1. Access Mi Banco Online or Mobile. If you forgot your password, select the option “Forgot your password?”. Then, click on the “Reset your password” button. If your account has been locked, click on the “Restore your access” button to proceed.
2. Confirm your identity by entering your username and last name associated with your Mi Banco account.
3. For your security, we’ll send you a one-time code. Select whether you’d like to receive the code through a text message or email.
4. Enter your one-time code.
5. If the system determines that your profile is high-risk, for an extra layer of security a link will be sent to the email address associated with your Mi Banco account.
6. Access your email and click on the link to complete the regain access process. If you can’t find it, remember to check your SPAM or junk mail folder.
7. Almost done! Choose a new password that meets the listed requirements and press “Continue”.
8. Your access has been reestablished. You will receive an email to notify you of this change. Click “Continue to Mi Banco” to sign in.

1. To change the mailing and/or physical address from an iOS device, the Mi Banco Mobile app must be installed on the device, and you must be enrolled. Once the app is installed, press Sign In and then enter the security parameters: username, security question or two-step verification code (if required), and password.
2. Once you access your profile, press the menu button called More at the bottom right of the screen.
3. On the menu, press the Go to Desktop Version option.
4. After accessing your profile in the desktop version, in the menu on the left side of the screen, select My Information to change your mailing and/or physical address.
5. If you want to change the mailing address, go to the Contact Information section, and click on the plus sign (+) next to the Edit Mailingmailing address option.
6. Enter the mailing address where you are currently receiving account statements.
7. Then enter the new mailing address.
8. Select which account statements you want to receive at the new mailing address.
9. Press Send to confirm the mailing address change. Done! You have changed the mailing address where you will receive the selected accounts’ statements. This change will be added to our systems within 2 business days.
10. If you want to change the physical address, go to the Contact Information section, and click on the plus sign (+) that appears next to the Demographical Information option.
11. Once you enter the Demographical Information section, press Edit on the Current Physical Address.
12. Enter and confirm the new residential address.
13. Lastly, press the Complete button. Done! You have changed the residential address. This change will be added to our systems within 2 business days.

1. To change the mailing and/or physical address from an Android device, the Mi Banco Mobile app must be installed on the device, and you must be enrolled. Once the app is installed, press Log In and then enter the security parameters: username, security question or two-step verification code (if required), and password.
2. Once you access your profile, press the Menu button at the top left of the screen (three horizontal lines).
3. On the menu, press the Go to Desktop Version option.
4. After accessing your profile in the desktop version, in the menu on the left side of the screen, select My Information to change your mailing and/or physical address.
5. If you want to change the mailing address, go to the Contact Information section, and click on the plus sign (+) next to the Edit mailing address option.
6. Enter the mailing address where you are currently receiving account statements.
7. Then enter the new mailing address.
8. Select which account statements you want to receive at the new mailing address.
9. Press Send to confirm the mailing address change. Done! You have changed the mailing address where you will receive the selected accounts’ statements. This change will be added to our systems within 2 business days.
10. If you want to change the physical address, go to the Contact Information section, and click on the plus sign (+) that appears next to the Demographical Information option.
11. Once you enter the Demographical Information section, press Edit on the current physical address.
12. Enter and confirm the new residential address.
13. Lastly, press the Complete button. Done! You have changed the residential address. This change will be added to our systems within 2 business days.

1. To change your mailing and/or physical address, login to Mi Banco Online at www.bancopopular.com. Enter the security parameters: username, security question or two-step verification code (if required), and password. Then press Log In. If you have not registered in Mi Banco yet, click on “ Enroll Now!” and fill in the requested information.
2. After accessing your profile, in the menu on the left side of the screen, select My Information to change your mailing and/or physical address.
3. If you want to change the mailing address, go to the Contact Information section, and click on the plus sign (+) next to the Edit Mailing Address option.
4. Enter the mailing address where you are currently receiving account statements.
5. Then enter the new mailing address.
6. Select which account statements you want to receive at the new mailing address.
7. Press Send to confirm the mailing address change. Done! You have changed the mailing address where you will receive the selected accounts’ statements. This change will be added to our systems within 2 business days.
8. If you want to change the physical address, go to the Contact Information section, and click on the plus sign (+) that appears next to the Demographical Information option.
9. Once you enter the Demographic Information section, press Edit on the current physical address.
10. Enter and confirm the new residential address.
11. Lastly, press the Complete button. Done! You have changed the residential address. This change will be added to our systems within 2 business days.

1. To report a lost or stolen ATH® debit card, you must first login to Mi Banco Online at www.bancopopular.com. Enter the security parameters: username, security question or two-step verification code (if required), and password. Then press Log In. If you have not registered in Mi Banco yet, click on “Enroll now!” and fill in the requested information.
2. Once you access your profile, in the menu on the left side of the screen, please select Account Services to report the lost or stolen ATH® card.
3. In the ATH® Card section, click on the plus sign (+) that appears next to the Report your ATH® Lost or Stolen option.
4. Select the account associated with the lost or stolen ATH® card.
5. Select the lost or stolen ATH® card that you want to report.
6. Select the reason for reporting the ATH® card (Lost or Stolen).
7. Enter the Merchant/ATM Location, City and Date of the last transaction.
8. If you notified the Police, enter the Place of Notification, Dispute Number, and Date of Notification.
9. Press Send to confirm the report of the lost or stolen ATH® card. Done! You have reported the lost or stolen ATH ® card.
10. To request a replacement ATH® card, please click on the Request a new ATH® card option in that same ATH® Card section.
11. Once you are redirected to the page showing the ATH® card’s information, press the Apply Now button.
12. Enter your personal information: first name, paternal last name, maternal last name, Social Security number, date of birth, telephone number, email, residential address, mailing address, account number, type of account, and the type of ATH® card you want to request. Then press Continue.
13. Lastly, check your personal and account information; if correct, press Apply. Done! You have requested a replacement for the ATH® card. You should receive the new card in approximately 10 business days. After receiving the new card, you must:
    • Activate it immediately. Learn how here.
    • Assign a PIN through Mi Banco Online or visit a branch.
    • Update scheduled payments with other payees.
    • Update your information in ATH Móvil. Learn how here.
    • Destroy your current card as soon as you activate the new card.

1. To report a lost or stolen ATH® debit card from an Android device, the Mi Banco Mobile application must be installed on the device, and you must be enrolled. Once the application is installed, press Log In and then enter the security parameters: username, security question or two-step verification code (if required), and password.
2. Once you access your profile, press the Menu button on the upper left side (three horizontal lines).
3. In the menu, press on the Go to Desktop Version option.
4. After accessing your profile in the desktop version, in the menu on the left side of the screen, select Account Services to report the lost or stolen ATH® card.
5. In the ATH® Card section, click on the plus sign (+) that appears next to the Report your ATH® Lost or Stolen option.
6. Select the account associated with the lost or stolen ATH® card.
7. Select the lost or stolen ATH® card that you want to report.
8. Select the reason for reporting the ATH® card (Lost or Stolen).
9. Enter the Merchant/ATM Location, City and Date of the last transaction.
10. If you notified the Police, enter the Place of Notification, Dispute Number, and Date of Notification.
11. Press Send to confirm the report of the lost or stolen ATH® card. Done! You have reported the lost or stolen ATH® card.
12. To request a replacement ATH® card, please click on the Request a new ATH® card option in that same ATH® Card section.
13. Once you are redirected to the page showing the ATH® card’s information, press the Apply Now button.
14. Enter your personal information: first name, paternal last name, maternal last name, Social Security number, date of birth, telephone number, email, residential address, mailing address, account number, type of account, and the type of ATH® card you want to request. Then press Continue.
15. Lastly, check your personal and account information; if correct, press Apply. Done! You have requested a replacement for the ATH® card. You should receive the new card in approximately 10 business days. After receiving the new card, you must:
    • Activate it immediately. Learn how here.
    • Assign a PIN through Mi Banco Online or visit a branch.
    • Update scheduled payments with other payees.
    • Update your information in ATH Móvil. Learn how here.
    • Destroy your current card as soon as you activate the new card.

1. To report a lost or stolen ATH® debit card from an iOS device, the Mi Banco Mobile application must be installed on the device, and you must be enrolled. Once the application is installed, enter the security parameters: username, security question or two-step verification code (if required), and password. Then press Sign In.
2. Once you access your profile, press the More button at the bottom right of the screen.
3. On the menu, press the Go to Desktop Versio option.
4. After accessing your profile in the desktop version, in the menu on the left side of the screen, select Account Services to report the lost or stolen ATH® card.
5. In the ATH® Card section, click on the plus sign (+) that appears next to the Report your ATH® Lost or Stolen option.
6. Select the account associated with the lost or stolen ATH® card.
7. Select the lost or stolen ATH® card that you want to report.
8. Select the reason for reporting the ATH® card (Lost or Stolen).
9. Enter the Merchant/ATM Location, City and Date of the last transaction.
10. If you notified the Police, enter the Place of Notification, Dispute Number, and Date of Notification.
11. Press Send to confirm the report of the lost or stolen ATH® card. Done! You have reported the lost or stolen ATH® card.
12. To request a replacement ATH® card, please click on the Request a new ATH® card option in that same ATH® Card section.
13. Once you are redirected to the page showing the ATH® card’s information, press the Apply Now button.
14. Enter your personal information: first name, paternal last name, maternal last name, Social Security number, date of birth, telephone number, email, residential address, mailing address, account number, type of account, and the type of ATH® card you want to request. Then press Continue.
15. Lastly, check your personal and account information; if correct, press Apply. Done! You have requested a replacement for the ATH® card. You should receive the new card in approximately 10 business days. After receiving the new card, you must:
    • Activate it immediately. Learn how here.
    • Assign a PIN through Mi Banco Online or visit a branch.
    • Update scheduled payments with other payees.
    • Update your information in ATH Móvil. Learn how here.
    • Destroy your current card as soon as you activate the new card.

1. First, the Mi Banco Mobile application must be installed on the device, and you must be enrolled. Once the application is installed, enter the security parameters: username, security question or two-step verification code (if required), and password. Then press Sign In. To have the best experience and enjoy the new services in Mi Banco, remember to update your phone’s operating system and the Mi Banco Mobile application. If you have an iOS device: If you have an Android device:
2. Once you access your profile, select the deposit account.
3. If you have an iOS device: Press the Services button in the upper left side of the screen. If you have an Android device: Press the Services button in the upper right side of the screen (three vertical dots).
4. In the list of available services, select the option Report your ATH® debit card Lost or Stolen
5. Complete the requested information
6. Review the information and press the Report button. Done! You have reported your debit card as lost or stolen.

1. After downloading Mi Banco application to your iOS device, click Enrollment to begin the process.
2. Enter your personal information: first name, last name, mothers maiden name, email address, date of birth, Social Security number and security code. The system will ask what motivated you to enroll. When finished, and after verifying that the information is correct, select Next.
3. Once the personal information has been entered, the system will ask your primary account information. If using your deposit account, enter: 9-digit account number, card number and card PIN number. If using your credit card, enter: credit card number, expiration date, security code and zip code. If using your mortgage or car loan, enter: loan number, year of origination and monthly payment.
4. Enter the Username that you will be using for your profile. It should consist of letters and numbers only, between 8 to 20 characters. To confirm that you may use the username you entered, click the Check availability button. If the username entered is not available, the system will provide other options to choose from. To assign a password, choose one that is between 8 to 15 characters. A combination of letters, numbers and a capital letter is required for the password. Once you have confirmed this, click Next.
5. Choose three (3) security questions, answer them and confirm each answer. Click Next. Answers are not case sensitive.
6. Once you have all information documented, read the Terms and Conditions of Mi Banco and Internet Banking Service. Select the I Accept box and then click Send. You are all set! You now have access to your online banking.

1. After downloading Mi Banco application to your Android device, press Enroll to begin the process.
2. Enter your personal information: first name, last name, mothers maiden name, email address, date of birth, Social Security number and security code. The system will ask what motivated you to enroll. When finished and after verifying that the information is correct, click Next.
3. Once the personal information has been entered, the system will ask your primary account information. If using your deposit account, enter: 9-digit account number, card number and card PIN number. If using your credit card, enter: credit card number, expiration date, security code and zip code. If using your mortgage or car loan, enter: loan number, year of origination and monthly payment.
4. Enter the Username that you will be using for your profile. It should consist of letters and numbers only, between 8 to 20 characters. To confirm that you may use the username you entered, click the Check availability button. If the username you entered is not available, the system will provide other options to choose from. To assign a password, use one that is between 8 to 15 characters. A combination of letters, numbers and a capital letter is required for the password. Once this is confirmed, select Next.
5. Choose three (3) security questions, answer them and confirm each answer. Click Next. Answers are not case sensitive.
6. Once you have all information documented, read the Terms and Conditions of Mi Banco and Internet Banking Service. Select the I Accept box and then click Send. You are all set! You now have access to your online banking.

1. To enroll with Mi Banco using the web version, go to https://www.bancopopular.com/cibp-web/actions/login?lang=en and click Enroll now!
2. Enter your personal information: first name, last name, mothers maiden name, email address, date of birth, Social Security number and security code. The system will ask what motivated you to enroll. When finished, and after verifying that the information is correct, select Next.
3. Once the personal information has been entered, the system will ask your primary account information. If using your deposit account, enter: 9-digit account number, card number and card PIN number. If using your credit card, enter: credit card number, expiration date, security code and zip code. If using your mortgage or car loan, enter: loan number, year of origination and monthly payment.
4. Enter the Username that you will be using for your profile. It should consist of letters and numbers only, between 8 to 20 characters. To confirm that you may use the username entered, click the Check Availability! button. If the username you entered is not available, the system will provide other options to choose from. To assign the password, choose one that is between 8 to 15 characters. A combination of letters, numbers and a capital letter is required for the password. Once you have confirmed this, select Next.
5. Choose three (3) security questions, answer them and confirm each answer. Click Next. Answers are not case sensitive.
6. Once you have all information documented, read the Terms and Conditions of Mi Banco and Internet Banking Service. Select the I Accept box and then click Submit. You are all set! You now have access to your online banking.

1. To recover your Username, click Forgot Username? option.
2. The system will ask for the email address you used to enroll in Mi Banco, and to confirm it in the space provided. IMPORTANT: The email address you enter must be the same you used to enroll in Mi Banco. If you have changed that email address, use the most recent. If you do not remember the email address, contact TeleBanco Popular®.
3. Once you have entered the email address, you will see a message on the screen confirming that the recovery link has been sent to your email. IMPORTANT: Check all email inboxes: Main, Spam and Junk email. If you do not receive the email, click Request new link.
4. Once you receive the email from Mi Banco, press Click Here. IMPORTANT: Many providers group messages with the same address and title. It is important that you check the date and time of the email to ensure that it is the most recent.
5. Fill in the requested information: Social Security number, date of birth and press Next.
6. Enter the number of the primary account (with which you registered the profile) and the personal identification number (PIN) of the card.
7. On the screen, you will see the username of your Mi Banco profile. We recommend writing it down and storing it in a safe place. Click Log in and access your online banking. If you have Mi Banco Alerts activated, you will receive a notification with the change.

1. To recover your username, click Forgot your username?.
2. The system will ask for the email address you used to enroll in Mi Banco, and to confirm it in the space provided. IMPORTANT: The email address you enter must be the same you used to enroll in Mi Banco. If you have changed that email address, use the most recent. If you do not remember the email address, contact TeleBanco Popular®.
3. Once you have entered the email address, you will see a message on the screen confirming that the recovery link has been sent to your email. IMPORTANT: Check all email inboxes: Main, Spam and Junk email. If you do not receive the email, click Request new link.
4. Once you receive the email from Mi Banco, press Click Here. IMPORTANT: Many providers group messages with the same address and title. It is important that you check the date and time of the email to ensure that it is the most recent.
5. Indicate which option you will use for this process. If you have Mi Banco application, we recommend that you select this option and click Set to always open.
6. Fill in the requested information: Social Security number, date of birth and click Next.
7. Enter the number of the primary account (with which you registered your profile) and the personal identification number (PIN) of the card. Click Next.
8. On the screen, you will see the username of your Mi Banco profile. We recommend writing it down and storing it in a safe place. Click Log in and access your online banking. If you have Mi Banco Alerts activated, you will receive a notification with the change.

