EN
Puerto Rico
US Virgin Islands
- CHECKING ACCOUNT
Libre Account
The only checking account that works for you and helps you achieve more.
MINIMUM INITIAL DEPOSIT: $0
MINIMUM INITIAL DEPOSIT: $1,000
Benefits:
How can I open an account online?
Learn step by step how to open your account online. It’s easy, secure, and fast! Open yours today.
What 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.
The amount you need to open a deposit account depends on the type of account that suits your needs. The minimum opening amount may vary. To find out, refer to:
How do I determine my combined balances?
To determine the combined balances for the Elite account, 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 we consider offering the best benefits are:
- Checking and savings accounts
- Certificates of Deposit
- IRA accounts
- IRA DGI Balance Fund
- DGI Balance Fund
- Investments12
Concierge is a service 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.
Share the following information with your employer so they can activate Direct Deposit to your Libre Account:
- Account type: checking or savings
- Account number
- Routing and Transit Number: 221571415
You have several options to deposit funds:
At a branch:
- Check or cash deposits at an ATM or ITM (Interactive Teller Machine)
- Direct deposit with a teller
By phone:
- Transfers between Oriental accounts
Online:
- Direct Deposit
- Photo Deposit
- People Pay
- ATH Móvil
- Internal transfers between Oriental accounts
- External transfers (fees may apply)
You can easily activate your card using any of the following methods:
- Through the Oriental App
- By making a purchase and entering your PIN
- At an ATM using your PIN
- By calling our automated voice system at 1-866-622-6800
If you have an active Ahorra Account and are the primary account holder, the Libre+ benefit is activated after completing three (3) consecutive direct deposit cycles of $1,500 or more per cycle into your Libre Account. The benefits will begin to reflect in the fourth (4th) cycle.
If the $1,500 direct deposit requirement is not met during any cycle, the benefit will be deactivated. To reactivate it, you must again complete three (3) consecutive direct deposit cycles of $1,500 or more into your Libre Account; the benefit will be reflected in the fourth cycle.
If you meet all requirements and still do not see your benefit reflected in the fourth cycle, you may contact us at 787-620-0000 for assistance.
How can I reorder checks?
How do I request an account certification?
What is a ‘dormant/inactive’ account and how can I activate it?
Where can I obtain a copy of the deposit account agreement?
This benefit is subject to receiving direct deposits of $1,500.00 or more for a minimum of three (3) consecutive cycles into your Cuenta Libre, and you must be the primary account holder on both accounts.
If I don’t have the Ahorra Account, do I need to open one to obtain this benefit?
Yes, you can do it digitally in minutes.
Is this benefit temporary?
No, it will remain in effect as long as you meet the requirements.
What happens if the amount of the direct deposit decreases or if I don’t receive it in a given cycle?
The benefit will stop if (1) you cancel the direct deposit, (2) the direct deposits are less than $1,500.00, or (3) the recurrence of direct deposits is interrupted. To enjoy this benefit again, you must complete three (3) consecutive cycles of direct deposits of $1,5000.00 or more per cycle.
When is the additional interest amount credited?
The 0.10% increase on the APY will be reflected after the third consecutive cycle of direct deposits of one thousand five hundred dollars ($1,500.00) or more into your Libre Account. This APY increase will be integrated as part of the regular interest payment calculated and credited based on the balance of your Ahorra Account.
If I lose the benefit because I temporarily stop receiving my direct deposit, how can it be reactivated?
To enjoy this benefit again, you must once again complete three (3) consecutive cycles of direct deposits of $1,500.00 or more.
If I already have a Cuenta Libre that receives direct deposits of $1,500.00 or more, can I enjoy this benefit?
Yes, you just need to open an Ahorra Account.
If I already have an Ahorra Account, can I benefit from this?
Yes, open your Cuenta Libre digitally in minutes, activate your direct deposit of $1,500.00 per cycle, and the benefit will be activated after the third cycle.
Are Libre Account and Libre+ different accounts?
No, they are not different accounts. Libre+ is an additional benefit that gets activated within the Libre account.
Direct deposit is a safe and convenient way to receive money electronically directly into your Oriental checking or savings account.
Your employer, institution, or government agency sends the payment electronically through the ACH system, and the funds are credited directly to your account.
