EN
Puerto Rico
US Virgin Island
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CHECKING ACCOUNT
With direct deposit of $1,500 or more, you could receive a bonus of up to $400.
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Direct deposit amount
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Bonus
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$1,500 to $2,499.99
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$200
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$2,500 to $4,999.99
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$300
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$5,000 or more
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$400
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The benefit is activated after a minimum of three (3) consecutive direct deposit cycles in your elite 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.
Open an ABC Account and we’ll automatically match10 the same APY you already enjoy with your Elite Account.
Giving them a financial advantage is the best gift you can offer for their future. Open it online or call Concierge at 787-434-8458 and we’ll take care of opening it for you.
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) The tiered bonus of $200 to $400 applies to individuals who open an Elite Account during the period from April 16, 2026 through December 31, 2026, and who do not maintain individual deposit accounts with Oriental Bank either in the month the account is opened or in the month prior to opening the account. To qualify for the bonus, direct deposits corresponding to payroll payments, Social Security or pension/retirement benefits of $1,500.00 or more per cycle must be scheduled and received for three (3) consecutive cycles into the Elite Account after the account is opened and within the established promotional period. The customer has up to six (6) cycles from the account opening date to complete the three (3) consecutive qualifying direct deposit cycles. The account must be open at the time the bonus is credited. The bonus will be credited in the next cycle after the requirements are met and will be determined based on the average total of qualifying direct deposits received during the three (3) consecutive cycles within the promotional period, according to the following direct deposit tiers: $1,500.00-$2,499.99 qualifies for a $200 bonus; $2,500.00-$4,999.99 qualifies for a $300 bonus; $5,000.00 or more qualifies for a $400 bonus. Limit of one bonus per customer, who must be the primary account holder. The bonus is not valid with other promotions or offers and may not be combined, accumulated, or used in conjunction with any other bonus or offer.
(2) Account that considers deposit account balances at Oriental Bank and investments at Oriental Financial Services, LLC (OFS) to earn a higher interest rate, annual percentage yield (APY) and profit.
(3) The annual percentage yield (APY) used to calculate interest payments of up to 2% in the savings section of your account will be determined based on combined balances of $5,000 or more per cycle, as disclosed when opening the account. Subject to a minimum balance of $0.01 in this section to accrue interest.
(4) Cash back applies to customers with combined balances of $10,000.00 or more with both checking and savings sections of the Account open. Payments on mortgages, personal loans, auto loans, solar panels and lines of credit with Oriental that are made by direct debit or auto pay from the checking section of the Elite Account.
(5) Reimbursement of service charges for customers 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 electronic debit cancellation, investigation of cashed check, transfers to outside (online) accounts, debit card replacement, urgently requested debit card, image of paid checks, deposit or withdrawal slips, copy of statement or transactional history, insufficient or unavailable funds fee, daily overdraft fee, wire transfers received or sent, official certification of active account, detailed account certification, CD with information, production of other documents, annual safe deposit box rental, withdrawal fee and balance verification at ATMs outside the Oriental ATM network.
(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. The availability of this service is subject to the level of combined account balances and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. They are not a deposit or obligation of Oriental Bank, are not guaranteed by Oriental Bank, and are subject to investment risk, including possible loss of the principal amount invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts that are considered to receive the benefits of combined balances for the Elite account are DGI Investment IRA and the investment accounts at Pershing (OFS Brokerage Accounts).
(7)A Financial Advisor assists in managing your investments, such as buying and selling stocks, bonds, and mutual funds and building and implementing investment portfolios. This benefit must be coordinated by calling the Concierge line at 787.620.1234. The availability of this service is subject to the level of combined account balances and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. They are not a deposit or obligation of Oriental Bank, are not guaranteed by Oriental Bank, and are subject to investment risk, including possible loss of the principal amount invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts that are considered to receive the benefits of combined balances for the Elite account are DGI Investment IRA and the investment accounts at Pershing (OFS Brokerage Accounts).
(8)A financial planner assists individuals in creating strategies to achieve their long-term financial goals. They help you outline a budget plan, savings, retirement planning and other financial goals. This benefit should be arranged by calling the Concierge line at 787.620.1234. The availability of this service is subject to the level of combined account balances and will be offered by OFS. The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. They are not a deposit or obligation of Oriental Bank, are not guaranteed by Oriental Bank, and are subject to investment risk, including possible loss of the principal amount invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts that are considered to receive the benefits of combined balances for the Elite account are DGI Investment IRA and the investment accounts at Pershing (OFS Brokerage Accounts).
(9) No registration is required. After account opening, this service is available to all levels (1 through 7) for the first year. After the first year, it is available to customers who maintain $100,000 or more (from level 5) in combined deposit and investment account balances with Oriental. If you qualify you must call 787.620.1234. For more information go to orientalbank.com/en/for-you/concierge/.
(10) This benefit applies when the primary Elite Account holder is the parent, relative, or legal guardian of a minor in an ABC account. The Annual Percentage Yield (APY) of the Elite Account, based on the combined balance level of $5,000 or more of the Account holder, will be applied to the balance of the ABC account.