1. To recover your username with the web version of Mi Banco, go to www.bancopopular.com and click Forgot your username?
2. The system will ask for the email address you used to enroll in Mi Banco, and to confirm it in the space provided. IMPORTANT: The email address you enter must be the same you used to enroll in Mi Banco. If you have changed that email address, use the most recent. If you do not remember the email address, contact TeleBanco Popular®.
3. Once you have entered the email address, you will see a message on the screen confirming that the recovery link has been sent to your email. IMPORTANT: Check all email inboxes: Main, Spam and Junk email. If you do not receive the email, click Request new link.
4. Once you receive the email from Mi Banco, press Click Here. IMPORTANT: Many providers group messages with the same address and title. It is important that you check the date and time of the email to ensure that it is the most recent.
5. Fill in the requested information: Social Security number, date of birth and click Next.
6. Enter the number of the primary account (with which you registered your profile) and the personal identification number (PIN) of the card. Click Next.
7. On the screen, you will see the username of your Mi Banco profile. We recommend writing it down and storing it in a safe place. Click Log in and access your online banking. Si tienes Mi Banco Alertas activado, estarás recibiendo una notificación con el cambio.

1. If you have an iPhone, access the App Store and if you have an Android, access Google Play Store. Search for Mi Banco Mobile app and press Update.
2. Once updated, access Mi Banco app. If you have an Android, press the menu on the upper left and select Settings and if you have an iPhone, press the Menu option on the section below.
3. Press Edit e-mail.
4. The screen will show you the email registered in our systems. If you want to update your email, you must include it in the spaces provided.
5. Done! You will receive communications to the new email registered. If you are enrolled in Mi Banco Alerts, you will also receive notifications to the registered email.

1. To edit the email address, first log in to Mi Banco Online at www.bancopopular.com. Enter the security parameters: username, security question or two-step verification code (if required) and password. Press Log in.
2. Once you have accessed your profile, click My Information from the menu on the left to change the email address.
3. In the Contact Information section, click the plus sign (+) to select the Edit email option. Enter and confirm your new email. Remember to verify that the information and format are correct. For example: gmail, hotmail, yahoo, outlook, etc. Then click Send.
4. You are all set! If you have Mi Banco Alerts activated, you will be receiving a notification with the change.

1. To edit the phone number, first log in to Mi Banco Online at www.bancopopular.com. Enter the security parameters: username, security question or two-step verification code (if required) and password. Click Log in.
2. Once you access your profile, select My Information from the menu on the left to change the phone number.
3. In the Contact Information section, click the plus sign (+) to select the Edit phones numbers option.
4. Enter and confirm your new phone number. Once you verify that the number is correct, press Send to confirm the change. You are all set! If you have Mi Banco Alerts activated, you will be receiving a notification with the change.

1. Log in to Internet Banking.
2. Select My information.
3. Under Connection Information, choose Edit Secret Questions.
4. Select your new questions and answers. Confirm and click Submit.

1. Log in to Internet Banking.
2. Select Edit Accounts. You will see a list of your related accounts with Banco Popular.
3. Add a check mark next to the accounts that you want to see in Internet Banking. Remove the check mark from those accounts you do not want to see.

Internet Banking offers you three options to add new payees:

• Search for common payees
• Search for other payees
• Add non-affiliated merchants or payees

To find and add merchants from the common payees list:

1. Access Internet Banking with your connection parameters.
2. In the Payments section select Add Payees.
3. Under the section titled Search for common payees you will see categories such as utilities, cable TV and satellite, wireless companies and others. Click on any category and look at the list of merchants under it. If you find the one you're looking for, click on its name.
4. The next page will ask you to enter your account number with the payee, a short name and to decide if you want to receive e-bills from that merchant. Fill the information and click on Add Payee.

To find and add merchants by name:

1. Access Internet Banking with your connection parameters.
2. In the Payments section select Add Payees.
3. To find out if the payee is affiliated to our electronic payment service, enter its name in the Search other payees box.
4. If the payee is affiliated, its name will appear in a list below this box. Click on the payee's name. The next page will ask you to enter your account number with that payee and to assign it a short name. Click on Add payee.

To add merchants or payees that are not affiliated to the electronic payment service:

1. Access Internet Banking with your connection parameters.
2. In the Payments section select Add Payees.
3. If the payee does not appear on the list, on the box labeled Can't find a payee? click Learn more. Internet Banking will ask your to enter the merchant's information, such as payee name, payment mailing address, payee phone number and account number. The account number should be assigned by the merchant to identify you as a customer.

If the merchant does not appear in our predetermined list, it means that it is not affiliated to our electronic payment service. Thus, they will be paid with an official check sent through regular mail. Make sure that the mailing address is verified by the merchant and to send the payment at least 10 business days before due date.

It's simple to process a payment through Internet Banking:

1. Access Internet Banking with your connection parameters.
2. Click on Make Payments from the left margin menu.
3. The system will first show you the Frequent Payments. If the payee is not included in this list, select it from Other Payees. Enter the payment date, the amount and the frequency.
4. At the bottom of the page, select the account that you would like to use to process the payment and click on Pay.
5. Verify your payment information and click Pay. Internet Banking will process the payment and provide you a reference number.

In order to cancel a scheduled payment:

1. Click on Payments Receipts from the left margin menu.
2. In the In process payments section, choose the payment that you would like to cancel by clicking on the Delete icon (trash can).
3. Confirm that you want to delete the payment by clicking Yes, and then the system will confirm that the payment was deleted.

Follow these simple steps to edit your In Process Payments.

1. Access your Internet Banking profile and click on Payment Receipts from the left margin menu of the main screen.
2. To modify the payment amount and/or payment date, click on the payment amount or date, modify the information and click OK to confirm it. Edit any information before 5:00 p.m. to register it on time and your payments won’t be affected.

Reserve lines offer you an option to cover overdrafts in your checking or transaction accounts. They are available for the following accounts:

• e-account
• Acceso Popular
• Cuenta Popular
• MultiCuenta Popular
• Private Management Account

If you activate a reserve line, a minimum monthly payment will be computed and debited from the account to which it is linked. If you want to make payments to your reserve line, you may call TelePago Popular at (787) 724-3652 or connect to My Online Bank.

To add your reserve line to your list of payees:

1. Choose Add Payees from the left margin under Payments.
2. From the list, click on Credit Cards or Line of Credit option.
3. 3. From the list of options choose Banco Popular Credit Lines, then Reserve (BPPR, BVI, USVI).
4. Enter the information requested, then a nickname for you to remember (ex. apartment, second house). Please use 20 characters or less (no accents).
5. Once you add the payee, you will be able to make your payments through Internet Banking.

Banco Popular allows you to transfer funds among Banco Popular accounts and other designated accounts. Transfers are processed on business days (from Monday to Friday), except on federal holidays. Although the bank opens some of its branches on Saturdays, Sundays and holidays, these are not considered business days. Any transfer request received at 5:00 p.m. or before, any business day, will be processed the same day it is received. If your instructions are received after that time or during a non-business day, it will be processed the next business day. Nevertheless, depending on the nature of the transaction, funds could be available immediately.

To transfer funds between your accounts using My Online Bank:

1. Log in to My Online Bank with your connection parameters.
2. On the left column, under Transfers, click on Make Transfers.
3. Choose the transfer you need to make from Frequent Transfers or Transfers between other accounts. Select FROM: ACCOUNT, TO: ACCOUNT, EFFECTIVE DATE, AMOUNT and FREQUENCY.
4. Click Next.
5. On the next page verify that the submitted information is correct, and then click Transfer. When the transfer is completed, you will receive a transfer confirmation with a reference number.

1. To enroll in the free e-Statement service and start receiving electronic account statements, the Mi Banco Mobile app must be installed on your device, and you must be enrolled. Once the app is installed, press Sign In and then enter the security parameters: username, security question or two-step verification code (if required), and password.

   If you have an iOS device:

   If you have an Android device:

2. If you have an iOS device:

   Once you access your profile, press the menu button called More at the bottom right of the screen.

   If you have an Android device:

   Once you access your profile, press the Menu button at the top left of the screen (three horizontal lines).

3. On the menu, press the Go to Desktop Version option.

   If you have an iOS device:

   If you have an Android device:

4. After accessing your profile in the desktop version, in the menu on the left side of the screen, select Account Services.
5. In the Account Statements section, click on the Activate e-Statements option.
6. Select the bank account where you want to receive e-Statements instead of paper statements and press the Deactivated option that appears in the e-Bill/e-Statement column.
7. To update the email address where you will receive your e-Statement, select Edit.
8. Enter and confirm the e-mail.
9. Last, press the Activate button. Done, you’re now enrolled in e-Statements! You will receive an email notification every month when your statement is available. Your e-statement will present the same details as your account statement and best of all, it will be available in Mi Banco before you receive it by regular mail. From enrollment, you’ll be able to access 18 months of statements. You’ll also be able to download and save them.

1. To enroll in e-Statement, log into Mi Banco Online at www.bancopopular.com. Enter the security parameters: username, security question or two-step verification code (if required), and password. Then press Log In. If you have not registered in Mi Banco yet, click on “Enroll Now!” and fill in the requested information.
2. After accessing your profile in the desktop version, in the menu on the left side of the screen, select Account Services.
3. In the Account Statements section, click the Activate e-Statements option.
4. Select the bank account where you want to receive e-Statements instead of paper statements and press the Deactivated option that appears in the e-Bill/e-Statement column.
5. To update the email address where you will receive your e-Statements, select Edit.
6. Enter and confirm the e-mail.
7. Last, press the Activate button. Done, you’re now enrolled in e-Statements! You will receive an email notification every month when your statement is available. Your e-statement will present the same details as your account statement and best of all, it will be available in Mi Banco before you receive it by regular mail. From enrollment, you’ll be able to access 18 months of statements. You’ll also be able to download and save them.

You can retrieve and print your account statements of the last 18 months through My Online Banking --free!-- when you sign up for the e-Statements service. If you need photocopies of your statements, follow these steps:

1. Access Internet Banking using your connection parameters. Click on Account Services on the left hand menu.
2. Click on Request Statement Copy.
3. In the Account drop-down menu, choose the account.
4. In the Statements drop-down menu, choose the date of the statement you want to receive.
5. Check the box that states: I accept the charges. $5.00 per page. Click Send. You can also request photocopies by calling TeleBanco Popular at (787) 724-3659 or toll-free at 1-888-724-3659.

If you cannot see check images in your account statements through My Online Banking, follow these suggestions:

1. Verify that your computer has the Java software. If not, download it for free at: www.java.com.
2. Once you have done that, please Delete Cookies from your computer:

Internet Explorer:

1. Click Tools, Internet option, Delete Cookies.
2. Erase the Temporary Internet Files in Settings, View Files, then click TOOL BAR: Edit, Select all and then Delete.
3. Close and start a new browsing session. Access www.popular.com and verify check images.

Firefox:

1. Click Tools, Options.
2. Select Privacy, click Show cookies and click Remove cookies or Remove all cookies. Then click Close.
3. Close and start a new browsing session. Access www.popular.com and verify the check images.

Safari:

1. Click on the Safari name located at the upper left menu.
2. Click on Block Pop-Up Windows. The browser should allow you to remove or place the Pop-Up Blocker.
3. Click on the Safari name at the upper left menu to delete cache and cookies. Click Reset Safari and select with a check mark Empty the cache and Remove all cookies; click Reset.
3. If your computer has a POP-UP BLOCKER installed, this application can disable the page from showing additional Internet pages.
4. We recommend you to have the latest version of your Internet browser.
5. If you are trying to access Internet Banking from your office computer, security restrictions that may not allow you to access the site. If the situation persists after updating the settings of your browser, please e-mail us again with the error message so we can refer it to our Programming Department.

To sign up for the e-Bills service, follow these steps:

1. Login to My Online Bank.
2. Select Edit Payees
3. Choose the payee and select Yes on the Do you want to receive e-Bills for this payee? option.
4. Verify your email address and click on the Activate e-Bill option.

If you haven’t added your payees through TelePago Popular® or My Online Bank:

1. Click on the Add Payees section on the left side menu.
2. Look for the desired business
3. Enter your account number as in your Bill
4. Assign a preferred name for easier differentiation (optional.)
5. Activate e-Bill

All set! Start enjoying the benefits of receiving and paying your bills online.

Internet Banking shows the current account transaction history and the prior 18 account statements. To view transactions from the available statements:

1. Access Internet Banking with your connection parameters.
2. Select the account you wish to verify. The system will show the current transactions.
3. To view transactions from previous statements, go to See Transactions and select the date of the statement.

You may also verify transactions by clicking on Account Statements in the left column. Choose the account on See Accounts and choose the date of the statement on See transactions.

• What is the ON / OFF service?

  It is a function that allows customers to have their debit cards temporarily locked (turned OFF) via Mi Banco Mobile. The OFF mode rejects transactions attempted with the physical (plastic) card.

• Who can use this service?

  The service can be used by the owner, signatory or guardian of a deposit account that includes a debit card and who is enrolled in the Mi Banco Mobile app. If you have not enrolled in Mi Banco, please enroll here and download the mobile app so you can use this service.

  Certain exclusions apply. For more details, visit the terms and conditions section of Mi Banco.

• What happens when I lock my card (turn OFF)?

  You won’t be able to make new purchases, use Samsung Pay or Android Pay, or make cash withdrawals with your debit card. To use your card again, you must unlock it (turn it ON) in the Mi Banco Mobile app.

  Payments and transfers made through Mi Banco or the TelePago Popular® channel will not be affected, even if you have locked your card (turned OFF).

  Also, scheduled payments and transfers using your card (like subscriptions, for example) will be processed even if your card is locked.

  Note: Remember that you are responsible for making payments even when your card is locked (turned OFF). In the case of recurring payments, you must check with the payee and verify if the transaction successfully went through.

  If the card is locked, you can still conduct transactions using the Mobile Easy Deposit, Retiro Móvil and ATH Móvil services. The Add card in ATH Móvil and enrollment to Mi Banco functions will not be available.

• Which transactions are still permitted after I activated the option to lock (turn OFF) my card?

  If you have temporarily locked (turned OFF) your card:

  • Automatic deposits and recurring or pre-authorized payments will not be affected.
  • You will be able to withdraw at ATMs through Mobile Withdrawal and deposit using Mobile Easy Deposit. Both services are available in Mi Banco Mobile app.
  • To continue to make purchases or withdrawals with your card, remember to unlock it again in Mi Banco Mobile app.
  • If your card was already registered, you will be able to use ATH Móvil. If you have lost your card, call 787-724-3659 or 1-888-724-3659 to cancel it.
• At what point should I lock (turn OFF) my card?

  You should lock your card if you can’t find it temporarily, but believe you will be able to recover it. However, this service does not substitute your duty to notify the bank and report the card in case it is lost or stolen, to prevent unauthorized usage on your account.

• How many cards can I lock (turn OFF) at the same time?

  There is no limit; you can turn off all the cards you have available.

• Is there any cost for using the service?

  This service is free for all customers who are enrolled in Mi Banco Mobile.

• Will recurring payments be made even if my card is locked (turned OFF)?

  Yes, scheduled or periodically programmed (daily, monthly, or yearly) payments will remain and will not be affected while your card is locked.

  Note: In case of recurring payments, you must check with the payee and verify if the transaction successfully went through.

• Which cards am I able to lock (turn OFF)?

  You can lock all debit cards you have registered for the ON / OFF service.

  Certain exclusions apply. For more details, visit the terms and conditions section of Mi Banco.

• Does the ON / OFF service work immediately?

  Yes, the ON / OFF service works instantly when you turn your card on or off.

• By locking my card (turning it OFF), am I blocking my checking and/or savings account?

  Locking your card only prevents you from making eligible transactions with the card; your checking and/or savings account will remain active.

• In the case of accounts featuring more than one signatory, if one signatory decides to lock (turn OFF) their card, can the remaining account signatories continue using their cards?

  Yes, the remaining signatories can continue using their cards as usual, as long as those other cards have not been locked.

• What types of alerts will I receive every time I lock or unlock the card?