Direct deposit is faster, safer, and more convenient.
- Your money is credited automatically without the need to visit a branch
- It reduces the risk of lost or misplaced checks
- Funds are generally not subject to holds
- You receive your payment on time, wherever you are
The Ahorra Account can be opened with as little as $1.00.
If you open it online or by phone:
- You may deposit funds through a transfer from an external account or from another Oriental account.
If you open it at a branch:
- You may deposit funds through a transfer from an external or internal account, cash, or check.
Funds availability:
- External transfers and checks: available within 1 to 3 business days
- Cash and transfers from Oriental accounts: available immediately
Mandatory Disclosures
(1) Applies only to direct deposits transmitted via the ACH network. Subject to the condition that the sender initiates the transaction two business days before the established payment date. Maximum of $10,000.00 per transaction.
(2) Refund of up to $66 per year includes the following: (a) Refund of .05 cents for each purchase or payment made with the Mastercard® debit card, up to a maximum of 20 transactions per cycle and (b) Refund of up to 3 ATM Surcharges per cycle, maximum of $1.50 per withdrawal ($4.50 in aggregate), beginning the second periodic statement cycle from the opening of the Account, in cycles in which the Account maintains an average daily balance of $1,000 or more. For more details visit orientalbank.com.
(3) $0 maintenance fee per cycle. Other fees may apply, such as: use of in-branch cashier, drawn checks, and paper statements.
(4) If you are a Libre 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.
(5) By voluntarily signing up for automatic payment from your Account, you can get the following discounts on the Annual Percentage Rate (“APR”) of personal loans and auto loans that you originate with Oriental: Personal Loans: .75% or Auto Loans: .25%. Please note that by honoring the applicable discount to the APR, it will never be lower than the minimum APR established by the Bank for those products.
(6) 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 by EVERTEC Group, LLC.
(7) To view People Pay terms and conditions, click here.
(8) The tiered bonus of $200 to $400 applies to individuals who open a Libre Account or 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 Libre Account or 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.
(9) Double the annual percentage yield (APY) applies to balances from $500 up to $24,999.99. An additional +0.10% APY benefit will be activated in your Ahorra Account and reflected in the next cycle after meeting the requirement of three (3) consecutive direct deposit cycles totaling one thousand five hundred dollars ($1,500) or more per cycle into your Libre Account. This APY increase will be incorporated as part of the regular interest payment calculated and credited to the balance of your Ahorra Account. If you do not have an Ahorra Account, you must open one to enjoy this benefit.
(10) This account considers balances from deposit accounts at Oriental Bank and investments in Oriental Financial Services, LLC (OFS) to earn a higher interest rate, annual percentage yield (APY), and benefits.
(11) 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.
(12) Cashback applies to customers with combined balances of $10,000.00 or more across both open sections of the Elite Account (checking and savings). Qualifying for the cashback percentage is subject to applicable monthly and annual limits and includes mortgage, personal, auto, solar panel, and line of credit payments with Oriental made via direct debit or auto-payment from the checking section of the Elite Account.
(13) Reimbursement of service charges for customers with combined balances of $25,000.00 or more across both sections of the account (checking and savings), including suspension of check payment or cancellation of electronic debit, investigation of cleared checks, transfers to external accounts (online), replacement of debit card, expedited debit card requests, images of paid checks, deposit or withdrawal receipts, copy of account statement or transaction history, insufficient or unavailable funds fees, daily overdraft fees, received or sent wire transfers, official certification of active account, detailed account certification, CD information, production of other documents, annual safe deposit box rental, withdrawal fees, and balance verification at ATMs.
(14) No registration required. After opening the account, this service will be available for all levels (1 to 7) during the first year. After the first year, it is available to customers maintaining $100,000 or more (from level 5) in combined balances of deposit and investment accounts with Oriental. To qualify for this service, please call 787-620-1234. For more information, visit https://orientalbank.com/en/for-you/concierge.
