 that rewards your loyalty. Open your account with $1,000, and by maintaining combined balances of $5,000 or more, you'll gain access to exclusive benefits.
CONCIERGE:
A personalized banking experience, worthy of what you have built.
With an Elite Account, your progress goes even further. Our Concierge service gives you personalized attention and takes care of your financial tasks so your lifestyle has the support it deserves. Call 787.434.8458 or schedule an appointment with an advisor for more guidance.
ATMs
Find your nearest ATM or branch. You can filter by Live Teller, Drive‑Thru, Quick
Deposit, or ATM.
Easily set up direct deposits by notifying your employer or any organization using this form.
What is the Elite Account?
Elite is the only combined checking and savings account that gives you access to exclusive benefits that grow as you increase your balances and relationships with us.
Is there a minimum opening balance?
The account requires a minimum opening deposit of $1,000.00 in the checking section. No minimum opening deposit is required for the savings section. With this account, you enjoy the benefits with combined balances of $5,000 or more. Please review the benefits table for more details on the benefits per level.
How do the benefit levels work?
How do I receive cash back on my loan payments?
The cash back, according to your benefit level, will be shown on your Elite account statement three (3) days after the close of the account cycle. This benefit applies to customers with combined balances of $10,000.00 or more who make payments on their Auto, Mortgage, Personal Loan, Line of Credit or Solar Panel Loan through the checking section of the Elite account.
For more details on these benefits access the terms and conditions.
How can I move up levels within the account?
Your combined balance will be calculated monthly and we will assign you your level to receive the corresponding benefits. The higher your balance in your deposit and investment accounts, the higher level you will move up and enjoy more benefits to optimize your finances.
For more details access the terms and conditions.
What is Concierge?
This service is available to customers with a combined $250,000.00 or more balance. It is free of charge and offers a unique and dedicated team to manage your service needs related to banking products (checking, savings, IRA, certificates of deposit, loans, debit, and credit cards). Concierge is available to Elite customers with combined balances of $100,000.00 or more. With combined balances of $100,000.00 or less, you will enjoy this service during the first year of account opening.
The Concierge service does not require registration and can be used by calling 787.620.1234.
How does the digital financial planning tool work?
Offered by Oriental Financial Services, this tool allows you to monitor, plan, and manage your finances in one place, which is useful for making financial decisions.
Call the Concierge line at 787.620.1234 to learn more and coordinate this benefit.
What services are included With the financial planner?
A financial planner assists individuals in creating strategies to achieve their long-term financial goals. It helps you outline a budget plan, savings, retirement planning, and other financial goals.
This service is provided by Oriental Financial Services and must be coordinated by calling the Concierge line at 787.620.1234.
In which product categories are offers, discounts, and promotions available on oriental marketplace?
You can access offers, discounts, and promotions for Puerto Rico and the United States in categories such as: travel and experiences, entertainment, clothing and accessories, electronics, appliances, and more.
Is there a minimum opening balance?
What documents do I need to open an account?
To open your account, you need (1) one of these documents, and they must be current:
- Driving license issued by the Puerto Rican government
- Passport issued by the USA government
- Residence card issued by the “Departamento de Naturalización e Inmigración de Estados Unidos” / Green card
- ID card issued by the “Departamento de Transportación y Obras Públicas de P.R”.
- US Armed Force ID Card
If the address on the ID is not like the one provided for the account or the ID has no physical address, a utility receipt must be provided.
How do I determine my combined balances?
To determine the combined balances, we consider products in which you are the primary or secondary owner or holder with the following relationships: sole owner, joint or joint and joint owner, contributing parent in educational IRA accounts, beneficiary, minor beneficiary, legal guardian, or custodian.
The balances of the products we consider offering the best benefits are:
- Checking and savings accounts
- Certificates of Deposit
- IRA accounts
- IRA DGI Balance Fund
- Investments9
How does the combined account work?
The checking and savings sections are tied together to maximize your finances.
The checking section will automatically establish a minimum daily balance of $1,000.00. If you have a daily balance of less than $1,000.00, any amount necessary to maintain the minimum balance or cover transactions in excess of the available balance will be automatically transferred from the savings section. If you have a daily balance over $1,000.00, it will be automatically transferred to the savings section. If you prefer, you can establish a minimum balance greater than $1,000.00 in the checking section by calling (787) 620-1234 (Concierge), or visiting any of our branches.
What is considered for banking service fee reimbursements?
The banking services used and paid by direct debit from the checking or savings section of the Account qualify for this reimbursement.
These are some of the services you can enjoy according to your level:
- Safe Deposit Box
- Transfers
- Bank Charges
- Card fees and services
- Documents
Access the terms and conditions or use the benefits calculator for additional details on these benefits.
Where can I monitor my account?
What is Oriental Financial Services?