  You will receive an email every time you unlock or lock your card. To activate other types of alerts such as Push Notifications, you must be registered in the Mi Banco Mobile app.

• I have an account with more than one card. Can I lock (turn OFF) just one of them?

  Yes, you can lock the cards you want. If you lock one card, the rest will remain unlocked (turned ON).

• What should I do if my card is lost or stolen, or if I see fraudulent transactions?

  You should immediately call TeleBanco Popular® at 787-724-3659 or 1-888-724-3659 to report the situation and cancel the card. This way you will prevent unauthorized transactions.

• Can I request a replacement card while my card is locked (turned OFF)?

  Yes, you can request a replacement card while your card is locked. Once you receive your new card:

  1. Activate it through Mi Banco Online or at the nearest branch.
  2. On the Mi Banco Mobile app, select the account linked to your card, access the ON/OFF section, and press the ON button. This is necessary because your replacement card will initially appear as locked (turned OFF) since the previous card already was.
• What happens if my card is locked (turned OFF) and I receive a new card because it was renewed?

  Your new card will arrive with the same status (ON / OFF) that your previous card had. If your old card was locked and want to use it again: open the Mi Banco Mobile app, go to your profile and then to the section where your cards appear. Press the ON button to unlock it.

• If my mobile phone was stolen, what options do I have to unlock (turn ON) my cards?

  You can call TeleBanco Popular® at 787-724-3659 or 1-888-724-3659 or visit any of our branches and one of our representatives will gladly assist you.

• How long can my card remain locked (turned OFF)?

  The OFF option should be used temporarily. If you are unable to locate your card you should immediately report it lost or stolen. Still, your card will remain locked until you decide to unlock it with the ON button or you report your card lost or stolen. If your account turns inactive, the card will be automatically cancelled. For more information, please refer to your checking or savings account’s contract.

• When should I report my lost or stolen card?

  If you think your card is lost, report it immediately. Call TeleBanco Popular® at 787-724-3659 or 1-888-724-3659. When you report your lost or stolen card, we will cancel it and issue a new card with a new number.

Overdraft fee practices

• 1. What is the difference between a fee for returned transaction and a fee for paid transaction due to insufficient funds?
  • Fee for returned transaction: Occurs when you don’t have enough funds in your account to cover a transaction and Banco Popular rejects or returns the transaction. Since August 26, 2022, Banco Popular is not charging fees for returned transactions (previously, the charge was $15).
  • Fee for paid transactions: Occurs when you don’t have enough money in your account to cover a transaction, and Banco Popular decides to pay it. Since August 26, 2022, paid transactions of $5 or less have no fee (previously a $15 fee was charged to your account). For transactions of more than $5, the $15 fee will continue to be applied, up to a maximum of $75 or 5 transactions per day. Banco Popular covers overdrafts at its discretion, which means that we do not guarantee that we will authorize and pay any type of transaction. If we don’t authorize and pay an overdraft, the transaction will be returned. For more information about individual deposit accounts, you can review your account disclosure at popular.com/en/accounts/.
• 2. What overdraft options do I have?
  1. Standard Overdraft This service is included with the account and does not require your consent. Checks and electronic transactions (TelePago Popular® and/or Electronic Debits): We reserve the right to authorize and pay overdrafts for checks and other transactions made using your account number, and/or preauthorized bill payments. Whether Banco Popular pays the overdraft is a discretionary decision that depends on several factors, including the amount and type of transaction and the past activity in your account. If Banco Popular decides to pay the overdraft, your account will be subject to an overdraft fee ($15) per paid transaction and a negative balance will be reflected. Since August 26, 2022, paid transactions of $5 or less have no charge. Banco Popular does not guarantee that it will authorize and pay any type of transaction. If we don’t authorize and pay an overdraft, your transaction will be returned. Banco Popular typically does not authorize overdrafts if your account does not receive regular deposits, or your account has reflected overdrafts in the past. ATM and everyday debit card transactions: Our Standard Overdraft Practice does not authorize nor pay overdrafts for ATM and everyday debit card transactions unless you request it. For more information, you can review your account disclosure at popular.com/en/accounts/.
  2. Overdraft Service for ATM and everyday debit card transactions This option applies only when you request that Banco Popular authorize and pay overdrafts for transactions made at ATMs and/or everyday debit card transactions. To authorize or enroll, you must complete a Consent for Overdraft Service form. You can do this by logging in to Mi Banco Mobile app. On the menu, select “Go to desktop version,” under “Accounts” select “Account Services,” choose the accounts that you want to authorize and press “Submit.” You can also download the form by clicking here and deliver it to the nearest branch, or mail the form to Banco Popular, Customer Management Support (649), PO Box 362708, San Juan, PR 00936-2708. Even if you enroll in the Overdraft Service, Banco Popular still reserves the right to authorize or decline the transaction. If we pay the relevant transaction, we will charge a $15 overdraft fee for everyday debit card and ATM transactions of $5 or more paid against insufficient funds. Since August 26, 2022, paid transactions of $5 or less have no charge. Incurring fees will reduce the amount of overdraft coverage available to you. If you have not agreed to this service (that is, if you do not enroll), then these transactions will be declined for insufficient funds, and we will not charge an overdraft fee. You may revoke your consent to enroll for Overdraft Service for ATMs and everyday debit card transactions at any time through Mi Banco Mobile under “Go to Desktop Version”. You can also visit your local branch, call 787-724-3659 or mail your request to Banco Popular, Customer Management Support (649), P.O. Box 362708, San Juan, PR 00936-2708.
• 3. How can I avoid an overdraft fee?
  • Activate Mi Banco Alerts1 service to receive a push notification, text message or email of your balance.
  • Check the available balance of your account 24/7 through Mi Banco, the automated line of TeleBanco Popular® at 787.724.3659 or through an ATM.
  • Transfer money between your accounts with Mi Banco Online and Mi Banco Mobile.
  • Request a Reserve Line of Credit.2

  1 Charges may apply for text messages or data excess in conformity with to your cell service plan. Check with your service provider to find out more about your plan.

  2 Subject to credit approval. A 17.99% APR is fixed.

• 4. What accounts have other services to avoid overdrafts?
  • Cuenta Popular - An affordable account with no overdraft fees. The first account in Puerto Rico that meets the national standards of the Bank On program for convenient and moderate-cost accounts.
  • Acceso Popular and Acceso Universitario – When making purchases and withdrawals at ATMs, these accounts combine the balance of the checking section and the savings section to authorize the transaction. If you don’t have enough balance in the checking section, but you have enough balance in the savings section to cover the transaction, Banco Popular authorizes it. Once authorized, the account transfers the amount from the savings to the checking section. This service has no cost.
  • MultiCuenta Popular – This account have the Guaranteed Reserve with Savings. When you make your purchases and withdrawals at an ATM, the account combines the balance of the checking section and the savings section to authorize the transaction. If you don’t have enough funds in the checking section, but have a balance in the savings section to cover the transaction, Banco Popular authorizes it. Once authorized, the amount transferred from savings is withheld (creates a hold) and automatically activates a reserve to cover overdrafts in the checking section. This guaranteed reserve with savings does not require credit approval. Banco Popular charges 5% APR above the interest rate on savings section for this service. For more information about the Guaranteed Reserved with Savings, access the Deposit Account Agreement here.
• 5. Where can I find the available balance of my account?
  • Access Mi Banco from your cellphone, tablet, or computer (must be registered).
  • Through our ATMs around the island.
  • By calling TeleBanco Popular® automated line at 787-724-3659

  These channels will display the most updated balance information we have in our systems. Transactions in process authorized by you could affect the available balance.

Bank On and Cuenta Popular®

• What is Bank On?

  Bank On is a program of the Cities for Financial Empowerment Fund (CFE) and its mission is to ensure families can obtain affordable, convenient, and moderate-cost accounts. For a financial institution to obtain Bank On certification, the account must meet certain standards to make sure it is accessible to consumers. For more information about Bank On, click here.

• What is the Bank On National Accounts Standards guide?

  It’s a guide offered by the Cities for Financial Empowerment Fund (CFE) that provides specific advice on the requirements that financial institutions must meet to certify an account within the Bank On program. Click here to review the guide.

• Which account is offered by Banco Popular under the Bank On program?

  Banco Popular is offering the Cuenta Popular® checking account.

• What did Banco Popular do to certify its Cuenta Popular® under the Bank On program?

  We eliminated charges related to the overdraft policy and for inactivity in the Cuenta Popular® account.

  Changes to the Cuenta Popular® account:

  Charge type Previously Currently Overdraft 1 $15 $0 Overdraft maintenance 1 $5 $0 Inactivity 2 $10 $0
• When did the changes made to the Cuenta Popular® become effective?

  Changes were effective on November 1, 2021.

• Are there any special requirements to open a Cuenta Popular® account?

  You only need to be 18 years or older and provide valid and current identification with evidence of having Social Security.

1 Cuenta Popular® will not have any fees associated with overdraft, insufficient funds or unavailable funds. Likewise, the Overdraft Policies of Banco Popular de Puerto Rico will not apply to, nor will they be available for the Cuenta Popular® account. This means that we will decline and return as unpaid those transactions for which you do not have sufficient funds in your account. Although the Cuenta Popular® account will not allow you to overdraw your account in most cases, it is possible for your account to have a negative balance; however, in those cases, we will not charge you overdraft fees. This could occur, for example, when you authorize a payment with your debit card for an amount less than the amount received by the bank for your payment (for example, the added tip for a payment at a restaurant).

2 If you do not make transactions in your deposit account, inactivity charges will not be applied. However, the inactivity period will remain in place, thus it is important that you continue making transactions to your account in order to avoid its status changing to inactive and your money being remitted to the Commissioner of Financial Institutions (OCIF, by its Spanish acronym), in accordance with the applicable laws and regulations. As a reminder, if you do not make any transactions in a 6-month period, your account will be considered inactive.

Deposit Checks If the amount deposited or the check does not match the receipt, contact TeleBanco Popular ® at 787.724.3650 or visit a branch officer to confirm the amount of your transaction.

Cash Deposit Before processing and printing the cash deposit receipt, the ATM will validate the amount to be deposited. The deposit will not be processed without your confirmation that the deposit amount is correct.

The bank routing number will allow other authorized establishments to debit or credit your account electronically, with your authorization. The routing number for Banco Popular of Puerto Rico is: 021502011

This number will be required by the merchants you authorize to make automatic debits from your account.

The Availability of Funds and Collection of Checks (Regulation CC) of the Federal Reserve Bank requires banks to make deposited funds available to the depositor within certain established periods of time. Depending on the type of deposit, the funds may be available for withdrawal the same day, the next business day, or after several days after the date of deposit; in most cases the longest delay is up to the seventh business day after the date of deposit. During the delay period (if any), depositors may not withdraw the funds in cash and the Bank will not use the funds to process payment orders issued by the depositor.

Banco Popular sets the limits of the availability of funds according with the minimum amounts required by the Regulation CC. Nevertheless, periodically the bank will evaluate certain criteria and may grant higher availability of funds than the limit established by the Regulation.

For more details related to the availability of funds, access our Availability of Funds Policy. If you need additional information, you may visit any of our branches or contact TeleBanco Popular at (787) 724-3659 or 1 (888) 724-3659, available 24 hours, seven days a week.

To verify in process payments or payment receipts:

1. Access your Internet Banking profile and click on Payment Receipts from the left margin menu.
2. The Payment Receipt screen will show you in process payments on the top section; below it will show the last 15 payments sent.

Payment Receipts will show your payment history from the last 13 months. It also allows you to search payments by payee or by month.

The amount you pay in taxes will be reduced when you open an IRA account depending on the amount of the contribution and your tax rate range. The following table presents several examples:

Yes. The penalty does not apply if the disbursement is made:

• as a consequence of death, disability, due to a severe, chronic, degenerative, and terminal disease affecting the person or a family member within the fourth degree of consanguinity or second of affinity;
• unemployment of the individual person (as defined in the tax code),
• because the person will use the amount to be disbursed to cover certain expenses relating to the university studies of a direct dependent of the person,
• for purchases or construction of the person’s first main home in Puerto Rico.
• to repair or rebuild the main home that has been affected by fire, hurricane, earthquake or any other natural cause,
• to avoid imminent foreclosure or arrears on the mortgage of the person first main home in Puerto Rico due to the loss of employment or verifiable substantial reduction in income,
• for the purchase of a computer (maximum withdrawal of up to $1,200), for a dependent up to the second degree of consanguinity and who is pursuing studies up to the university level. This withdrawal may be made once every six (6) years.

In addition, the penalty does not apply if the individual transfers the distributed amount to another IRA account (rollover) within 60 days of receiving the disbursement. The Bank will retain any penalties required by the government, unless the individual provides evidence of the deposit at another Institution.

The IRA account of a deceased client is considered part of his remnant estate and it belongs to his heirs from the date of the client’s death. The account is codified as deceased until the account is cancelled, and there will be no cancellation penalties.

To withdraw funds because of death, the required documents are:

• Death Certificate
• Declaration on Heirs or Will (certified by the court, after the death occurs, as being the last one granted by the depositor),
• Letters testamentary certifying the executor's authority, when applicable, and
• Copy of the authorization for the withdrawal of funds, certified by the Department of the Treasury, that includes the following:
  • Tax payment receipt over the estate of the deceased, or
  • Certified copy of the release from the payment of taxes.

Yes, any person can open an IRA as long as the combined total contributions among the plans do not exceed:

The Tax Reform for the taxable year 2011 does not have a combined limit of retirement plans and IRAs. The client can contribute the maximum included in your retirement plan (before taxes) and also contribute $ 5,000 (maximum) per individual IRA account.

A wire transfer is the electronic processing of a payment order received from an originator, to pay a certain amount of money to a beneficiary.

Wire transfers can only be made by clients who have a deposit account with BPPR.

Banco Popular offers the wire transfer service in all its branches for a transmission cost of $25.00 and a commission for outgoing transfers of 1/4 of 1%, $25.00 minimum and $35.00 maximum ($40.00 U.S. Virgin Islands and Tortola) 1. The disclosed charges apply for transactions in the US or foreign countries.

To process the transfer, you will need to provide us the following information about the bank where the funds will be credited:

• Bank's name
• Account Number
• Bank's Routing Number
• Bank's address
• Bank's phone number

For more information, you can contact 24/7 at (787) 724-3659, free of charge. One of our representatives will gladly assist you.

You can also download the Information Guide for Funds Transfer Processing

Checks deposited before 6 p.m. will be processed the same business day. Certain exceptions may apply. For details regarding the availability of funds, please refer to your Deposit Account Agreement.

Banco Popular allows you to transfer funds among Banco Popular accounts and other designated accounts. Transfers are processed on business days (from Monday to Friday), except on federal holidays. Although the bank opens some of its branches on Saturdays, Sundays and holidays, these are not considered business days.

Any transfer request received at 5:00 p.m. or before, any business day, will be processed the same day it is received. If your instructions are received after that time or during a non-business day, it will be processed the next business day. Nevertheless, depending on the nature of the transaction, funds could be available immediately.

To transfer funds between your accounts using My Online Bank:

1. Log in to My Online Bank with your connection parameters.
2. On the left column, under Transfers, click on Make Transfers.
3. Choose the transfer you need to make from Frequent Transfers or Transfers between other accounts. Select FROM: ACCOUNT, TO: ACCOUNT, EFFECTIVE DATE, AMOUNT and FREQUENCY.
4. Click Next.
5. On the next page verify that the submitted information is correct, and then click Transfer. When the transfer is completed, you will receive a transfer confirmation with a reference number.

• Enable the balance alerts on Mi Banco Online. We will notify you when you spend more than your daily budget.
• Text BPPRM (27776) with the name of your account. Register your phone number on the Types of Alerts section. Once we validate your phone number you will be able to text BPPRM (27776) with the “nickname” of your account.
• Connect to Mi Banco Online from your computer.
• Connect to Mi Banco Mobile | Download the iPhone App or the Android App.

401k Retirement Plan Balance in Mi Banco

• 1. Why is there a retirement plan balance in my bank relationships?

  Our records indicate you have a balance in your retirement plan managed by Banco Popular de Puerto Rico. The balance reflected shows the total value of your retirement plan at the closing of the market the previous day and may vary from your vested account balance. If you want to access your account, or need more information, please visit www.popular.com/401k. If you need assistance accessing your account, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times).