(15) The digital financial planning tool allows you to monitor, plan, and manage your finances in one place for informed financial decisions. A Financial Advisor assists with managing investments, including buying and selling stocks, bonds, and mutual funds, as well as building and implementing investment portfolios. A Financial Planner helps individuals create strategies to achieve long-term financial goals. It assists in outlining a budget, savings plan, retirement planning, and other financial objectives. For more information on these services and to coordinate this benefit, call the Concierge line at 787-620-1234. The availability of these services is subject to the combined account balance level and will be offered by Oriental Financial Services. The FDIC does not insure 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 possible loss of principal. Oriental Financial Services, LLC, and Oriental Bank are subsidiaries of OFG Bancorp. Investment accounts considered for combined balance benefits for the Elite Account include the DGI Investment IRA and investment accounts at Pershing (OFS Brokerage Accounts).
(16) 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.
Mastercard® is a registered trademark of Mastercard International Region LAC and is used by the issuer under license. Oriental Bank, Member FDIC.
To assist the government in combating terrorism financing and money laundering activities, federal law requires that all financial institutions obtain, verify, and record information that identifies every person who opens an account. For you, this means that when you open an account, we will ask for your name, address, date of birth, and other information to identify you. We will also request that you show us your driver's license or other identification documents. Additionally, starting in May 2018, EVERY time an account is opened for a covered legal entity, we must request identification information (name, address, date of birth, social security number, ownership percentage, and identification documents) for each individual who has ultimate ownership (25% or more) and for an individual who has significant administrative control of the legal entity. If you are opening an account on behalf of a legal entity, you will be required to provide appropriate documentation (Certification of Beneficial Owners) and certify that this information is true and accurate to the best of your knowledge.
How can i open an account online?
Conoce paso a paso el proceso para abrir tu cuenta online. ¡Es fácil, seguro y rápido! Ábrela hoy.
1. Identifica cual es tu meta.
Si estás ahorrando para cubrir tus gastos mensuales en caso de una emergencia, para dar el pronto para tu nuevo hogar, o los estudios universitarios de tus hijos o las merecidas vacaciones. Éstas son algunas de las metas que puedes tener y que debes identificar.
2. Set the amount you can save.
This step is extremely important because the amount you can save will determine how much time you need. identify expenses You can reduce and deposit that money into your savings account.
3. Decide when you’ll need your savings.
Si necesitas tu dinero cada mes, la cuenta Ahorra es ideal para ti. Ganas intereses todos los meses y tienes acceso a tu dinero. Si necesitas ahorrar para un viaje dentro de un año, la cuenta Club es ideal. Establece la fecha del retiro y comienza a ahorrar.
4. Make sure your account earns interest.
This helps your money grow. as Interest earned is added to your savings account balance, your money increases. oriental savings accounts Earn interest on your balance.
- Términos específicos del financiamiento
- Tasa de Porcentaje Anual (APR) y término del contrato
- La cantidad en dólares que debo pagar todos los meses durante el término del préstamo
- Precio negociado del vehículo acordado con el vendedor
- Quién es mi aseguradora y los términos del seguro contratado
Puedes presentar una de las siguientes opciones:
- Licencia de Conducir emitida por el gobierno de los Estados Unidos o algunos de sus territorios
- Pasaporte o tarjeta de pasaporte emitida por el gobierno de Estados Unidos
- Tarjeta de identificación (ID Card) emitida por gobierno de Estados Unidos o sus territorios
Nota: Estos documentos deben ser válidos y no estar expirados.
Para realizar tu pago, tienes varias maneras de hacerlo:
- Por medio de un pago directo desde una cuenta de depósitos en Oriental o un pago automático desde una cuenta de depósito de cualquier institución bancaria.
- Por teléfono, llamando al 787.777.7171 de lunes a viernes de 7:30am a 5:30pm y sábados de 9:00am a 1:00pm.
- A través de nuestros cajeros en vivo o nuestras sucursales.
- A través del Portal de servicio.
MANDATORIOS
(1) Deberá mantener un balance diario promedio de $500 para evitar el cargo por balance mínimo mensual de $7.00 y para recibir la tasa de rendimiento anual (APY) divulgada al abrir la cuenta. Transacciones de débito en exceso de 6 por ciclo tendrán un cargo de $2.00 cada una. Cargos pueden reducir el balance de la cuenta. Los servicios de ATH Móvil y People Pay solamente se pueden utilizar con la Cuenta ¡Ahorra!.
