EN
Puerto Rico
US Virgin Islands
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CERTIFICATES OF DEPOSIT
Bring your direct deposit and you could receive up to a $400 bonus1
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 cuenta libre.
Move easily to a Cuenta Libre and get more out of it.
Follow these simple steps:
Open it online in just minutes
Move your funds and make sure your payments and deposits are in your Libre Account
Close your previous account
Once everything is ready, request the account closure from your former bank
Get even more benefits when you have a Savings Account
Double the interest compared to the competition on your savings with a Savings Account when you activate direct deposit of $1,500 or more into a Libre Account.7
Service Portal
Enjoy 20% off beverage purchases at the Mastercard Lounge at the Coliseo de Puerto Rico.
The only account in Puerto Rico created to help you grow and achieve more
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AVERAGE DAILY BALANCE
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Initial Deposit |
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$0 service fee
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$0 e‑statement fees
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$0 fees for balance inquiries at out‑of‑network ATMs
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Your payroll deposit available two days early
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Fees for out‑of‑network ATM withdrawals, purchases, or card payments
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Live tellers
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Exclusive offers and discounts on travel, stays, and more
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Smart banking with personalized insights
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0.75% discount on loan interest rates
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0.25% discount on auto loan interest rates
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Fully digital account opening in minutes for customers and non‑customers |
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(+).10% APY on top of the current rate on your Ahorra Account7 |
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What do I need to open an account?
For opening an account you must submit one (1) of the following primary (and current) identifications:
- Driver's license issued by the government of Puerto Rico (DTOP)
- Passport issued by the government of the United States
- A residence card issued by the Department of Immigration and Naturalization US (green card)
- ID cards issued by the Department of Transportation and Public Works of Puerto Rico
- US Armed Force ID Card (Military Cards)
In case the address on the identification is different from the one provided for the account or the identification has no physical address, you should provide a utility bill.
How do I receive the $66 reimbursement?
You can open a Libre Account with a $0 (zero) initial deposit.
What is a ‘dormant/inactive’ account and how can I activate it?
It is a deposit account without transactions issued by the account owner/s in the last 365 consecutive calendar days or more. Any account considered ‘dormant’ will not be able to make transactions, whether they are deposits or withdrawals. To activate, the account holder/s must visit one of our branches with a photo ID.
How do I obtain a copy of my account statement or a check?
How can I reorder checks?
Where can I obtain a copy of the deposit account agreement and the accounts’ terms and conditions?
How can I see the Unclaimed Amounts listing?
To qualify for the bonus of up to $400, eligible direct deposits include:
- Payroll payments
- Social Security benefits
- Pension or retirement payments
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
To be eligible for this offer, you must be either a new customer or an existing customer who is the primary account holder on their aggregated relationship of individual checking and savings accounts, have not received direct deposits or whose direct deposits have not reached a total of $1,500.00 or more in each cycle during the three consecutive cycles prior to the effective date of July 16, 2026.
To qualify for and receive the bonus, you must have an open Cuenta Libre or Elite Account no later than December 31, 2026 and receive eligible direct deposits totaling at least $1,500 for a minimum of three (3) consecutive cycles. The bonus amount will depend on the total eligible direct deposits received during the qualification period and is subject to the offer’s terms and conditions.
Are the account funds protected by the FDIC?
What is early direct deposit and how does it work?
How do I request an account certification?
Through the service portal. Within the "Services" section, under the "Obtain Documents" area, choose the "Account Certification" option, complete the required information, and submit your request. Get started here.
How do I Access Oriental marketplace if I already Have A Cuenta Libre?
You can access the Oriental Marketplace through our service portal.
This benefit is subject to: Receiving one or more deposits transmitted through the Automated Clearing House (ACH) network into your Libre Account totaling $1,500.00 or more per cycle, for a minimum of three consecutive cycles.
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 $1,500.00 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.
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.
How can I manage and resolve issues related to my reservations, orders, payments, and/or refunds On Oriental Marketplace?
How is the availability of funds deposited into my checking account calculated?