• 2. What should I do if the balance of my retirement plan managed by Popular does not appear in the main menu under Retirement Plans?

  Make sure you have the latest version of Mi Banco app. For more information on how to make the update, click here.

• 3. How can I access my retirement account?

  Access your account at www.popular.com/401k. If you need assistance accessing your account, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times).

• 4. Where should I call if the plan balance link does not work?

  If you need assistance, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times). Our service hours are Monday to Friday from 8:00 a.m. to 5:30 p.m.

• 5. What can I do if I forgot my username or password or blocked my www.popular.com/401k account?

  Through TeleBanco Popular® we can help you recover your username or password. Contact us at 787-724-3657 (Press Option 2 three times). Our service hours are Monday to Friday from 8:00 a.m. to 5:30 p.m.

• 6. Where should I call if the “forgot my username or password” link in popular.com/401k does not work?

  Through TeleBanco Popular® we can help you recuperate your username or password. Contact us at 787-724-3657 (Press Option 2 three times). Our service hours are Monday to Friday from 8:00 a.m. to 5:30 p.m.

• 7. If I have more than one retirement plan, why can I only see one relationship in Mi Banco?

  Balances shown in Mi Banco are only those of retirement plans managed by Banco Popular de Puerto Rico. Moreover, only qualified, and non-qualified plans are shown. If you have any questions, contact us at 787-724-3657 (Press Option 2 three times).

• 8. The balance shown is at the closing of which day or what period?

  The balance reflected shows the total value of your retirement plan at the closing of the stock market the previous day and may vary from your vested account balance.

• 9. If I have any question about my balance, what should I do?

  We encourage you to access your account at www.popular.com/401k. If you need assistance to access your account, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times).

• 10. Can I make withdrawals from my retirement plan balance?

  It depends on the stipulations of your retirement plan. To obtain more information, please refer to the Plan Descriptive Summary, or contact the plan administrator, who can provide details of the available options to withdraw funds from your plan.

• 11. Can I make transactions of my 401(k) account through Mi Banco?

  No. Transactions may be made only through the web platform www.popular.com/401k. If you need assistance accessing your account, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times).

• 12. Can I make transfers among my Mi Banco accounts?

  No. The balance of your 401(k)-retirement plan is not transferable and is not considered part of your bank relationships with Popular.

• 13. It appears as if I have a retirement plan balance, but I no longer work for that employer. What should I do?

  You should contact your previous employer if you want to request the funds available to you. If you need assistance accessing your account, please contact TeleBanco Popular® at 787-724-3657 (Press Option 2 three times).

• 14. If I have no access or my account in Mi Banco is blocked, what should I do?

  To recover or reset your Mi Banco user ID or password click here. If you are still having trouble, contact us at 787-724-3655 (Press Option 1).

• 15. Since my retirement plan balance now appears in Mi Banco, can Popular or any other institution start collection efforts against the assets in the plan?

  No. Qualified retirement plans subject to the Employment Retirement Income Security Act of 1971 (ERISA), are protected from any type of claims from creditors against participants or against the employer sponsoring the retirement plan. ERISA states that the funds deposited in a retirement plan cannot be transferred, assigned to others nor be subject to embargo or respond to debt.

• 16. Since my retirement plan balance now appears in Mi Banco, is the information regarding my retirement plan being shared with third parties?

  No. Only you can access it through Mi Banco with your credentials. To recover or reset your Mi Banco user ID or password click here. If you are still having trouble, contact us at 787-724-3655 (Press Option 1).

• 17. Why there is a zero-balance shown for a retirement plan in Mi Banco?

  It can be for one of the following reasons: 1) You are eligible to participate in a retirement plan managed by Popular but you haven’t contributed yet, 2) You were eligible or participated in a retirement plan and your benefits have been paid out or you are no longer entitled to the retirement plan benefit, 3) You participated in a retirement plan which was terminated or transferred to another service provider.

• What is Commercial Credit Card Manager (CCCM)? Commercial Credit Card Manager (CCCM) is an online platform that allows you to manage your business credit cards in an easy and convenient way. For more information click here.
• What benefits does Commercial Credit Card Manager (CCCM) offers?
  • Commercial Credit Card Manager (CCCM) is free of charge and allows cardholders to make payments, view and download transactions and statements from their Banco Popular business credit cards.
  • In addition, administrators will be able to add and cancel cards, adjust credit limits for individual cards, manage temporary credit limits, and request replacement cards. For more information click here.
• How do I apply for the administrator profile in Commercial Credit Card Manager? If you are already registered as a holder and wish to request a profile as an administrator, after completing the registration process through the platform, you can request a change of profile by contacting the Commercial Support Center at 787.756.3939 or 1.855.756.3939. Select option 4.
• How do I sign up for Commercial Credit Card Manager (CCCM)?

  To enroll in Commercial Credit Card Manager (CCCM) you must have a business credit card with Banco Popular and follow these steps:

  1. 1. Visit Commercial Credit Card Manager, and select Not registered?
  2. 2. Enter the 16 card numbers or corporate account number in the Account Number box and press Next.
  3. 3. Complete the requested information and create your username and password.
  4. 4. Register your account.
• How much does Comercial Credit Card Manager (CCCM) cost?

  Commercial Credit Card Manager (CCCM) is free of charge for all Banco Popular commercial credit card customers, except for the AAdvantage Visa Business card, for which the service is not available.

• What steps should I take if my business credit card is declined?

  If your credit card is declined, please call the Service Center at If your credit card is declined, please call the Service Center at 787.758.0505 for more information.

• Where can I get information about the characteristics of a business credit card?

  To get information about business credit cards, please click on the following links: https://www.popular.com/en/cards/business/comparative-table/ and https://www.popular.com/en/cards/business/

• What should I do if my business credit card gets lost?

  In case you misplace or lose your business credit card, please call the Service Center at 787.758.0505 and report the card as lost.

• What are the requirements to apply for a business credit card?

  To find out which are the requirements to apply for a business credit card, please contact your Relationship Officer or visit your nearest branch.

  Subject to credit approval.

• What are the main benefits that business credit cards provide?

  Business credit cards provide an efficient way to make payments and control your business’s expenses. In addition, business credit cards include car rental insurance, when paying for the full transaction using the card (Subject to the policy’s Terms  and Conditions). Please call 787.758.0505 or 1.800.981.9505 toll free for details. 

• How can I cancel my business credit card?

  You can cancel a credit card through the Commercial Credit Card Manager. In addition, to cancel the account, or a specific card, you can contact your Relationship Officer or visit your nearest branch.

• Where can I view my business credit card’s transactions?

  You can view your cards’ transactions, as well as your account statement, at Commercial Credit Card Manager, Mi Banco and Mi Banco Comercial.

• How do I request additional cards?

  You can request an additional card through the Commercial Credit Card Manager, or you can also contact your relationship officer or visit the nearest branch.

• Which business credit card is best for my business? The PREMIA® Business Rewards and PREMIA® Business Rewards Max are cards that allow you to separate personal expenses from your business expenses, and lets you earn PREMIA® points on your everyday business purchases. The Visa Corporate card is specially designed to maximize your company’s budget and control expenses. For more information, please refer to the comparative table available here: popular.com/en/cards/business/comparative-table
• What are the main benefits business credit cards provide?

  Business credit cards provide an efficient way to make payments and control your business’s expenses. In addition, business credit cards include car rental insurance. (Subject to the policy’s Terms and Conditions) Please call 787.758.0505 or 1.800.981.9505 toll free for details. Insurance applies when paying for the full transaction using the card.

• How can I pay a business credit card?

  You can pay your card through the Commercial Credit Card Manager, Mi Banco, Mi Banco Comercial, Web Cash Manager℠, via mail, by phone at 787.758.0505 or at any of our branches.

• How can I increase my business credit card’s limit?

  If you want to increase the limit on your business credit card, please contact your Relationship Officer or visit your nearest branch to learn more about the credit options available for your account.

  Certain conditions apply.

Products and services offered by Banco Popular de Puerto Rico. Certain restrictions and charges apply. Subject to credit approval.

• Account Transfers

  In this guide, you'll learn how to make a simple transfer and to generate a transaction that includes multiple transfers.

  • 1. From the Popular Business Access main menu, click the Money Movement menu entry.
  • 2. Click the Account Transfer tile.
  • 3. The Individual Transfers page within Funds Transfer allows you to make a single transfer. Click the drop-down list From Account.
  • 4. The list shows the accounts to which you have access and the current balance of each. Verify that the account has the sufficient funds to complete the transfer. Select an entry from the list. As an example, click BSMART XX4988.
  • 5. Click the drop-down list To Account.
  • 6. Select an entry from the list. As an example, click FLEXICUENTA DE NEGOCIOS XX9776.
  • 7. Input the desired information into the Amount field. As an example. enter "10.00".
  • 8. Click the drop-down list Frequency.
  • 9. You can set your transfers to be made on a recurring basis. The Frequency field allows to indicate how often you want to transfer funds. In this example, we'll perform a single transfer. Click the One time transfer list item.
  • 10. Choose the effective date for the transfer. Click the Transfer Date icon.
  • 11. The effective date can be set to today or a future date. Click the desired date.
  • 12. Optionally, you can record a comment or description of the transaction. Input the desired information into the Memo field.
  • 13. Verify all of the entered data and click the Transfer Funds button.
  • 14. Popular Business Access shows a confirmation message when you complete the transfer. In this window, you can click the Close button, if you want to go back to the previous page; or click the Manage Transfer button to access the Activity Center where you can see past transfers information and monitor the transaction progress.
  • 15. Click the Close button.
  • 16. The Funds Transfer page also allows you to generate transfers to multiple accounts. Click the Multi-Account Transfers tab.
  • 17. Within the Multi-Account Transfers page, you can create and manage templates. They allow you to repeat a transaction in the future or you can use the template as a starting point for other transactions.
  • 18. Click the Transfer Funds button.
  • 19. If you want to make all transfers on the same date, verify that the Use same Date for all transfers box is checked. Otherwise, uncheck this option.
  • 20. Click the Transfer date icon.
  • 21. Transfers can be effective today or on a future date. Click the desired date.
  • 22. Input the desired information into the Memo field. As an example, enter "Transfer".
  • 23. Click the Push Memo to All button to include the message in all transfers.
  • 24. Under the From Account column, select the accounts from which each transfer will be initiated. Expand the From Account list, within the first row of transfers.
  • 25. The list shows the accounts to which you have access and shows the current balance of each. Verify that the accounts have the sufficient funds to complete the transfer. Select a suitable value; as an example, click FLEXICUENTA DE NEGOCIOS XX1394 list item.
  • 26. Under the To Account column, choose the accounts that will receive the funds. Click the To Account list in the first row.
  • 27. Select a suitable value, as an example, click the FLEXICUENTA DE NEGOCIOS XX9776 list item.
  • 28. Repeat the previous steps to choose the accounts to use in rows two and three, if desired. Under the Amount column, enter the amount for each transfer. In the first row, input the desired value into the Amount field. As an example, enter "5.00".
  • 29. Similarly, enter the amounts for transfers in rows two and three. If you need to add another transfer, click the + Add another transfer link.
  • 30. Click the Push Memo to All button again, to include the comment into the added transfer.
  • 31. Repeat the previous steps to complete the From Account, To Account, and Amount fields in the new row. Verify that all information is correct and click the Submit button.
  • 32. Popular Business Access displays a confirmation message. The message includes the assigned batch number, the number of transfers processed, and the total amount transferred. Depending on your configuration, the transaction may require approval. In this window, you can click: Close, to return to the previous page. Notify approvers, if approval is needed to complete the transaction. View in Activity Center, to access the action center from where you can monitor the transaction progress.
  • 33. Click the Close button.
  • 34. You have completed the steps to make a simple transfer and to generate a transaction that includes multiple transfers.
• Access the Activity Center

  In this guide, you will learn how to access the activity center.

  • 1. On the Popular Business Access main menu, click the Reports & Documents menu entry.
  • 2. Under the Reports section, click the Online Activity tile.
  • 3. The activity center, on the Online Activity page, displays the list of recent transactions that originated from Popular Business Access. On this page, you can filter, export, print, and manage transactions in the list. Transactions are divided into simple transactions and recurring transactions.
  • 4. To apply filters to the list, click the Filter icon.
  • 5. In the Filters panel, you can use the available fields to filter transactions by type, status, account, SEC code (Standard Entry Class code), person who generated the transaction, minimum or maximum amount, from date to date, tracking number, and/or batch number. You can specify individual values or combine them, depending on the search criteria you want to build. Popular Business Access allows you to save frequent searches. Just click the Save Filter in Favorite link to save searches you'd like to reuse in the future.
  • 6. Let's create a simple filter. Click the drop-down list Created By.
  • 7. Select an entry from the list. As an example, click Populoso BPPR.
  • 8. Click the Apply Filters button.
  • 9. The applied filter appears at the top of the list. In this example, the result shows the transactions generated by the selected user. To remove the filter, click the X on the right side of the filter.
  • 10. Click the Recurring Transactions tab.
  • 11. The Recurring Transactions page displays transactions that run periodically, according to a set frequency. Each row displays summary information about the transaction. For example, it shows the date it was created, current status, number of approvals, type, associated account, and quantity. Click the Actions icon, at the end of the row of the desired transaction, to display the menu.
  • 12. From the list of actions, you may choose to copy, view additional information, print, among others.
  • 13. Select an entry from the list. As an example, click View transactions in series.
  • 14. The Transactions in Series page contains two sections. The Primary Transaction section displays the information for the primary transaction in the series. The Transactions in Series section displays a list of each occurrence of one of the transactions in the series.
  • 15. Click the Back button.
  • 16. You have completed the steps to access the activity center.
• Admin – Create Roles and Users

  In this guide, you will learn to create a new role and a new user account.

  • 1. Popular Business Access provides a wide range of self-service options to allow company admins to perform administrative tasks, such as creating users and modify company policies*. Company policies define the accounts, transaction types, permissions, and features that are available for your organization. *Note that company policies can't be changed from Popular Business Access. However, you can modify the settings about transaction handling, the actions that can be performed by different roles, or the level of access.
  • 2. On the Popular Business Access main menu, click the Administration menu entry.
  • 3. Click the Company Policies option.
  • 4. On the Transactions tab, you can view those transaction types that are currently enabled for your company. From this page, you can also set limits for each of them.
  • 5. Click the Features tab.
  • 6. In the Features tab, you will find all the features available for your company; such as providing access to specific reports and special rights, among others.
  • 7. Click the Accounts tab.
  • 8. On the Accounts tab, you'll find all the accounts associated with your company. From here, you will also view your access level to each account. The access level is controlled through roles. The user's role controls whether the user can view transactions in the account, make deposits and/or withdrawals, among other available actions.
  • 9. Click the User Roles tab.
  • 10. The User Roles page displays the roles associated with the company. Note that company policies can't be changed from Popular Business Access. However, you can modify the settings about transaction handling, the actions that can be performed by different roles, or the level of access. User roles allow the company to create different levels of access depending on each user's specific tasks.
  • 11. Click the Create Role button.
  • 12. Input the desired name into the Role Name field.
  • 13. Optionally, input a description into the Description field.
  • 14. Click the Ok button.
  • 15. Click the Save button.
  • 16. On the main menu, click the Home menu entry.
  • 17. To create a new user account, click the Administration menu entry.
  • 18. Click the Users option.
  • 19. Click the Add User button.
  • 20. Input the desired information into the First Name field.
  • 21. Input the desired information into the Last Name field.
  • 22. Input the desired information into the Email Address field.
  • 23. Click the drop-down list Phone Country.
  • 24. Select an entry from the list. As an example, click Puerto Rico.
  • 25. Input the desired information into the Phone field.
  • 26. Assign a new Login ID for the account. Input the desired information into the Login ID field.
  • 27. Input the desired information into the Password field. Be sure to follow the password restrictions under the Password field.
  • 28. Input the new password into the Confirm Password field.
  • 29. Assign one of the existing roles to the new user account. Click the drop-down list User Role.
  • 30. Select an entry from the list. As an example, click Rick.
  • 31. Click the Save New User Details button.
  • 32. The user account was created successfully. Click the Close button.
  • 33. You have completed the s to create a new role and a new user account.
• Create and Manage Alerts

  In this guide, you will learn how to create and manipulate alerts.