(2) Requiere que tanto el dueño de la cuenta que recibirá la transferencia como el que la envíe, estén registrados en el servicio. Para registrarse debe tener una cuenta de depósito activa con una institución financiera participante del servicio de ATH Móvil. Solo individuos que tengan 18 años o más pueden usar el servicio. Otras restricciones aplican. Accede a athmovil.com para registrarte y ver los términos y condiciones o la lista de Instituciones participantes. ATH Móvil es un Servicio de la Red ATH® de EVERTEC Group, LLC.
Transferencias de ATH Móvil y People Pay pueden afectar los límites establecidos en cuentas de ahorros, lo que pudiera representar un cargo por cada transacción en exceso.
(3) Para ver los términos y condiciones de People Pay, haz clic aquí.
(4) Cuenta que considera los balances de cuentas de depósito en Oriental Bank y las inversiones en Oriental Financial Services, LLC (OFS) para devengar una mayor tasa de interés, tasa de rendimiento anual (APY) y beneficios.
(5) La tasa de rendimiento anual (APY) que se usará para calcular el pago de intereses de hasta un 2% en la sección de ahorros de tu cuenta se determinará basado en el nivel de balances combinados de $5,000 o más por ciclo, según divulgados al abrir la cuenta. Sujeto a un balance mínimo de $0.01 en esta sección para devengar intereses.
(6) El cash back aplica a clientes con balances combinados de $10,000.00 o más con ambas secciones de la Cuenta (cheques y ahorros) abiertas. Cualifican para el porciento de reembolso, sujeto a los límites mensuales y anuales aplicables, los pagos de préstamos hipotecarios, personales, autos, placas solares y líneas de crédito con Oriental que se realicen mediante débito directo, auto pago o a través de nuestro portal de servicio desde la sección de cheques de la Cuenta Elite.
(7) Reembolso de otros cargos por servicio para clientes con balances combinados de $25,000.00 o más con ambas secciones de la Cuenta (cheques y ahorros) abiertas, tales como: suspensión de pago de cheque o cancelación de débito electrónico, investigación de cheque cobrado, transferencias a cuentas externas (online), reemplazo de tarjeta de débito, tarjeta de débito solicitada con urgencia, imagen de cheques pagados, comprobantes de depósito o retiro, copia de estado de cuenta o historial transaccional, cargo por fondos insuficientes o no disponibles, tarifa diaria de sobregiros, transferencias cablegráficas recibidas o enviadas, certificación oficial de cuenta activa, certificación detallada de cuentas, CD con información, producción de otros documentos, renta anual de caja de seguridad, cargo por retiros y verificación de balance en cajeros automáticos fuera de la red de Oriental (ATM).
(8) No requiere registro. Luego de abrir la cuenta este servicio estará disponible para todos los niveles (1 al 7) por el primer año. Después del primer año, está disponible para clientes que mantengan $100mil o más (nivel 5) en balances combinados de cuentas de depósitos e inversiones con Oriental. De cualificar, puedes utilizarlo llamando al 787.620.1234. Para más información accede a orientalbank.com/es/para-ti/concierge/.
(9) La herramienta digital de planificación financiera le permite monitorear, planificar y manejar sus finanzas en su solo lugar para la toma de decisiones financieras. Un Asesor Financiero ayuda en el manejo de sus inversiones, tales como compra y venta de acciones, bonos y fondos mutuos y construir e implementar porfolios de inversión. Un planificador financiero asiste a los individuos en crear estrategias para alcanzar sus metas financieras a largo plazo. Le ayuda a delinear un plan de presupuesto, ahorro, planificar para su retiro entre otras metas financieras. Para más información sobre estos servicios y coordinar este beneficio debes llamar a la línea Concierge al 787-620-1234. La disponibilidad de este servicio está sujeto al nivel de balances combinados de la cuenta y serán ofrecidos por OFS.
(10) Cuenta exclusiva para niños hasta 18 años de edad. Se requiere un balance diario promedio de $5.00 para evitar el cargo por balance mínimo mensual de $1.00. y para recibir la tasa de rendimiento anual (APY) divulgada al abrir la cuenta. Cargos pueden reducir el balance de la cuenta. Las cuentas serán abiertas a nombre del menor como Cuentahabiente (“Cuentahabiente”) representado por su padre, madre o tutor legal designado por el Tribunal en capacidad de representante y como garantizador del cumplimiento de las obligaciones del menor (“Representante”). Debe presentar certificado de nacimiento y número de seguro social del menor al abrir la cuenta. Oriental Bank no opera una página de internet dirigida a menores de edad y no recopila información personal sobre los menores.
