EN
Puerto Rico
US Virgin Islands
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CHECKING ACCOUNT
With a direct deposit of $1,500 or more, you can get 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 bonus is activated once you receive your direct deposit for at least three (3) consecutive cycles in your Elite Account.
Level 3
$25,000 to < $50,000
In combined balances
Benefits:
Level 4
$50,000 to < $100,000
In combined balances
Benefits:
Level 5
$100,000 to < $250,000
In combined balances
Level 6
$250,000 to < $1,000,000
In combined balances
Level 7
$1,000,000 or more
In combined balances
for one (1) year
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 Concierge9 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.
Are the account funds protected by the FDIC?
Yes. The FDIC insures up to $250,000 in deposits per account category, per depositor, per bank. For example, in a deposit account with a single signer, your deposits are insured up to $250,000. On the other hand, in a deposit account with two signers, each is insured up to $250,000. To learn more about FDIC insurance, click here.
Is there a minimum opening balance?
The account requires a minimum opening deposit of $1,000.00, which will be deposited into the checking section. No minimum opening deposit is required for the savings section. With this account, you begin enjoying benefits starting at combined balances of $5,000 or more. For more details on benefits by level, see the benefits table.
How do the levels work?
How do I receive cash back on my loan payments?
You will see the cash back for your benefit level reflected on your Elite Account statement three (3) days after the cycle closes. 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 about these benefits, see the terms and conditions.
How can I move up a level in the account?
Your combined balance will be calculated monthly, and we will assign your level so you receive the corresponding benefits. The higher the balance in your deposit and investment accounts, the higher your level and the more benefits you will enjoy to optimize your finances.
For more details, see the terms and conditions.
What is Concierge?
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.
How does the digital financial planning tool work?
This tool, offered by Oriental Financial Services, allows you to monitor, plan, and manage your finances in one place to make financial decisions.
For more information about this tool and to coordinate this benefit, call the Concierge line at 787-620-1234.
What services does the Financial Planner include?
A financial planner helps individuals create strategies to achieve their long-term financial goals. They help you outline a budget, savings plan, and retirement plan, among 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 in the Oriental Marketplace?
You will have access to 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.
To qualify for the bonus of up to $400, the following direct deposits are eligible:
- Payroll payments
- Social Security benefits
- Pension or retirement payments
Share the following information with your employer so they can set up direct deposit to your Elite Account:
Account type: Checking or Savings
Account number
Routing and Transit Number: 221571415
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.
What do I need to open an account?
To open your account, you must present one (1) of the following current primary IDs:
- Driver's license issued by the Puerto Rico government (DTOP)
- Passport issued by the U.S. government
- Permanent resident card (green card) issued by U.S. Citizenship and Immigration Services
- ID card issued by the Puerto Rico Department of Transportation and Public Works (DTOP)
- U.S. Armed Forces ID Card (Military ID)
If the address on your ID does not match the one provided for the account, or if your ID does not include a physical address, you must provide a utility bill.
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
- Investments12
How does the combined account work?
The checking section and the savings section are linked to maximize your finances.
A minimum daily balance of $1,000.00 will be automatically set in the checking section. If your daily balance is less than $1,000.00, any amount needed to maintain the minimum balance or cover transactions that exceed the available balance will be automatically transferred from the savings section. If your daily balance exceeds $1,000.00, the excess will be automatically transferred to the savings section. If you prefer, you can set a minimum balance higher than $1,000.00 in the checking section by calling 787-620-1234 (Concierge) or visiting any of our branches.
What is considered for the reimbursement of bank service fees?
Bank services you have used that are paid by debiting directly from the Account qualify for this reimbursement.
These are some of the services you can enjoy with reimbursement according to your level:
- Safe Deposit Box
- Wire transfer
- Bank fees
- Card fees and services
- Documents
For more details about these benefits, see the terms and conditions or use the benefits calculator.
Where can I monitor my account?
What is Oriental Financial Services?
Established in 1993, Oriental Financial Services is an affiliate of Oriental Bank that offers comprehensive insurance, investment, and retirement plan services for individuals and corporations, with the mission of helping our customers achieve their financial goals by aligning their resources with their investment objectives and philosophy.
How do I obtain an account certification?
You can obtain the certification through:
- Online Banking. Within the "Account Services" section, choose "Other account services", under Get Documents area, choose "Account Certification" option, complete the required information, and submit your request. Get started here.
- 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 the Oriental Marketplace if I already have an Elite Account?
How can I manage and resolve issues regarding my reservations, orders, payments, and/or refunds in the Oriental Marketplace?
What benefit do I get from having an ABC Account if I have an Elite Account?
When you open an ABC Account, you get the same annual percentage yield (APY) you have on your Elite Account. Based on the combined balance level of $5,000 or more, it will be applied 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 receiving the Elite Account's annual percentage yield (APY) depend on the ABC Account's balance tier?
No, the Elite Account's annual percentage yield (APY) will be applied to the ABC Account regardless of its balance.
Is a minimum balance required in the ABC Account for the annual percentage yield (APY) to apply?
Yes, you must maintain a minimum average daily balance of $5.00 in the Account during the cycle to earn interest.
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 Elite 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 an Elite 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. Bank employees and employees of its affiliates are not eligible.
(2) Elite Account is a combined checking and savings account that takes into consideration the balances of deposit accounts held at Oriental Bank and investments held at Oriental Financial Services, LLC (OFS). Only the savings section earns interest. A minimum opening deposit of $1,000.00 is required for the checking section; no minimum opening deposit is required for the savings section. The savings section earns interest at variable, tiered rates beginning with a balance of $0.01 in that section. The interest rate and Annual Percentage Yield (APY) are determined based on the combined balances during the cycle. Interest is calculated based on the average daily balance in the savings section. Investment products are not deposits, are not insured by the FDIC, are not guaranteed by Oriental Bank, and are subject to investment risks, including the possible loss of principal.
(3) Annual Percentage Yield (APY) applicable only to the savings section. The APY is variable and tiered, which is determined according to the level of combined balances per cycle: Tier 1, combined balances from $5,000.00 to $9,999.99: 0.30% APY; Tier 2, $10,000.00 to $24,999.99: 0.30% APY; Tier 3, $25,000.00 to $49,999.99: 0.60% APY; Tier 4, $50,000.00 to $99,999.99: 0.90% APY; Tier 5, $100,000.00 to $249,999.99: 1.10% APY; Tier 6, $250,000.00 to $999,999.99: 1.50% APY; and Tier 7, $1,000,000.00 or more: 2.00% APY.
(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) Concierge service available during the first year for all tiers from the opening of an Elite Account. After the first year, it requires maintaining one hundred thousand dollars or more in eligible combined balances with Oriental and investments with Oriental Financial Services. 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 no‑fee 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. Card‑related 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.