Checking Accounts - Popular Prestige Checking

¹Popular Bank will not charge a fee when you use an ATM that does not belong to Popular Bank or is outside the Allpoint network. Other fees may be imposed by third parties when using non-Popular Bank ATMs or ATMs outside the Allpoint network.

²Standard mobile carrier charges and fees may apply.

³Popular Bank and its affiliates are not affiliated with ATM National, LLC. Allpoint is a registered Trademark of ATM National, LLC.

⁴Popular Bank does not charge ATM fees at any in-network ATMs. You may be charged additional fees by the ATM operator or network used including a Foreign currency conversion fee.

⁵Under our standard overdraft practices, we will charge you up to $34 each time that we pay an overdraft (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means). We charge no more than three overdraft fees per day. We will not charge you a fee if your account is overdrawn by $50 or less, and there is no fee charged for returned overdraft transactions. Overdraft fees are not applicable to Easy Access checking accounts. Please refer to the Personal Banking Disclosure and Agreement, your account product disclosure, Schedule of Fees, and Debit Card/ATM Overdraft coverage for more information. View account disclosures and agreements.

⁶Your average monthly checking balance is the sum of the daily account end of day balance, after all debits and credits have been processed, divided by the number of days within the statement cycle. The average monthly deposit balance is the sum of the average daily balance on all deposit accounts after all debits and credits have been processed divided by the number of days within the statement cycle.

⁷The aggregate direct deposit amount includes the sum of direct deposits received at the end of the statement cycle.

⁸U.S. checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

⁹Popular Bank is a Member FDIC institution. Your deposits are insured up to $250,000 per depositor. You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories. For more information, please refer to: www.fdic.gov

¹⁰Popular Bank, in its sole discretion, reserves the right to change or terminate these rates at any time. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account. CDs will automatically renew at the end of the grace period following maturity with the rate applicable at that time for the same term and corresponding tier for the deposit amount at the time of renewal. Interest rates and Annual Percentage Yield (APY) may change at any time at the Bank's discretion without prior notice before any CD account is opened online. CDs cannot be opened online before the application process is finalized and approved. Once your application is approved, your account will receive the current interest rate and APY in effect on the date it is opened and funded. The APY assumes that interest and principal will remain on deposit until maturity.

Popular Bank’s websites and online services are not directed to children under the age of thirteen (13) and do not encourage these children to provide their personal information. Consequently, our policy is that we will not knowingly collect personal information provided by children under the age of thirteen (13). If we obtain actual knowledge that we have collected such information, we will comply with the requirements of the Children's Online Privacy Protection Act (COPPA), including the deletion of such personal information from our systems. For additional information about COPPA, please visit the Federal Trade Commission's website at: www.FTC.gov

Important information about procedures for opening a new account. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.