(11) Deberá mantener un balance diario promedio de $100.00 para recibir la tasa de rendimiento anual (APY) divulgada al abrir la cuenta. Requiere la programación de depósitos automáticos. Retiros parciales y cierre de cuenta antes de que se cumpla el término escogido, tendrán un cargo de $5.00 cada uno. Requiere transferencias automáticas recurrente. De recibir un bono en efectivo como parte de una oferta especial para la apertura de la Cuenta, la cantidad estipulada en dicha oferta se depositará a la Cuenta el próximo Día Laborable a partir de la fecha de apertura de la Cuenta. El bono deberá permanecer en la Cuenta por un período de ciento setenta (170) días a partir del depósito del bono y solo estará disponible para desembolso una vez haya transcurrido dicho periodo. Bono solo aplica a Cuentas nuevas (cliente no puede tener una cuenta de ahorro activa o haber tenido o tener otra cuenta de ahorro con un balance diario promedio de $0.00 durante sesenta (60) días previos a la fecha de apertura de la Cuenta). Bono por apertura de Cuenta, solo se otorgará una (1) vez. Otros cargos pueden aplicar conforme al contrato y divulgación de la Cuenta. Cargos pueden reducir el balance de la cuenta. Las cuentas Ahorra, ABC y Ahorro Club, son únicamente para individuos (para fines personales, familiares o del hogar, no comercial).
Para colaborar con el gobierno en la lucha contra el financiamiento del terrorismo y las actividades de lavado de dinero, la ley federal exige que toda institución financiera obtenga, verifique y registre información que permita identificar a toda persona que abra una cuenta. Para usted esto significa que cuando abra una cuenta, le preguntaremos su nombre, dirección, fecha de nacimiento y otra información que nos permitirá identificarlo. También solicitaremos que nos muestre su licencia de conducir u otros documentos de identificación. Además, a partir de mayo de 2018, CADA vez que se abre una cuenta para una entidad legal cubierta, debemos solicitarle información de identificación (nombre, dirección, fecha de nacimiento, número de seguro social, % de propiedad, así como documentos de identificación) para cada individuo que tiene la propiedad final (25% o más) y para un individuo que tiene control administrativo significativo de la entidad legal. Si está abriendo una cuenta en nombre de una entidad legal, se le requerirá proveer la documentación adecuada (Certificación de Beneficiarios finales) y que certifique que esta información es verdadera y precisa a su mejor conocimiento.
How can i open an account online?
Conoce paso a paso el proceso para abrir tu cuenta online. ¡Es fácil, seguro y rápido! Ábrela hoy.
MANDATORIOS
(1) Sujeto a las siguientes penalidades del banco por retiro prematuro: 6 meses de intereses en CD con términos de 12 meses o menos; 9 meses de intereses en CD con término de más de 12 meses.
Para colaborar con el gobierno en la lucha contra el financiamiento del terrorismo y las actividades de lavado de dinero, la ley federal exige que toda institución financiera obtenga, verifique y registre información que permita identificar a toda persona que abra una cuenta. Para usted esto significa que cuando abra una cuenta, le preguntaremos su nombre, dirección, fecha de nacimiento y otra información que nos permitirá identificarlo. También solicitaremos que nos muestre su licencia de conducir u otros documentos de identificación. Además, a partir de mayo de 2018, CADA vez que se abre una cuenta para una entidad legal cubierta, debemos solicitarle información de identificación (nombre, dirección, fecha de nacimiento, número de seguro social, % de propiedad, así como documentos de identificación) para cada individuo que tiene la propiedad final (25% o más) y para un individuo que tiene control administrativo significativo de la entidad legal. Si está abriendo una cuenta en nombre de una entidad legal, se le requerirá proveer la documentación adecuada (Certificación de Beneficiarios finales) y que certifique que esta información es verdadera y precisa a su mejor conocimiento.