  • 1. In the Popular Business Access main menu, click the Administration menu entry.
  • 2. The Administration page within Popular Business Access provides a wide variety of options to help you control user access and configure company preferences. Some of the tasks you can perform from this page are: password changes, updates to the company profile, configure notifications, control access to different reports, and preferences for the main page, among others.
  • 3. To setup notifications, click the Alert Settings tile, under the Messages & Alerts section.
  • 4. The list shows the existing alerts. Click the New Alert button.
  • 5. Select an entry from the list. As an example, click Account Alert.
  • 6. The New Account Alert page allows you to set up a notification related to an account's transactions. Click the drop-down list Account.
  • 7. Select an entry from the list. As an example, click FLEXICUENTA DE NEGOCIOS XX1394.
  • 8. Click the drop-down list Account balance type.
  • 9. Select the value to monitor. As an example, click Available Balance.
  • 10. Click the drop-down list Frequency.
  • 11. Select an entry from the list. As an example, click Every day.
  • 12. Click the Start Date icon.
  • 13. Click the desired date.
  • 14. From the available delivery methods, choose how you want to receive the notification. Select a suitable value; as an example, click on Email.
  • 15. After selecting Email as the preferred delivery method, the Email Address text box is enabled. Input the recipient's email into the Email Address field.
  • 16. Click the Create Alert button.
  • 17. The alert was created successfully. You just asked Popular Business Access to send a daily email with your account available balance. Click the Close button.
  • 18. The Alerts page now shows an Account Alerts section. From here, you can manipulate the alert you just created. Click the Edit link, under the Send me my Available Balance every day, by email alert.
  • 19. The Edit Account Alert window allows you to modify the alert settings. At the bottom, you can use the Delete button to remove the alert or the Save button to save your changes and return to the previous screen.
  • 20. Click the Save button.
  • 21. Click the Close button.
  • 22. Back in the Alerts list, use the toggle or switch control at the end of each alert to enable or disable it. Please be advised that some alerts can’t be edited or disabled, as they are controlled by Popular. Contact your relationship officer for more information.
  • 23. You have completed the steps to create and manipulate alerts.
• Create and Manage Reports

  In this guide, you will learn how to create, manipulate and run reports.

  • 1. From the Popular Business Access main menu, click the Reports & Documents menu entry.
  • 2. Under the Reports section, click the Reports tile.
  • 3. The Reports page displays the list of recently created reports. Click the + New Report link.
  • 4. Popular Business Access displays the list of available reports, organized by groups.
  • Current Day Reports Includes reports of transactions generated today.
  • Previous Day Reports Includes reports on transactions generated on or before the previous day.
  • Online Activity Reports Includes reports on online activities.
  • Transaction Reports Includes activity reports on a per-transaction basis.
  • Online Banking Activity Includes reports of banking activities generated online.
  • Other Reports Includes reports that show additional information about the account and/or company.
  • 5. For example, click the ACH Activity Report - Current Day report.
  • 6. The report settings window is displayed. Each report configuration is saved and can be used to run the report in the future, as many times as needed. Under Do you want this report to be private or shared?, indicate Private, whether this report is for your personal use, or Shared, if you are going to share this definition with other authorized people.
  • 7. For example, click the Private option.
  • 8. Input the desired report name into the What do you want to name the report? field.
  • 9. Under What account(s) do you want to include?, indicate whether you want to include all accounts or just some. To include all accounts, select All Accounts; otherwise, select Specific Account(s).
  • 10. As an example, click the All Accounts option.
  • 11. Under How often do you want this report to run?, state how often you want to run the report.
  • 12. Click the Every Business Day option.
  • 13. Click the Create and Run button.
  • 14. The report is generated and executed successfully. Click the OK button.
  • 15. At the top of the Results list, you can choose to filter the rows to display only Private,  Shared or All executions. Click the Private button.
  • 16. The Results list shows the most recent private reports runs. Locate the desired report and click the Actions icon at the end of the row.
  • 17. The list includes different actions that can be taken on the report. You can choose from:
  • View History to view information about past executions.
  • Run Now to run the report right now.
  • Edit to modify the report definition.
  • Copy to create a copy of the report definition.
  • Delete to remove the report definition.
  • 18. Select an entry from the list. As an example, click View History.
  • 19. Past runs of the report are displayed. You can view the results of the run as many times as you want. Results can be generated in various formats such as: PDF, CSV or BAI. For example, click the PDF link.
  • 20. The file is automatically generated and downloaded. You can access the file in the download list of your preferred browser. Popular Business Access redirects and displays the contents of the file, depending on the selected format.
  • 21. You have completed the steps to create, manipulate and run reports.
• Forgot Password

  In this guide, you will learn how to reset your password.

  • 1. Click the Forgot your password? link, at the bottom of the Log In window.
  • 2. Input your username into the Login ID field.
  • 3. Click the Submit button.
  • 4. To validate your identity, pick one of the phone numbers associated with your account to receive a text with a validation code.
  • 5. Enter the validation code you received into the Enter your Secure Access Code field.
  • 6. Click the Submit button.
  • 7. Input the new password into the New Password field. Please observe the password rules under Password Requirements.
  • 8. Input in the new password into the Confirm New Password field.
  • 9. Click the Submit button.
  • 10. The password reset is completed. Popular Business Access directs you to the Home page.
• Set Account Preferences

  In this guide, you will learn how to set up an account's preferences.

  • 1. Popular Business Access allows you to change your account preferences. Among other actions, preferences allow you to assign an alternate name or nickname to each account, and also select the balance information to be displayed on the home page.
  • 2. Click the Administration menu entry.
  • 3. Under User Preferences, click the Manage Accounts tile.
  • 4. The Account Preferences page displays the accounts to which you have access. Select the desired account to display more information.
  • 5. The account information is displayed under the account's name. To modify the displayed name, click the Edit icon next to the current name.
  • 6. Input the desired name into the Online Display Name field.
  • 7. Click the Save icon.
  • 8. The Select a balance to display on home page section shows different types of balances. You can select up to two of them to be displayed under the account name on the homepage.
  • 9. Check the box in front of the balances you want to display on the home page. Remember, you can select up to two balances.
  • 10. Click the Home menu entry.
  • 11. Notice the changes under the Accounts section. The main page displays account information based on your set preferences.
  • 12. You have completed the steps to set up preferences for an account.
• Request Stop Payments

  In this guide, you will learn how to request one or more stop payments for checks.

  • 1. From the Popular Business Access main menu, click the Account Services menu entry.
  • 2. Under the Account Services section, click the Stop Payment tile.
  • 3. Popular Business Access lets you request a stop payment for one or more checks. Note: Make sure that the check that you are requesting the stop payment has not been processed. In addition, a stop payment request does not guarantee that the check(s) payment(s) will be stopped since the stop payment will take effect on the next business day. Contact your relationship officer for more details.
  • 4. Use Single Check option to request the stop of one check. Use the Multiple Checks option to request the stop payment of multiple checks. In such a case, you must enter the numbers of the first and last check you want to include in the request. If the check numbers are not in sequence, you must process each request individually.
  • 5. Click the Single Check option.
  • 6. Click the drop-down list Account.
  • 7. Select an entry from the list. As an example, click FLEXICUENTA DE NEGOCIOS XX9776.
  • 8. Input the number of the check into the Check number field.
  • 9. As additional information, you can include the amount to be paid, the date of the check, the name of the person or institution that received the check, or an additional note, within the appropriate fields. Verify all the field values and click the Request stop payment button.
  • 10. The Stop Payment Successful window confirms that your request was received successfully. In this window, you can see the tracking ID, the date it was processed, the account, and the amount of the transaction, along with a brief description. You can click the Close button to return to the previous page, or you can click the View In Activity Center button to monitor the transaction in the activity center.
  • 11. You have completed the steps to request one or more stop payments for checks.
• View & Manage Accounts

  In this guide, you will learn how to view accounts information.

  • 1. Popular Business Access allows you to view information about your business accounts. You can mark accounts as priority accounts to monitor them on the main page. Initially, the list of priority accounts is empty.
  • 2. To access the full list of accounts, click the View all accounts link.
  • 3. The list of accounts includes all the business accounts to which you have access. From here, you can:
    • Mark priority accounts.
    • Filter and sort the list.
    • Create account groups.
  • 4. To mark an account as a priority account, click the Star to the left of each account's name. Check all the accounts you want to display on the main page.
  • 5. Click the Home menu entry.
  • 6. Notice the account, under the Priority Accounts group on the home page.
  • 7. Initially, the accounts listed on the home page are only the priority accounts. If you want to group your accounts and display those groups on the main page, you must modify the home page preferences.
  • 8. Click the Administration menu entry.
  • 9. Click the Homepage Preferences tile, under the User Preferences section.
  • 10. Disable the Account List option under the Account List section.
  • 11. Click the Home menu entry.
  • 12. The main page now shows all business accounts, under the Accounts group.
  • 13. Click the Account Options menu button in the upper-right corner of the Accounts section. The Account Options menu includes options for creating and manipulating account groups.
  • 14. Click the Create new group menu entry.
  • 15. Pick the account to add to the group. Click the drop-down list Select Account.
  • 16. Click the desired value. For instance, in this example, click BSMART 2.
  • 17. Input the desired name into the Group Name field.
  • 18. Click the Save button.
  • 19. The new group appears at the bottom of the home page.
  • 20. To view transactions, click on the account name tile.
  • 21. The Transactions tab, within the Account page, shows the most recent transactions. Click the Details & Settings tab.
  • 22. The Details and Settings tab shows the different account balances and current account settings.
  • 23. Click the Back link, to return to the Home page.
  • 24. You have completed the steps to view accounts information.

• How can I protect my business against fraud?

  Every year thousands of people are scammed through phone calls and emails. At Popular, we know just how important your business is to you and that is why we offer tools and advice so you can protect your business against fraud. Go to our Security Center to find out how to do it.

• Which services can I use to protect my business account against fraud? Popular offers tools to help you keep your business protected against fraud.
  • Check fraud:
  • With Positive Pay you protect your account by keeping daily control of which checks are paid.
  • With Reverse Positive Pay the banking institution presents a list of checks that are drawn on your account so you can authorize them.
  • Electronic transactions:
  • Using Electronic Payment Authorization (EPA) you protect your business account against any fraudulent or unauthorized ACH electronic debit transactions.
• What does Positive Pay do?

  Positive Pay is a service that provides a solution to avoid check fraud. Every day, Banco Popular will compare checks issued by the client against payable checks that were received by the Bank. The Bank will not pay any check that is not on the list of issued checks, unless authorized by the client. This service helps prevent instances of check fraud and allows you to have a daily control of which checks are paid.

• 1. How can I access Popular Business Access?

  Go to www.popularbusinessaccess.com or www.popular.vi/business/, click on the Sign In button, and look for Popular Business Access on the list.

• 2. How can I log in to Popular Business Access for the first time if I don't know my Login ID?

  To log in to Popular Business Access, you must use your new Login ID. Your new Login ID is made up of the company’s Customer ID and your current Web Cash Manager (WCM) username.

  Example: If your Customer ID is 12-3456789 and your WCM username is BankUser01, your Login ID for Popular Business Access will be 123456789BankUser01.

  Next, choose the method you would like to use for multi-factor authentication and enter the access code you receive via the previously chosen method. Finally, you must create a new password according to the requirements shown on the screen and confirm it.

  Welcome to your new digital business banking experience!

• 3. Can I access Popular Business Access from any browser?

  The following table contains the browsers compatible with Popular Business Access according to the available operating system:

  Browser Windows macOS Google Chrome (Current and last two major versions) Recommended Recommended Mozilla Firefox (Current and last two major versions) Compatible Compatible Microsoft Edge (Current and last two major versions) Compatible Not compatible Apple Safari (Current and last two major versions) Not compatible Compatible
• 4. Where can I find and download the Popular Business Access app?

  For Apple (iPhone or iPad) users: Go to the App Store and search for the app by the name Popular Business Access to download it.

  For Android mobile or tablet users: Go to Google Play or Play Store and search for the app by the name Popular Business Access to download it.

• 5. How can I download the application to my smartwatch?

  Easy! Find the Popular Business Access app on your mobile and connect to your account. Look for the Popular Business Access logo on your Apple Watch™ so you can access it.

  After having the app on your Apple Watch™, you will be able to manage your business accounts from your watch without needing to connect to the app from your mobile.

• 6. Where can I get assistance?

  For more information or assistance regarding Popular Business Access, you can contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1-855-756-3939.

• 7. How do I add a new user?

  You can add, edit, delete a user if you have been designated as the primary user. To learn more about adding a user, click here.

• 8. Why is a new user unable to see any accounts?

  When you create a user, you must set the account and transaction accesses, as well as limits. Depending on the settings (for dual approval of non-financial transactions), a Customer Service representative or a different user may need to initiate the final approval for activation.

  For assistance, you can contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1.855.756.3939.

• 9. Can I see transactions from other users of my business?

  Yes, if your accesses allow you to see the activity of other users.

• 10. If I delete a user, will it delete that user’s activity?

  No, only access and rights to the Popular Business Access system are taken away. All payments and templates that the user created remain, as do references to their online activity.

• 11. Can I edit user information?

  No. For security reasons, you can only add or remove users, as well as edit their accesses. Users can change their own profile information, login ID, and password if needed.

• 12. How do I reset my password?

  You can easily reset your password by clicking on the “Forgot your password?” link on the login screen and following the steps required.

• 13. What happens if my password cannot be reset through the “Forgot your password?” link?

  You must contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1.855.756.3939 for assistance.

• 14. How can I find the status of my Recurring Transfer?

  If the Recurring Transfer was set up, you will be able to find it in the Activity Center and under the Recurring Transfers tab. The Recurring Transfer may be in one of the following statuses:

  • Authorized - It will happen in the future
  • Processed - It has already happened
  • Drafted - It requires a second person to approve it
  • Pending or On Hold - Something is likely holding it up. Contact the Business Support Center at 787.756.3939 or 1.855.756.3939 for more details.
  • Host Failed, Failed, or Cancelled - Means the Recurring Transfer will never take place
• 15. Is it possible to edit a Future Dated Transfer?

  No. You will need to cancel the transfer and reschedule it to send on a future date.

• 16. Why are QuickBooks®/Quicken® not synchronizing properly?

  Immediately after migration, Direct Connect and Express Web Connect will not be available for 3-5 days, while Intuit® moves the connection. We recommend you use Web Connect for Quicken® or QuickBooks® in the interim.

• 17. Why am I being asked to register my device?

  Each time you log in to Popular Business Access, we will evaluate whether you are using the same computer and browser you registered with us. Our site looks for our Cookies (electronic markers) on your computer. If it doesn’t find them, we ask you to identify yourself again by providing a code that you will receive via email or text. After your computer is registered, you shouldn’t need to provide a code again for that computer using that browser.

  Note: As a security measure, each time you use a public computer, you must provide a code.

  Still have questions? We are available to assist you. Contact our Business Support Center at 787.756.3939 or 1.855.756.3939 to learn more about Popular Business Access.

Service offered by Banco Popular de Puerto Rico. Member FDIC, except BVI.

• 1. How can I access Popular Business Access?

  Go to www.popularbusinessaccess.com or www.popular.com/en/business/, click on the Sign In button, and look for Popular Business Access on the list.

• 2. How can I log in to Popular Business Access for the first time if I don't know my Login ID?

  To log in to Popular Business Access, you must use your new Login ID. Your new Login ID is made up of the company’s Customer ID and your current Web Cash Manager (WCM) username.

  Example: If your Customer ID is 12-3456789 and your WCM username is BankUser01, your Login ID for Popular Business Access will be 123456789BankUser01.

  Next, choose the method you would like to use for multi-factor authentication and enter the access code you receive via the previously chosen method. Finally, you must create a new password according to the requirements shown on the screen and confirm it.

  Welcome to your new digital business banking experience!

• 3. Can I access Popular Business Access from any browser?