Established in 1993, Oriental Financial Services is an affiliate of Oriental Bank offers individuals and corporations complete insurance, investment, and retirement plan services. Our mission is to help our clients meet their financial goals by aligning their resources with their investment objectives and philosophy.
What services are included With the dedicated financial advisor?
We can assist you in managing your investments, such as buying and selling stocks, bonds, and mutual funds, and building and implementing investment portfolios.
Oriental Financial Services provides this service, which must be coordinated by calling the Concierge line at 787.620.1234.
How do I access the Oriental Marketplace if I already have an Elite Account?
How can I manage and resolve issues related to my reservations, orders, payments, and/or refunds On Oriental Marketplace?
What benefit do I get from having an ABC Account?
When you open an ABC Account, you receive the same Annual Percentage Yield (APY) as your Elite Account, based on a combined balance level of $5,000 or more. This APY will apply to the ABC Account balance if the customer is the primary holder of the Elite Account and is the parent, relative, or legal guardian of the minor on the ABC Account.
Will the APY from the Elite Account depend on the balance range in the ABC Account?
No, the APY from the Elite Account will apply to the ABC Account regardless of its balance.
Is there a minimum balance required in the ABC Account for the APY to apply?
Yes, you must maintain an average daily minimum balance of $5.00 in the account during the cycle to earn interest.
Mandatory Disclosures
(1) Account that considers balances in deposit accounts at Oriental Bank and investments at Oriental Financial Services, LLC (OFS) to earn a higher interest rate, Annual Percentage Yield (APY), and benefits.
(2) The Annual Percentage Yield (APY) that will be used to calculate interest payments of up to 2% in the savings section of your account will be determined based on combined balance levels of $5,000 or more per cycle, as disclosed at account opening. Subject to a minimum balance of $0.01 in this section to earn interest.
(3) Cash back applies to clients with combined balances of $10,000.00 or more with both sections of the Account (checking and savings) open. Qualifying for the reimbursement percentage, subject to applicable monthly and annual limits, are payments for mortgage, personal, auto, solar panel loans, and lines of credit with Oriental made through direct debit or automatic payment from the checking section of the Elite Account.
(4) Reimbursement of service fees for clients with combined balances of $25,000.00 or more with both sections of the Account (checking and savings) open, such as: stop payment of check or cancellation of electronic debit, paid check investigation, transfers to external accounts (online), debit card replacement, expedited debit card request, images of paid checks, deposit or withdrawal receipts, copy of statement or transaction history, insufficient or unavailable funds fee, daily overdraft fee, incoming or outgoing wire transfers, official certification of active account, detailed account certification, CD with information, production of other documents, annual safe deposit box rental, withdrawal fees, and balance inquiry fees at ATMs outside the Oriental network.
(5) No registration required. After opening the account, this service will be available to all levels (1 through 7) for the first year. After the first year, it will be available to clients who maintain $100,000 or more (from Level 5) in combined balances of deposit accounts and investments with Oriental. To qualify and receive this benefit, you must call 787‑620‑1234. For more information, visit: Concierge.
(6) This tool allows you to monitor, plan, and manage your finances in one place for financial decision‑making. For more information about this tool and to coordinate this benefit, you must call the Concierge line at 787‑620‑1234. Availability of this service is subject to the level of combined balances in the account and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. These are not deposits or obligations of Oriental Bank, are not guaranteed by it, and are subject to investment risk, including the possible loss of principal invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts considered to receive combined balance benefits for the Elite Account are the DGI Balance Fund and Pershing investment accounts (OFS Brokerage Accounts).
(7) A Financial Advisor assists with the management of your investments, such as the purchase and sale of stocks, bonds, and mutual funds, and with building and implementing investment portfolios. This benefit must be coordinated by calling the Concierge line at 787‑620‑1234. Availability of this service is subject to the level of combined balances in the account and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. These are not deposits or obligations of Oriental Bank, are not guaranteed by it, and are subject to investment risk, including the possible loss of principal invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts considered to receive combined balance benefits for the Elite Account are the DGI Balance Fund and Pershing investment accounts (OFS Brokerage Accounts).
(8) A Financial Planner assists individuals in creating strategies to achieve long‑term financial goals. The planner helps outline a budget, savings plan, retirement planning, and other financial goals. This benefit must be coordinated by calling the Concierge line at 787‑620‑1234. Availability of this service is subject to the level of combined balances in the account and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. These are not deposits or obligations of Oriental Bank, are not guaranteed by it, and are subject to investment risk, including the possible loss of principal invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts considered to receive combined balance benefits for the Elite Account are the DGI Balance Fund and Pershing investment accounts (OFS Brokerage Accounts).