(11) If you are an Elite Account customer, you can access the Oriental Marketplace through the service portal. Oriental Marketplace is a discount platform offered by Entertainment Benefits Group LLC doing business as Working Advantage, in order to provide additional benefits to Oriental Bank customers. Oriental Bank is not responsible for the content, operation, offers, or transactions made on this platform. Any claim or dispute related to offers or transactions should be directed directly to the provider.
(12) The FDIC does not insure the products and services offered by Oriental Financial Services, LLC. They are not a deposit or obligation of Oriental Bank, are not guaranteed by Oriental Bank, and are subject to investment risk, including possible loss of the principal amount invested. Oriental Financial Services, LLC and Oriental Bank are subsidiaries of OFG Bancorp. The investment accounts that are considered to receive the benefits of combined balances for the Elite account are DGI Investment IRA and the investment accounts at Pershing (OFS Brokerage Accounts).
(13) Experience the services of a digital planning tool, financial counseling, and expert advice from a financial advisor. The availability of these services is subject to the level of combined account balances and will be offered by OFS.
(14) Account-related service charges, free of charge if you maintain combined balances of $25,000 or more with both checking and savings sections of the account open, such as: Provisional checks, manager's checks, bank drafts, carbon copy check order and Oriental logo (basic institutional only), paper statement, check usage, savings debit transactions and account inactivity.
(15) Certain terms and conditions apply. Initial account opening balance of $1,000 in the checking section. You must maintain a combined minimum balance of $5,000.00 (considering checking and savings account balances) to avoid the $10.00 combined minimum balance per cycle fee and to receive the annual percentage yield (APY) in the savings section based on the level of the combined minimum balance totals per cycle disclosed at account opening. $0.50 fee for each check written over 10 per cycle does not apply if you maintain combined balances of $25,000 or more and both checking and savings sections of the account are open.
(16) Requires that both the owner of the account and the person who will receive the transfer be registered in the service. You must have an active debit card with a participating financial institution with the ATH Móvil Service to register. Only individuals who are 18 years of age or older may use the service. Other restrictions apply. Please access athmovil.com to view the terms of conditions or the participating institution’s list. ATH Móvil is a service of the ATH® Network from EVERTEC Group, LLC.
(17) People Pay is for making payments and you must be registered in Online Banking (requires registration 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.
(18) The figures shown are hypothetical and may vary depending on your individual situation. Total earnings consider several items, including the total annual interest earned on the savings account balance based on the combined balance level. It also considers the possible total annual cash back generated by the repayment of loans with Oriental based on the same level. The example of refundable banking service or free of charge for Tiers 1 and 2 contemplates 12 minimum balance charges valued at $120.00 per year. An example of a refundable banking service or free of charge for Tiers 3 through 7 includes an annual Safe Deposit Box rental valued at $325.00 per year. Wire transfers: 6 wire transfers valued at $285.00 (3 received, cost $15.00, 2 domestic sent, cost $70.00 and 1 international sent, cost $100.00). Checks and money orders at $23, including: 1 manager's check valued at $10.00, 1 draft up to $500 valued at $5.00, 1 draft over $500 valued at $8.00. Banking fees valued at $247.50, including: 12 minimum balance charges valued at $120.00, 3 insufficient or unavailable funds charges valued at $45.00, 4 transfers to outside accounts valued at $20.00, 1 account inactivity charge valued at $10. 00, 1 stop payment request or electronic debit cancellation valued at $15.00, 3 daily overdraft fee charges 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. Charges and debit card services valued at $11.00, including: 1 card replacement valued at $5.00, 12 withdrawals and balance verification at ATMs outside the Oriental network valued at $6.00. Documents valued at $101, including: 1 request for CD with information valued at $5.00, 1 request for detailed certification of account(s) 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 paid check image, deposit or withdrawal slip valued at $5.00, 1 request for investigation of cashed check valued at $5.00, 1 request for production of other documents valued at $2.00.
The example of the annual calculation of combined benefits of $1,000 or more considers a customer at Level 3 of combined balances, with a balance of $25,000 in the savings component of the account. It includes the annual value of the following reimbursable or nofee banking services: an annual safe deposit box rental valued at $325. Wire transfers valued at $285.00 (3 received at a cost of $15.00 per transfer, 2 domestic outgoing transfers at a cost of $70.00 per transfer, and 1 outgoing international transfer at a cost of $100.00). Checks and money orders valued at $23, including: 1 cashier’s check valued at $10.00, 1 money order up to $500 valued at $5.00, and 1 money order over $500 valued at $8.00. Banking fees valued at $247.50, 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 request or electronic debit cancellation fee valued at $15.00, 3 daily overdraft fee charges 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. Cardrelated fees and services valued at $11, including: 1 card replacement fee valued at $5.00, and 12 withdrawals and balance inquiries at automated teller machines (ATMs) outside the Oriental network valued at $6.00. Documentation services valued at $101, including: 1 certificate of deposit (CD) information request valued at $5.00, 1 request for detailed account certification(s) valued at $25.00, 1 request for an official certification of an active account valued at $5.00, 4 temporary checks valued at $20.00, 12 paper account statements valued at $24.00, 1 account statement or transactional history request valued at $10.00, 1 request for an image of a paid check, deposit receipt, or withdrawal receipt valued at $5.00, 1 request for a paid check investigation valued at $5.00, 1 request for the production of other documents valued at $2.00, and accrued interest of $87.50, for a total of $1,080.00.
Oriental Bank, Member FDIC.