  The following table contains the browsers compatible with Popular Business Access according to the available operating system:

  Browser Windows macOS Google Chrome (Current and last two major versions) Recommended Recommended Mozilla Firefox (Current and last two major versions) Compatible Compatible Microsoft Edge (Current and last two major versions) Compatible Not compatible Apple Safari (Current and last two major versions) Not compatible Compatible
• 4. Where can I find and download the Popular Business Access app?

  For Apple (iPhone or iPad) users: Go to the App Store and search for the app by the name Popular Business Access to download it.

  For Android mobile or tablet users: Go to Google Play or Play Store and search for the app by the name Popular Business Access to download it.

• 5. How can I download the application to my smartwatch?

  Easy! Find the Popular Business Access app on your mobile and connect to your account. Look for the Popular Business Access logo on your Apple Watch™ so you can access it.

  After having the app on your Apple Watch™, you will be able to manage your business accounts from your watch without needing to connect to the app from your mobile.

• 6. Where can I get assistance?

  For more information or assistance regarding Popular Business Access, you can contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1-855-756-3939.

• 7. How do I add a new user?

  You can add, edit, delete a user if you have been designated as the primary user. To learn more about adding a user, click here.

• 8. Why is a new user unable to see any accounts?

  When you create a user, you must set the account and transaction accesses, as well as limits. Depending on the settings (for dual approval of non-financial transactions), a Customer Service representative or a different user may need to initiate the final approval for activation.

  For assistance, you can contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1.855.756.3939.

• 9. Can I see transactions from other users of my business?

  Yes, if your accesses allow you to see the activity of other users.

• 10. If I delete a user, will it delete that user’s activity?

  No, only access and rights to the Popular Business Access system are taken away. All payments and templates that the user created remain, as do references to their online activity.

• 11. Can I edit user information?

  No. For security reasons, you can only add or remove users, as well as edit their accesses. Users can change their own profile information, login ID, and password if needed.

• 12. How do I reset my password?

  You can easily reset your password by clicking on the “Forgot your password?” link on the login screen and following the steps required.

• 13. What happens if my password cannot be reset through the “Forgot your password?” link?

  You must contact your Relationship Officer or call the Business Support Center at 787.756.3939 or 1.855.756.3939 for assistance.

• 14. How can I find the status of my Recurring Transfer?

  If the Recurring Transfer was set up, you will be able to find it in the Activity Center and under the Recurring Transfers tab. The Recurring Transfer may be in one of the following statuses:

  • Authorized - It will happen in the future
  • Processed - It has already happened
  • Drafted - It requires a second person to approve it
  • Pending or On Hold - Something is likely holding it up. Contact the Business Support Center at 787.756.3939 or 1.855.756.3939 for more details.
  • Host Failed, Failed, or Cancelled - Means the Recurring Transfer will never take place
• 15. Is it possible to edit a Future Dated Transfer?

  No. You will need to cancel the transfer and reschedule it to send on a future date.

• 16. Why are QuickBooks®/Quicken® not synchronizing properly?

  Immediately after migration, Direct Connect and Express Web Connect will not be available for 3-5 days, while Intuit® moves the connection. We recommend you use Web Connect for Quicken® or QuickBooks® in the interim.

• 17. Why am I being asked to register my device?

  Each time you log in to Popular Business Access, we will evaluate whether you are using the same computer and browser you registered with us. Our site looks for our Cookies (electronic markers) on your computer. If it doesn’t find them, we ask you to identify yourself again by providing a code that you will receive via email or text. After your computer is registered, you shouldn’t need to provide a code again for that computer using that browser.

  Note: As a security measure, each time you use a public computer, you must provide a code.

  Still have questions? We are available to assist you. Contact our Business Support Center at 787.756.3939 or 1.855.756.3939 to learn more about Popular Business Access.

Service offered by Banco Popular de Puerto Rico. Member FDIC.

• How to Enroll in Internet Banking with a FlexiCuenta de Negocios®?

  You must have an ATH card on your name for the business account that you want to enroll. If you don't have an ATH card for the account, you may apply for one by calling TeleBanco Comercial, between 8:00 a.m. and 6:00 p.m. (Monday through Saturday) at (787) 756-9130 or toll free at 1-888-756-9130.

  Once you have activated your ATH card, you must enroll to My Online Bank using your personal information (social security number and date of birth), not the business information. When you complete the enrollment process, the system will show all your personal banking relationships with Banco Popular, including the FlexiCuenta de Negocios® you used to enroll.

  If you don’t want this enrollment to show your personal banking relationships, ask the Internet Banking Technical Assistance group to perform this change by calling (787) 724-3655.

• How can I download my transactions to my computer?
  • To download transactions made using Mi Banco Comercial you must follow these steps:
    1. Login to the desktop version of Mi Banco Comercial
    2. On your account’s main screen, select Account Services from the menu on the left.
    3. In the Account Statements section, select the option to export transactions.
    4. Choose the account from which you want to export transactions.
    5. Select the period you want to export.
    6. Select the program in which you want to download the transactions and press Export.
  • The system will offer the option to Save or Open the document with the transactions on your computer. In addition, Mi Banco Comercial allows you to export your transactions to QuickBooks1 so you can easily manage your business’s operations. To export reports, you must have access to QuickBooks® 2013 software or recent editions.

  1 QuickBooks® is a registered trademark of Intuit Inc.

• How can I change the phone number where Mi Banco Comercial’s notifications are sent?
  • To change the phone number associated with your account, follow these steps:
    1. Login to the desktop version of Mi Banco Comercial.
    2. Click on the Alert Types option seen in the menu on the left.
    3. Click Edit in the box on the right: Contact Information.
    4. Fill in the corresponding fields with the new information for your phone.
    5. Click on the box to accept the terms and conditions.
    6. Click on the Send button.
  • Done! Following those steps will have allowed you to change your information.
• What is the difference between Mi Banco Comercial and Mi Banco Online?

  Mi Banco Online is aimed at individuals. However, you will be able to see your B-Smart® account. On the other hand, Mi Banco Comercial is aimed at businesses and allows you to use applications to help manage your business efficiently, such as the Business Payments module to make payroll and supplier payments, and the Reverse Positive Pay check fraud prevention module; neither module can be accessed through Mi Banco Online.

• What are the options for depositing money electronically?
  • Banco Popular provides options to electronically deposit your business’s money. You can deposit checks within the Mi Banco Comercial app, using the Mobile Easy Deposit tool. In addition, the Remote Deposit service allows you to deposit your company checks right from your location, using a computer and a scanner. If your business handles a high volume of cash, you can deposit it from your location using the safe deposit boxes available through the Virtual Vault service.
  • For more information about the deposit services available for businesses, click here.
• Is there a limit on the number of bills (water, electric power, phone, etc.) that I can pay online?

  There is no limit on online payments. Through Mi Banco Comercial you will be able to pay all your utilities, including water, electric power and mobile phone, among other services.

• What is the difference between the desktop version and the mobile version of Mi Banco Comercial?
  • Both versions will allow you to:
    1. Review transactions in real time and transfer funds between Popular accounts.
    2. Make payments to utilities like water, electric power and mobile phone, among others.
    3. Make payroll and supplier payments using the Business Payments module.
  • The desktop version of Mi Banco Comercial gives you access to different options that are unavailable in the mobile version, such as:
    1. Edit personal profile information
    2. Download statements to your computer
    3. Register new utility payments
    4. Originate and cancel stop payments
    5. Export your transactions to Quickbooks3.
  • In addition, the Business Payments module allows you to register and pay your employees and/or suppliers. It also gives you access to the Reverse Positive Pay check fraud prevention service. Meanwhile, in the mobile version you will have access to other services like ATH Móvil, Retiro Móvil and Mobile Easy Deposit.
  • One of the current advantages is that you can use the desktop version from your mobile phone or tablet, which allows you to have full access to all the functions of Mi Banco Comercial using a single device.
• Is there a limit on transfers between accounts?

  Yes, transfers of funds do have a limit. You can transfer up to $10,000 per (business) day between accounts in which you are a signatory. Furthermore, you can transfer up to $3,000 a day to accounts in which you are not a signatory.

• Can I transfer money, online, from one account to another?

  Mi Banco Comercial will allow you to make online transfers between accounts. If you want to transfer funds to an account in which you are not a signatory, you must register the account in your transfer options. This can be done by visiting one of our branches or calling the Commercial Support Center at 787.756.3939 or at 1.855.756.3939.

• Can I register more than one account at Mi Banco Comercial?

  You can register up to 3 business accounts that have the same Employer Identification Number.

• How can I make a new registration at Mi Banco Comercial?
  • To register at Mi Banco Comercial you must follow these steps:
    1. Go to the Banco Popular website: popular.com.
    2. In the upper right corner, next to where it says Connect, look for Mi Banco Comercial and click on this option.
    3. Click on the word Sign Up to begin the registration process.
    4. Fill in the boxes with your demographic information.
    5. Complete the information for your business account and ATH debit card.
    6. Select your username and password.
    7. Select your security questions.
    8. After reading the Terms and Conditions, check the box where you will accept them and click on the Send option to continue with the process.
    9. After clicking Send, the main page of the platform you selected will reappear and you can begin to enjoy its benefits.
• How can I cancel the Mi Banco Comercial service?

  To cancel the Mi Banco Comercial service, you must call the Commercial Support Center at 787.756.3939 or 1.855.756.3939 (toll free) and request the service cancellation document.

• How can I solve a registration error within Mi Banco Comercial?

  To solve registration errors, please call our Commercial Support Center at 787.756.3939 or 1.855.756.3939 (toll free).

• How do I add a payee at Mi Banco Comercial?

  You can add a new payee using the desktop or mobile version of Mi Banco Comercial. To add one, please follow these steps:

  1. Open the updated version of the Mi Banco app or go to popular.com.
  2. Login and go to the Payment section.
  3. Click on Select Payee.
  4. Select the Add Payee option.
  5. Search for the business you want to add or choose from the menu.
  6. Fill in the required fields and click Add Payees when you are done. Done! Now you can make payments to that payee.
• How can I change my Mi Banco Comercial password?

  If you want to change your Mi Banco Comercial password, please follow these steps:

  1. Login to the desktop version of Mi Banco Comercial.
  2. Select the option that says My Information.
  3. Choose the Change Password option that appears to the right of the column.
  4. Fill in the boxes according to the instructions.
  5. Click the Send button. Done! Now you will have a new access password for your accounts.
• What should I do if my access to Mi Banco Comercial is blocked?

  To regain your access to Mi Banco Comercial, press the “Forgot Your Password?” option on the Mi Banco Comercial main page. The system will ask you to enter your account information in order to regain access. If you have difficulty dealing with the process or if you want assistance, please call the Commercial Support Center at 787-756-3939 or 1-855-756-3939 toll free and choose option 3 for technical support.

• What is the two-step verification at Mi Banco Comercial?

  The two-step verification is a security method that Popular implements in the authentication process to access Mi Banco Comercial. It adds an additional level of security. The process consists of two authentication methods, performed one after the other, to verify that the person requesting access is who they claim to be. When you login to Mi Banco Comercial, we will send a code to the registered mobile phone number to confirm your identity.

• What type of business is eligible to use the Mi Banco Comercial tool?

  Any registered business is eligible to use Mi Banco Comercial.

• When should I be able to see my electronic account statement?

  Business account statements close at the end of the month. You will be able to see your account statement between 2 to 3 business days of the next month.

• How can I change my secret questions?
  • You can change your secret questions by following these steps:
    1. Login to Mi Banco Online.
    2. Click on My Information.
    3. Under Login Information, select Edit Secret Questions.
    4. Choose your secret questions with their answer and confirm them.
    5. Finally, click on Send.
  • After completing these steps, you will have successfully reset your secret questions.
• Is there a fee for cancelling the Web Cash Manager℠ service?

  No, there are no charges for cancelling this service.

• Can I change my email address?
  • To change your email address, please follow these steps:
    1. Login to Mi Banco Online.
    2. In the My Information section, click on Edit e-mail.
    3. Write the new email address and confirm the information.
    4. Click on Send.
  • After completing these steps, you will have changed the email address for your account.
• Can I make transfers to accounts other than the business account?

  Yes. You can use Web Cash Manager’s℠ ACH module to make transfers to individual accounts.

• What should I do if I notice suspicious activity in my account?

  If you notice any kind of suspicious activity in your account, report it to the Bank immediately, in the first 24 hours. Contact your Relationship Officer or call the Commercial Support Center at 787.756.3939 or 1.855.756.3939.

• How do I make payments and transfers using TelePago?

  TelePago allows you to pay bills from registered businesses over the phone (with a representative or using the automated answering service) at 787.724.3652 or 1.888.724.3652 toll free. You can also login to Mi Banco Comercial at popular.com.

• How do I register a TelePago payment?

  You can register your TelePago payments using Mi Banco Comercial.

• How do I cancel a TelePago payment?

  To cancel payments in progress, please follow these steps:

  1. In the Payments submenu, click on Payment Receipts.
  2. In the Payments in Progress section, locate the payment you want to cancel and click on the Delete icon (trashcan).
  3. Click on Yes to confirm that you want to delete the payment. Then, you will see the message Payment Has Been Deleted.
• How can I confirm a TelePago payment?

  When you complete your payment, you will see a confirmation screen that shows the transaction’s details, including confirmation number, effective date, amount, and payee paid. This screen will give you the option to print a receipt with the payment confirmation details. You will also be able to see the payment in your profiles at Mi Banco and Mi Banco Mobile.

• How can I register a transfer in TelePago?
  • Banco Popular allows you to transfer funds between your Banco Popular accounts and other designated accounts. Transfers are processed on business days (Monday to Friday), except federal holidays. Although the Bank offers service to the public on some Saturdays, Sundays and holidays, these are not considered business days. Any transfer requests received on or before 5:00 p.m. of any business day will be processed on the same day it is received. If your instructions are received after this time or on any non-business day, they will be processed on the following business day. However, depending on the nature of the transaction, funds may be available immediately.
  • To make transfers between your accounts using Mi Banco Online:
    1. Login to Mi Banco Online.
    2. On the left column, under Transfers, click on Make Transfers.
    3. Choose the transfer among Frequent Transfers or Transfers between Other Accounts. Select FROM: ACCOUNT, TO: ACCOUNT, DATE, AMOUNT and FREQUENCY.
    4. Then click on Continue.
    5. The system will ask you to confirm if the information is correct, and then click on Transfer. Once the transfer is processed, you will receive a confirmation with a reference number.
• What kind of transactions can I make using TelePago?

  You may conduct the following transactions through TelePago:

  1. Make electronic payments to over 5,000 available payees
  2. Schedule future payments
  3. Transfer funds immediately between Popular accounts
• Is there a limit on TelePago transfers?

  For personal accounts, the transfer limits are as follows:

  • At our ATMs, cash withdrawals from your transaction or savings account may not exceed $500 per day. In Popular Plus and Private Management accounts, the maximum will be $1,000 per day.

  The following applies to real-time transfers of funds (debit or credit) using the TelePago Popular service and Mi Banco:

  • Transfers between accounts in which the customer is a signatory: In the individual checking and savings account you can transfer a maximum of $10,000 in debit and $10,000 in credit, for a maximum of $20,000 per day.
  • Transfers to Third Party Accounts: In the individual checking and savings account you can transfer a maximum of $2,500 in debit and a maximum of $2,500 in credit, for a maximum of $5,000 per day in deposits.
  • Private Management Account: On transfers between accounts in which the client is a signatory or transfers to third party accounts, the number of daily transfers is unlimited.
  • Business accounts have no transfer limits.
• How long does it take for a TelePago transaction to post?

  Any payment or transfer made before 5:00 p.m. on a business day will be processed after midnight that day and will post in the morning. However, any payment or transfer made after 5:00 p.m. on a business day, a holiday or during the weekend will be processed after midnight on the next business day and will post in the morning.

• What is Retiro Móvil?

  Retiro Móvil is a service that allows you to withdraw cash at participating ATMs without using your Popular debit card. With Retiro Móvil you can also send cash to whoever you want, even if they don’t have a bank account. Just download the Mi Banco Mobile app and stop by one of our ATMs.

• How does Retiro Móvil work?