The availability of deposited funds depends on the type of instrument deposited. If you make the deposit through one of our bank officers within the branch’s hours of operation on or before 3:00 PM PR / USVI, on a Business Day, we will consider your deposit as received on that Business Day.
If you complete a deposit into your account through any ATMs or interactive ATMs on or before 3:00 PM (USVI) or 9:00 PM (PR) on any Business Day, we will consider your deposit as received on that day. If you complete a deposit into your account after 3:00 PM (USVI) or 9:00 PM (PR) on any Business Day (Saturday, Sunday, or federal holiday), we will consider your deposit received the next Business Day after the date of your deposit.
Exceptions may apply, for more information request the disclosure of the CC Regulation of Availability of Funds.
Direct deposit is a secure and convenient way to receive money electronically directly into your Oriental checking or savings account.
Your employer, financial institution, or government agency sends the payment electronically through the ACH network, and the funds are deposited directly into your account.
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
You can open your Libre Account with no initial deposit ($0). If you choose to make an initial deposit:
Online or by phone:
- Transfer from an external account
- Transfer from another Oriental account
At a branch:
- Transfer from an external or internal account
- Cash deposit
- Check deposit
Funds availability:
- External transfers and checks: 1 to 3 business days
- Cash and transfers from Oriental accounts: available immediately
Mandatory Disclosures
(1) A tiered bonus ranging from $200 to $400 applies to customers listed as the primary account holder within their aggregate relationship of individual checking and savings accounts who either have not received direct deposits or whose direct deposits did not reach $1,500.00 or more per cycle during the three (3) consecutive cycles preceding the bonus effective date. The bonus effective date is July 16, 2026, and the promotion will remain in effect through June 30th, 2027. To qualify for the bonus, beginning on the effective date, the customer must establish and receive in their Libre Account direct deposits consisting of payroll payments, Social Security benefits, or pension or retirement payments totaling $1,500.00 or more per cycle for three (3) consecutive cycles. The third consecutive cycle must have closed no later than June 30, 2027. If a Libre Account is not held, it must be opened on or before December 31, 2026, and the three (3) consecutive cycles must be completed within the established period to qualify for the bonus. No minimum balance in the account is required to receive the bonus. The account must remain open when the bonus is credited. The bonus will be credited during the fourth (4th) cycle after the requirements have been satisfied, and the bonus amount will be determined based on the average of the eligible direct deposits received during the three (3) consecutive cycles, according to the following tiers: $1,500.00–$2,499.99, $200 bonus; $2,500.00–$4,999.99, $300 bonus; and $5,000.00 or more, $400 bonus. Limit one bonus per customer. The bonus may not be combined, accumulated, or used in conjunction with any other promotion or offer. This promotion is not available to employees of the Bank or its affiliates.
(2) Applies only to direct deposits transmitted over the ACH network. Subject to the issuer originating the transaction two business days prior to the stated payment date. Maximum of $10,000.00 per transaction.
(3) $0 maintenance fee per cycle. Other fees may apply, such as: use of in-branch cashier, drawn checks, and paper statements.
(4) Reimbursement 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.
(5) 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.
(6) 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% o 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.
(7) 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.
(8) Direct deposits must total $1,500 or more per cycle, for three (3) consecutive cycles in the Libre Account.
(9) The information presented in this comparative table is based exclusively on publicly available Truth in Savings Act (TISA) disclosures retrieved from the official websites of the respective banks operating in Puerto Rico, as reviewed on or before August 2026.
(10) 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.
Mastercard® is a registered trademark of Mastercard International Region LAC and is used by the issuer under license. Oriental Bank, Member FDIC.
To collaborate with the government in the fight against the financing of terrorism and money laundering activities, the federal law requires that every financial institution obtain, verify and record information that allows identifying any person who opens an account. For you this means that when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We will also request that you show us your driver’s license or other identification documents. In addition, Effective May 2018, EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number, % Ownership as well as identification documents) for each individual that has beneficial ownership (25% or more) and one individual that has significant managerial control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation (Certification of Beneficial Owner) and to certify that this information is true and accurate to the best of your knowledge.