(9) The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. These are not deposits or obligations of Oriental Bank, are not guaranteed by it, and are subject to investment risk, including the possible loss of principal invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts considered to receive combined balance benefits for the Elite Account are the DGI Balance Fund and Pershing investment accounts (OFS Brokerage Accounts).
(10) Experience digital planning tools, financial guidance, and expert advice from a financial advisor. Availability of these services is subject to the level of combined balances in the account and will be offered by OFS.
(11) Account‑related service fees are free of charge if you maintain combined balances of $25,000 or more with both sections of the account (checking and savings) open, such as: provisional checks, cashier’s checks, bank drafts, check orders with carbon copy and Oriental logo (basic institutional only), paper statements, check usage, debit transactions in the savings section, and account inactivity.
(12) Certain terms and conditions apply. Initial account opening balance of $1,000 in the checking section. You must maintain a minimum combined balance of $5,000.00 (considering checking and savings balances) to avoid the $10.00 combined minimum balance fee per cycle and to receive the Annual Percentage Yield (APY) in the savings section, based on the level of total combined minimum balances per cycle disclosed at account opening. A $0.50 fee for each check written in excess of 10 per cycle does not apply if you maintain combined balances of $25,000 or more and both sections of the account (checking and savings) open.
(13) ATH Móvil requires that both the account holder receiving the transfer and the account holder sending the transfer be registered with the service. To register, you must have a deposit account with an active debit card from a financial institution participating in the ATH Móvil service. Only individuals 18 years of age or older may use the service. Other restrictions apply. Visit athmovil.com to review the terms and conditions and the list of participating institutions. ATH Móvil is a service of the ATH® Network of EVERTEC Group, LLC.
(14) People Pay is used to make payments and requires registration in Online Banking (enrollment required at orientalbank.com). The People Pay service has a payment limit of $2,000 per transaction and $4,000 per day. For more details, see the People Pay Terms and Conditions at orientalbank.com/es/para-ti/servicios-online/pagos-digitales/.
(15) Combined balances include Oriental products in which you are the owner or primary or secondary account holder under the following relationships: sole owner, joint owners (“joint or” / “joint and”), contributing parent in Educational IRA accounts, beneficiary, minor beneficiary, legal guardian, or custodian. Relationships in which you act as attorney‑in‑fact or legal representative are excluded. To determine the Account’s benefit level, balances held by each account holder/signatory in other accounts will be considered as part of the combined balances, even if those other products do not share common ownership. This is solely for the purpose of determining combined balances and does not affect the rights, responsibilities, or ownership of the respective accounts.
(16) The example of an annual calculation of combined benefits of $500 or more considers a client at Level 3 of combined balances, with a $25,000 balance in the savings section of the account. It includes reimbursement of the following services used: 1 safe deposit box valued at $325, 6 wire transfers valued at $285 (3 received at $15, 2 domestic sent at $70, and 1 international sent at $100), and interest earned of $87.50, for a total of $697.50.
(17) The figures shown are hypothetical and may vary based on your individual situation. Total benefits include different components, including total annual interest generated on the savings account balance based on the combined balance level, as well as the potential total annual cash back generated from loan payments with Oriental based on the same level. The example of reimbursable or fee‑free banking services for Levels 1 and 2 includes 12 minimum balance fees valued at $120.00 annually. The example for Levels 3 through 7 includes the following annual services: annual safe deposit box rental valued at $325; wire transfers valued at $285.00 (3 received at $15.00, 2 domestic sent at $70.00, and 1 international sent at $100.00); checks and drafts valued at $23, including 1 cashier’s check valued at $10.00, 1 draft up to $500 valued at $5.00, and 1 draft over $500 valued at $8.00; banking fees valued at $227.50, including 12 minimum balance fees valued at $120.00, 3 insufficient or unavailable funds fees valued at $45.00, 4 transfers to external accounts valued at $20.00, 1 account inactivity fee valued at $10.00, 1 stop payment or electronic debit cancellation request valued at $15.00, 3 daily overdraft fees valued at $15.00, 4 transfers to external accounts valued at $20.00, and 5 checks written in excess of 10 per cycle valued at $2.50; card‑related charges and services valued at $11, including 1 card replacement valued at $5.00 and 12 ATM withdrawals and balance inquiries outside the Oriental network valued at $6.00; and documents valued at $101, including 1 request for a CD with information valued at $5.00, 1 request for detailed account certification valued at $25.00, 1 request for official certification of active account valued at $5.00, 4 provisional checks valued at $20.00, 12 paper statements valued at $24.00, 1 request for statement or transaction history valued at $10.00, 1 request for image of paid check or deposit/withdrawal receipt valued at $5.00, 1 request for paid check investigation valued at $5.00, and 1 request for production of other documents valued at $2.00.
Oriental Bank, Member FDIC.
- Driver’s license or passport
- Mobile phone
- $1000 in an existing bank account
- Voided check or bank statement to make the deposit