  Retiro Móvil allows you to schedule sending and receiving withdrawals using a mobile device or tablet equipped with iOS (iPhone, iPad, iPod Touch) or Android operating system; these withdrawals can be redeemed at participating ATMs. You have the option to schedule a withdrawal and redeem it or send it to someone else; just enter the phone number or select it from the list of contacts on your device.

• How can I identify which ATMs have Retiro Móvil?

  To find participating ATMs where you can complete your transaction using Retiro Móvil, go to: http://popular.com/retiromovil-atms.

• How do I start a transaction in Retiro Móvil?

  To start a Retiro Móvil transaction, please follow these steps:

  1. Login to the Mi Banco Mobile app.
  2. Select Retiro Móvil on the main screen to schedule a withdrawal.
  3. Choose the account from which you want to withdraw (this account must have an activated ATH debit card and/or ATH International debit card; otherwise, the app will not allow you to continue).
  4. Choose the amount you want to withdraw from those provided on the list.
  5. Click on For Me if you are scheduling a withdrawal for your personal use or click For Another if you wish to send the withdrawal to someone else. Remember that you have the option to select a phone number from your device’s contact list. If you’d like, you can enter a message or brief description of the transaction you are conducting.
  6. Click on the Continue button to confirm the transaction. The app will give you a transaction confirmation with the information according to the scheduled withdrawal: Retiro Móvil For Me.
  7. Click on the Scan button once you are in front of the participating Banco Popular ATM.
  8. Continue following the detailed instructions. In case the transaction is for another person, click on the option of Retiro Móvil For Another.
  9. Click on the Send Retiro Móvil Information button to send a message to the phone number programmed to make the withdrawal. This message will include a link that will redirect the person to an instructions page that will help them withdraw the cash. This message may be edited, and you can include additional text.
• How do I redeem a Retiro Móvil transaction using a Banco Popular ATM?
  • To redeem a Retiro Móvil transaction through an ATM, please follow these steps:
    1. Locate the participating Banco Popular ATM.
    2. Go to http://popular.com/retiromovil-atms to see the participating ATMs where you can complete your mobile withdrawal.
    3. Select Retiro Móvil on the ATM’s main screen.
    4. The ATM will show a QR code on its screen; scan it using the Mi Banco Mobile app.
    5. Log in to the Mi Banco Mobile app and click on the Retiro Móvil option on the main screen.
    6. If you are a Popular customer, the app will show you the screen to schedule a withdrawal.
    7. On the upper right side of the screen, you will see the Withdrawals option with the number of pending withdrawals.
    8. Click on this option.
    9. If you are not a customer, the withdrawal history will be displayed on your main screen.
    10. The withdrawals available to redeem will appear in the Withdrawals in Progress section.
    11. The scheduled Mobile Withdrawal will be displayed on the My Withdrawal section.
    12. Click on your withdrawal’s information and the system will automatically open the screen to scan the QR code.
    13. Bring your device close to the ATM and position the screen so the QR code is centralized within it; this will allow the scan to begin. The ATM will dispense the cash once the process is complete.
  • Once you get the cash, the transaction will be deemed as completed. If you are a Popular customer, you can see the withdrawal’s digital receipt in your history; just press the Withdrawal option found at the top of the Retiro Móvil main screen. If you are not a customer, the digital receipt will be available in the History section from the main screen.
• Is there a limit on withdrawals I can make in one day using Retiro Móvil?

  The limit on how much you can send is $500 per day or $1,000 for customers who have a Banco Popular Premium account. Money is sent in multiples of $20 (up to a maximum of $500 per transaction). Withdrawals made using Retiro Móvil are added to the total number of withdrawals you make during the day using your ATH debit card. For example, if the daily limit for ATM withdrawals on your Banco Popular debit card is $500 and you withdraw $100, then you will only be able to send or withdraw a maximum of $400 using Retiro Móvil from that same account on that day.

• A withdrawal programmed through Retiro Móvil, how long is it valid?

  All scheduled transactions will be valid for a period of 24 hours after they were issued. A transaction will be canceled if it is not redeemed during that period. A customer may cancel the transaction at any time during those 24 hours if the withdrawal has not been redeemed yet.

• What is the limit on amounts I can send and withdraw using Retiro Móvil?

  The limit on how much you can send per day is $500; the limit for clients who have a Private Management Account is $1,000. Money is sent in multiples of $20 (up to a maximum of $500 per transaction).

• How many withdrawals can I schedule at the same time using the Mi Banco Mobile app?

  Only one transaction can be scheduled at a time if the withdrawal is for personal use. However, the app will allow you to schedule multiple withdrawals when sending money to others.

• What happens if my mobile phone is lost or stolen?

  If your mobile phone is lost or stolen, all the banking information in the Mi Banco Mobile app is protected by your username and password.

• How secure is the Retiro Móvil service?

  The Retiro Móvil service is designed to be secure for its users. When requesting a withdrawal, you must login to the Mi Banco Mobile app with your username and password. In some devices it is even necessary for the customer to complete a fingerprint authentication process prior to initiating a transaction. If you are not a customer, you will need to enable the security passcode. When redeeming a withdrawal at a participating ATM, you need to scan the QR code with the Mi Banco Mobile app installed on your device.

• Is Retiro Móvil available for business accounts?

  Yes, Retiro Móvil is a tool that is available for both individual and business accounts.

• How can I change from Mi Banco Online to Mi Banco Comercial?
  • To enroll in Mi Banco Comercial from Mi Banco Online please follow these steps:
    1. Go to the Banco Popular website: popular.com (desktop version).
    2. Select Mi Banco Online from the options located at the top right.
    3. Enter your username and password to login to Mi Banco Online.
  • NOTE: If you used the B-Smart® commercial account to register at Mi Banco Online, you will automatically be shown a screen with the option to use the Mi Banco Comercial service. On this screen, click on Accept the Terms and Conditions of the service. The page will automatically update and take you to the main page of Mi Banco Comercial, completing the process. The password and username to login to Mi Banco Comercial will continue to be the same as the one you had at Mi Banco Online.
  • If you registered at Mi Banco Online using your individual account and you also have a related B-Smart® business account, you will be able to enroll in the Mi Banco Comercial service through the Account Services section on the left menu.
    1. Select the option Mi Banco Comercial Registration.
    2. Choose the business account for the service, accept the Terms and Conditions, and press Submit to complete the process.
  • After going through these steps, you will complete the process. You may start using the platform and enjoy its benefits.
• I am blind. How can I use this service?

  You can use this service through an accessibility tool that interprets the content of the page.

• I made a deposit. How long does it take to post to my account?
  • Regulation CC of the Federal Reserve Bank requires banks to make deposits available within a certain period of time. Depending on the type of deposit, the money may be available the same day, the next business day, or after several business days; in most cases, the longest delay is seven business days after the deposit date. During the deferment period, if any, you will not be able to withdraw the funds in cash and the Bank will not use the funds to cover payment orders issued by you. Banco Popular establishes limits for the availability of funds in accordance with the minimum amounts required by Regulation CC1.
  • For more details on the availability of funds, please refer to the disclosure regarding the availability of funds deposited in the account (CC Regulation) in your Business Deposit Account Agreement.
• How does Mi Banco Alerts work?
  • Mi Banco Alerts is a service you can activate to receive an email or a text message every time you make a payment, conduct a transaction, or check your account balance.
  • Banco Popular will not charge your bank account or your mobile phone account for these services. For information on data plans and charges associated with text messages, please check with your cellular service provider. Text message charges depend on the plan you have contracted with your cellular service provider.
• Can I schedule alerts for Mi Banco Comercial?
  • Yes, one of the benefits Mi Banco Comercial offers is sending alerts for payments, transfers, and balances. Notifications are sent via email or text message.
  • Banco Popular will not charge your bank account or your mobile phone account for these services. For information on data plans and charges associated with text messages, please check with your cellular service provider. Text message charges depend on the plan you have contracted with your cellular service provider.
• Can more than one person receive the alerts?

  No, only the person registered in Mi Banco Comercial will be able to receive alerts through the number and/or registered email.

Now, Mi Banco Comercial offers the option to export reports on your transactions and balances to QuickBooks®, making the accounting process easier for your business and the management of your finances, with no additional cost.

How to export data to QuickBooks® from Mi Banco Comercial:

1. Log in to Mi Banco Comercial using your Username and Password, as usual.
2. Click on the Account Services option on the left menu of Mi Banco Comercial’s main page.
3. Once you are in Account Services, click on the Export Transactions option.
4. Select the account from which you wish to export your transactions.
5. You have two options for exporting your transactions:
   • You can export all of your transactions, or select a specific range of dates.
   • To export all your transactions, select Download all transactions of as shown below.
6. To export from a specific range of dates, you should identify the start date (“From”) and the end date (“To’) of the desired range.
7. Next, choose the format of the file to export: Intuit QuickBooks®.
8. Click on the Download button.

Once you are in QuickBooks®

1. Access QuickBooks® and select the option File>Utilities>Import>Web Connect Files.
2. Select the file (.qbo) that you obtained from Mi Banco Comercial.
3. Choose the account configured in QuickBooks® where you will place the transactions and click on Continue.
4. A message will appear on the screen confirming that the data was succesfully transferred.
5. Sample: Checking Account.

To export reports, you must have access to QuickBooks® 2013 or recent versions. QuickBooks® is a registered trademark of Intuit Inc.

• Contributions are tax-deferred until the time of distribution.
• Contributions are flexible and can be adjusted to meet your circumstances.
• The plan is a smart way to save for your retirement because of the tax deferral on your contributions, and the matching contribution you may receive from your employer.

The assets in the plan are held in a trust. The employer names Banco Popular as plan's trustee to safeguard and invest the plan's assets according to the participant's or the employer's instructions.

• Retirement at the established age, according to the plan.
• Early retirement.
• Death.
• Disability.
• Termination of employment
• Hardship, as defined by each retirement plan.

Employer's contributions to a retirement plan are tax deferred until they are distributed to you. The money you contribute to the 1081.01 (d)/401K plan is tax-exempt, until you withdraw the money from the plan. This constitutes a significant tax saving.

For example, if your annual compensation is $12,000 and you contribute $100 per month to the plan, or $1,200 per year, you will save the taxes that would otherwise be due on that $1,200. If your effective tax rate is 12%, you will obtain a savings equal to that rate, or $144 ($1,200 x 12%) in taxes.

At the end of the year, when you receive your W-2 form from your employer, the amount you contributed to the plan during the tax year will be deducted from the amount you will report as taxable income for the year. In other words, you will only pay taxes on $10,800 of your $12,000 in compensation. That's why it is advantageous to contribute as much as possible to the plan, within the limits established by law, to maximize your tax savings.

• Review the daily balance of your account
• Change your investments
• Obtain general information about your plan
• Obtain the historical returns of the funds offered in your plan
• Verify your available balance for loans and withdrawals, if the plan allows it
• Calculate monthly payments on amounts you wish to borrow, if the plan allows for loans
• Change your investments to match your objectives

• Access your account balance
• Obtain general information regarding the plan
• Obtain the historical returns of the funds offered in your plan
• Verify available amount for hardship withdrawals and loans, if the plan allows them
• Calculate monthly payments on loan amounts, if the plan allows for loans
• Change your investments to match your objectives

• Helps increase employee loyalty
• Provides an incentive for saving
• Matching contributions paid to employees may be deducted from Employer taxes, as permitted by the law.

• Plan Design.
• Record-Keeping for Participants' Accounts.
• Detailed Reports.
• Educational Program for Participants.
• Customer Support.

The Popular Master Plan will help you simplify and reduce the costs of implementing and operating a plan. It makes this possible by providing a plan already in operation and qualified by the Puerto Rico Treasury Department. By using the bank as a trustee and record-keeper of the plan participants' accounts, all the services are consolidated under one institution, thereby increasing the efficiency of the plan's administration.

With the Popular Master Plan, we simplify the design and reduce the implementation and operational costs of your defined-contribution retirement plan by:

• Handling the qualification of the Plan with the Puerto Rico Treasury Department.
• Assisting you in the design and establishment of an appropriate investment policy to help you meet your fiduciary responsibility.
• Processing plan distribution payments to participants.
• Preparing the trust and/or participant's tax reports for the Puerto Rico Treasury Department and Form 5500.
• Offering educational programs to participants, and much more.

Our service does not end with the sale. Once a plan is established, you are assigned an account officer to assist you in the administration of your plan. Also, both our Retirement Plan Specialists and our Investment Group will provide support in various areas, such as record-keeping, plan administration and evaluation of the results and characteristics of the investments available under the plan.

We offer support in various areas after the adoption of the plan: Plan Conversion, Plan Review, Training, and Educational Program to Participants.

• Plan Conversion: Whether you have an existing individual plan or one under the Popular Master Plan, our team of Retirement Plan Specialists will help you review, evaluate and identify the legal and/or operational elements that need to be added, eliminated or amended in your plan.
• Plan Review: Once the Plan is established under the Popular Master Plan, our Retirement Plan Specialists review all related documents to ensure that the plan remains in compliance with the applicable legal requirements and that administrative procedures are kept up-to-date to facilitate the administration of the plan.
• Training: Our Retirement Plan Specialists train the personnel in charge of administering the plan, explaining their responsibilities and procedures in the implementation and administration of the plan.
• Educational Program to Participants: At your request, we can also provide educational and enrollment presentations to employees about the plan's general terms, possible changes, and investments

• What is Popular Premium?
  • Popular Premium is a program for customers who maintain an average annual balance in deposit and/or investment products of $100,000 or more in Popular. Additionally, customers who deposit $180,000 or more per year into their personal accounts are eligible. Customers with deposits and/or investments of $500,000 or more, or who deposit $600,000 or more per year into their personal accounts, may qualify for the Popular One program.
  • The program offers unique benefits such as an exclusive deposit account, interest rate discounts on personal loan and auto financing, special bonuses, preferential services, and other offers.
• What benefits does the exclusive Popular Premium deposit account offer?
  • The exclusive Popular Premium deposit account has no monthly service fees, the bank does not charge fees for withdrawals at non-Popular ATMs, the first basic check order is free, and there are no fees for stop payments and checks.
• What loan discounts does Popular Premium offer?
  • Popular Premium offers discounts on auto financing interest rates
  • Popular Premium also offers a reimbursement of up to $500 in appraisal fees for your mortgage.
  • Special discounts on personal loan interest rates
• What special bonuses does Popular Premium offer?
  • Popular Premium offers an exclusive monthly bonus of 1,000 points or miles per cycle, after $5,000 in net purchases with a Popular credit card with an annual fee.
• What premium services does Popular Premium offer?
  • Popular Premium also provides access to Premium Bankers and certified professionals who offer guidance to help you achieve your financial goals.
  • Popular Premium also offers agility in branches, coordinating your appointment for services at the branch of your choice and at the time that suits you best, within the branch’s business hours.
  • Additionally, Popular Premium offers support in acquiring a property or car, with continuous communication during the mortgage loan application process and counseling during the auto loan application process.
  • Popular Premium offers exclusive assistance for your banking transactions, including issues with your deposit account, opening IRAs, Certificate of Deposit, credit products, and claims processes, through 787-PREMIUM (773-6486).
• How can I contact Popular Premium?
  • You can contact Popular Premium by calling 787-PREMIUM (773-6486), where they will assist you with all your banking and financial needs.
  • You can also request a call by completing the form with your contact information, and one of our representatives will assist you.
  • The form can be accessed from the Contact Us button on the Popular Premium website.
• Do I have to pay any fees to be part of the program?
  • No, the program is free for eligible clients.
• I don’t have the Popular Premium account, can I still be part of the program?
  • It is not required to have the Popular Premium account to be part of the program.
• How can I obtain the services of a Premium Banker?
  • If you don’t have an assigned banker, you can contact us, and we will coordinate an appointment with a banker for you.
• What happens if I no longer meet the balance and/or deposit requirements to be part of the Popular Premium program?
  • We will periodically review your accounts to maintain your eligibility in the program. After the evaluation, if you do not meet the requirements, you will stop participating in the program and if you have a Popular Premium account, it will automatically be converted to a Multicuenta Popular®.
• If I request to change my account to a Popular Premium account, will the account number change?
  • No, the account number does not change.
• Once I have a Popular Premium account, can I change it to another account?
  • Yes, you can change the Popular Premium account to any of the eligible accounts. The change can be processed at the Popular Premium Service Center or by visiting one of our branches.
• How should I request preferential branch service?
  • You can use the line identified as the Referral Line and identify yourself as a Popular Premium client. You can also coordinate your appointment for services at the branch of your choice and at the time that suits you best.

FDIC Member. Products and services offered by Banco Popular de Puerto Rico.

Does the program have any cost?

The Popular at Work program is free of charge for both the employer and their employees.

Do the workshops offered by the Educational Program have any cost?

The workshops we offer are free of charge.

How many workshops can I coordinate for my employees?

There is no limit to the number of workshops that can be coordinated. You may choose one or all topics from the Educational Program, subject to resource availability.

Is there a minimum number of participants required to offer a workshop?

Yes, we request a minimum of 25 participants per session.

In what format can the workshops be delivered?

The workshops are offered in virtual, hybrid, and in-person formats. For a better learning experience, we recommend in-person sessions.

Besides workshops, what other services do you offer?

We coordinate orientation tables where we serve employees individually during their break period.

What are the service hours?

Our service is not limited to a specific schedule. We are available to serve at any time. We can coordinate workshops and orientation tables for all work shifts at your company.

Does the company need to have a commercial business relationship with Popular, Inc.?

To enjoy the benefits and services of the Popular at Work program, it is not necessary for the company to have a commercial business relationship with Popular, Inc.

Do my employees need to have a business relationship with Popular, Inc. to enjoy the program’s benefits?

To enjoy the benefits and services of Popular at Work, it is not necessary for employees to have a business relationship with Popular, Inc.

In what language are the workshops offered?

All topics within the Educational Program are available in both Spanish and English.

• 1. What information do I need to submit a document request?

  To submit a request, you will need the following personal information:

  • Name
  • Last name
  • Last 4 digits of your Social Security number
  • Date of birth
  • Vehicle’s license plate number (for documents related to your car loan or lease)
  • Account number (for documents related to your deposit account)
• 2. Does this service have a cost?

  The service is free of cost.

• 3. Where can I get the document once I request it?

  You will receive the document in the email you have registered in Mi Banco.

• 4. I don't remember my deposit account number. Where can I get it?

  You can find your account number in:

  • Electronic account statements (E-statements) or the printed account statements
  • Documents obtained in the account opening process
  • Your checkbook
  • By visiting one of our branches

  For the safety of our customers, TeleBanco Popular ® does not provide account numbers over the phone.

• 5. How do I activate the electronic deposit account statements (e-Statements)?

  You can activate the electronic account statements through Mi Banco Online (desktop version). On the Accounts menu, go to “Account Services”, and under “Accounts Statements” select “Activate e-Statements”. Locate the deposit account whose statements you want to view and select “deactivated”.

• 6. What documents can I request through this platform?

  Documents related to your auto loan:

  • Conventional Loan Settlement Balance Letter
  • Certification of Conventional Loan Cancellation
  • Certification of Leasing Cancellation

  Documents related to your checking or savings account:

  • Active account certification
  • Certification of active account balance

  Deposit account documents (checking and savings) may be requested for all accounts except for Savings Regular Passbook and Savings Veterans accounts.

• 7. How can I confirm and/or update the email address I have registered in the systems?

  You can confirm your registered email address through Mi Banco, using the desktop version or the mobile app:

  • Desktop: Login to Mi Banco; after accessing your profile, select the “My Information” option and under “Contact Information” select “Edit Email”. Your email address will be listed, if you want to update it press “Edit email” and enter your new one. To view step by step how to edit your email address from the desktop version, click here.
  • Mobile: Login to Mi Banco Mobile and click on the “More” option in the menu. In the Settings section, choose the “Edit Email” option. Your email address will be listed, if you want to update it, enter your new address in the provided fields. To view step by step how to edit your email address from the app, click here.
• 8. What instances cannot be processed through this platform?

  The following instances must be processed with a call to TeleBanco Popular ® or by visiting a branch:

  • If you have undergone or are currently going through a fraud process and you were assigned a security code.
  • If you are not registered in Mi Banco; since the email to which documents are sent is the one used when registering at Mi Banco.
  • If you are requesting a Popular Auto document and you are going through a bankruptcy process.
• 9. How do I know if a security code has been assigned to my account?

  A security code is assigned on instances involving customers who have undergone or are undergoing investigation in a fraud-related case. The Bank gives customers the option of establishing this security code. If you cannot remember if a security code has been assigned to you, please call 787-724-3659 to talk with one of our customer service representatives.

• 10. What will my access code be?

  Your access code will be different each time you request a new document. You will receive this access code within the email confirming the document request.

• 11. I am a co-signer of a motor vehicle; can I request documents related to my car loan?

  The only person who can request documents through the platform is the principal in the car loan.

• 12. I have not received an email after submitting my request. What should I do?

  If you don’t receive an email within 24 hours:

  • Call TeleBanco Popular® at 787.724.3659 for your deposit account documents or 787.792.9282 for your auto loan documents
  • Visit your nearest branch
• 13. Approximately how long will it take for my document to arrive via email?

  The amount of time it takes to receive documents varies according to the volume of requests. The confirmation email and the email that includes a link for you to download the document will take no more than 1 day.

• 14. How can I download and/or save the document?
  • The document can be downloaded and saved once you access the link sent via email.
  • By clicking on download, your document will be downloaded to the files on your electronic device.
• 15. Where can I find other documents not offered to me on this platform?

  For other documents, please call 787-724-3659 or visit your nearest branch.

• 16. Is there a cutoff time to submit requests?

  To receive the document on the same day, you must submit a request before 8:00 p.m. Otherwise, your request will be processed after 5:00 a.m. of the next day.

• 17. I would like to request documents associated with my mortgage loan. Where can I get them?

  For Popular Mortgage related documents, please click here.

• 18. What date will appear on my auto loan balance?

  The balance of your loan will be valid up to 15 days after requesting the document and the balance would be generated on that date.

• 19. Can I request balances at a particular date?

  If you need documents showing a loan balance on a particular date, please call 787-724-3659 to make your request though one of our customer service representatives or visit your nearest branch.

Easy deposit is a free service that lets you make check and cash deposits at ATMs without envelopes or deposit slips. You also receive a receipt with the scanned image of the check deposited or the amount of your cash deposit. It is the easiest and most convenient way to deposit checks and/or cash. View complete list of branches with Easy Deposit. 

Our policy does not allow deposits with:

• Double Endorsement
• Deposits to accounts whose signee (s) is not the same company who wrote the check
• Coins
• Travelers Checks
• Savings Bonds
• Copies of checks - Although the ATM accepts this type of deposit, one of our representatives will contact you or you will be receiving the check by return mail.

For a complete list of branches, please visit our locator.

You can make deposits at any time at ATMs that have 24-hour access and are not inside a branch. Remember that every transaction made after 6 p.m. will be processed the next business date. For details on the availability of funds please refer to your Deposit Account Agreement.

Common reasons an ATM does not accept some checks are:

• The routing and transit number is not encoded with magnetic ink. (The cashier cannot recognize checks without magnetic ink, as in the case of checks printed out of the house)
• The routing and transit number of the check is invalid
• The check image or cash cannot be detected properly

The ATM will confirm that your check has been processed. However, these deposits are subject to verification. If the deposited check does not meet one of the following criteria, it can be rejected and will be returned:

• Missing signature of the check drawer.
• Check is from an International Bank or unknown Institution
• Double endorsed check
• Check altered
• Numerical amount not in conformance with the amount in words
• The amount written on the check does not match the amount the receipt indicates

How much cash can I deposit at once?

You can insert up to 50 bills at once, per deposit transaction.

Is there a limit on the amount of the bill to de deposited?

You can deposit up to $100 bills. We do not accept bills larger than this amount.

When are cash funds available?

The total amount of cash is instantly available for purchases or withdrawals with your ATH.

Why do ATM’s return the bills?

The most common reason is that the bills may not be in good enough condition in order to be accepted or validated through the Easy Deposit ATM.

You can make payments after branch business hours if there is 24/7 ATM access.

There are 3 ways to use or Locator: in a computer, mobile web app or using Mi Banco App. Popular’s new locator service helps you find branches and ATM’s in Puerto Rico and Virgin Islands, based on your current location. Allow your browser to provide your location, then search for a city or zip code, or select a region.

Using your computer or mobile web app:

1. 1. Open your web browser and click on the following link: http://locator.popular.com

2. You have two search options:

   • Search Bar: Search by city, zip code or location name
   • Filters: Search by the services offered in the branches or ATM’s Click on the name for more detailed information of your chosen branch or ATM. You may view its address, phone number, service hours and driving directions.

Using Mi Banco App:

1. Open the icon of www.popular.com.
2. Choose your location (Puerto Rico or Virgin Islands)
3. Select Branch + ATM Locator
4. Choose By Municipality or Near Me
• If you choose By Municipality, the next screen will show a list of cities in Puerto Rico. Choose the one you prefer, and you’ll get a list of all the branches located there, with their street address, service hours and phone numbers.
• If you choose Near Me, you’ll get a map with the branches and ATM’s near you. Branches are identified with the bank’s logo and the ATM’s with a dollar sign.

1. Make sure that the operating system you're using Apple's iOS8 onwards
2. Remember to download the latest app update.
3. Access settings and confirm Touch ID.
4. Active Touch for Mi Banco as part of the settings.
5. Log in to Mi Banco Móvil and select the option to remember your account details. You must do this for both the user name and the password.
6. The next time you enter, and you can access your accounts with your digital mark.

You must have a credit card, checking or savings account with Banco Popular, and be registered at Mi Banco Online using the same connection information (user name and password).

Tip: To ensure that the App will work properly, your iPhone® should have the Safari browser and operating system 3.0 or higher.

To change the App’s language on your iPhone® App, go to the Settings section on your mobile, look for Mi Banco Mobile App and go to Language, choose the language you prefer – English or Spanish. On Android™ App, under Application Settings go to Language and choose the language you prefer. To apply this change, the App will restart.

Blind people may also use Mi Banco Mobile App with the Voice Over technology. For a safer experience, you should know that it is very important to use earphones when activating the Voice Over technology. A voice will be saying every request you make to Mi Banco Mobile (balance information, account transfers, etc.)

On iPhone®

Settings > General > Accesibility > Voice Over ON

On Android™ 1

Settings > Accesibility > Talk Back. Once you have activated this feature, you are ready to use Mi Banco Mobile with voice assistance.

1May vary by Android devices.

iOS® & Android™ Widgets for Mi Banco Mobile

• With Widgets for iOS® and Widgets for Android™, you can see your balances in real time by just swiping down from the top screen.
• Your balances will update when you open the Notification Center on iOS® or when you press Refresh on the Android™ Widget.

How to use Mi Banco Mobile widgets on your iPhone® and iPod Touch®?

To enable the widget on your iPhone® and iPod Touch®, you don’t have to install anything separately. Follow these steps and get quick access to your balances and accounts:

1. Unlock your iPhone® if it is password protected.
2. From the Home Screen, swipe right to land on the Today View (Widget screen).
3. Select “Edit” on the bottom of the screen, then scroll down and tap “Customize”.
4. In the “Add Widgets” screen, select the + button next to the “Mi Banco” widget.
5. The first time, you will have to login to Mi Banco Mobile app to confirm the sync.
6. Now you can view your balances anytime in real time, just by swiping down from the top screen. Your balances will update when you open the Notification Center.

How to install the Mi Banco Mobile widget on your Android™?

1. Press and hold a blank space on your home screen, then tap Widgets.
2. Scroll down until you reach Mi Banco Mobile’s widget and select it.
3. Once you place the widget into the home screen, log in (on the widget) using your username and password.

We are sad to see you go, but we understand if you no longer need to use Mi Banco.

To remove your profile, please call the Internet Banking Support Group at 787-724-3655 and request the removal of your Mi Banco profile.

Android mobile app

To contact the Internet Banking Support Group directly from your Android mobile app, follow these steps:

1. Log into Mi Banco Mobile.
2. From the bottom navigation bar, select “More”.
3. Scroll down to find “Profile” and select the option to “Remove profile from Mi Banco”.
4. From the “Profile Removal” dialog, tap “Call Now” to connect with the Internet Banking Support Group and request the removal of your Mi Banco profile.

iOS mobile app

To contact the Internet Banking Support Group directly from your iOS mobile app, follow these steps:

1. Log into the Mi Banco Mobile app.
2. From the bottom navigation bar, select “More”.
3. Scroll down to find “Profile” and select the option to “Remove Mi Banco profile”.
4. From the “Profile Removal” dialog, tap “Call Now” to connect with the Internet Banking Support Group and request the removal of your Mi Banco profile.

Once your Mi Banco profile is removed, the user profile data will be deleted and you will no longer be able to access Mi Banco (desktop or mobile). Please note that the removal of your Mi Banco Mobile profile does not close your existing relationship(s) with the Bank.

Banco Popular de Puerto Rico complies with the data retention policies, as required by US banking regulations.

With Samsung Pay you can do purchases in almost any store that accepts the ATH International Visa because it uses two types of technology, NFC (Near Field Communication) and MST (Magnetic Secure Transmission).

• NFC – Is the technology used to make transactions without contact or "contactless" in which the mobile sends the information in the token wirelessly to the terminal. In Puerto Rico, there are a limited number of stores with terminals that can accept this type of transaction.
• MST – Is the technology used to transmit token information wirelessly to terminals that only read magnetic stripe or contact chip cards. Most of the terminals in Puerto Rico process transactions this way.

To pay with Google Pay (NFC) search these logos in your favorite stores:

You can use Samsung Pay if you have one of the following Samsung devices:

• Galaxy S8
• Galaxy S8+
• Galaxy Note 8
• Galaxy S7 edge
• Galaxy S7
• Galaxy S6
• Galaxy S6 edge
• Galaxy S6 edge+
• Galaxy A5 or newer

• A mobile device compatible with the digital wallet you want to use provided or activated with a mobile phone company that supports the service. A security mechanism, fingerprint or PIN, must be activated in the device.
• Take a picture of your valid International ATH® VISA debit card and confirm the security code.
• At the Call Bank screen, a call is generated to Telebanco Popular and with a Bank Representative you can authenticate and activate the token.
• To authenticate and activate the token using the Banking App option:
• Mi Banco Mobile app and the fingerprint to access it must be configured previously. When selecting the Banking App option, the Mi Banco Mobile app screen will appear and ask you to use your fingerprint for authentication. Once the application validates the fingerprint, the token will be activated.
• If the fingerprint was not configured to access the Mi Banco Mobile app and you wish to authenticate and activate the token through the app, the fingerprint must be registered first and wait 72 hours. After this period, the token activation and authentication process must be completed using the Banking App function. Once Mi Banco Mobile appvalidates your fingerprint successfully, the token will be activated.
• For Samsung Pay you need to have an account in Samsung.
• For Google Pay you need to have an account in Google Play. The same process applies if you decide to enroll a Visa or MasterCard credit card.

Adding your Visa and MasterCard credit cards from Banco Popular to Android Pay is easy. Just tap on the Android Pay icon in your mobile and follow the instructions provided.

1. Open Mobile Wallet and press the + sign located in the lower right corner to add your credit card.
2. Accept the Terms and Conditions.
3. Take a photo of your card or enter your card’s number.
4. Confirm the information.
5. Once you reach the Call Bank screen, press the button to initiate a call with our Customer Service Center as an authentication method.

• A mobile device active with a cellular company. You should have your security mechanism activated (fingerprint or PIN)
• Your physical credit card Visa or MasterCard - you’ll need to take a picture and confirm your security code.
• Your mobile phone number in our systems – this will make easier the authentication process before activating your token. Or you could call or Customer Service number. Both options will be available during the process.
• For Android Pay, you’ll need an account in Google Play.
• For Samsung Pay, you’ll need an account in Samsung.

The deposit will be available based on the Bank’s availability policy. The availability process will be the same one used for a deposit made at a branch. For more details about the Bank’s availability policy, please click here.

Checks deposited before six in the evening (6:00pm) on business days will be processed the same day, subject to verification and validation of the deposit. After six in the evening (6:00pm) on business days or on non-business days, the deposit will be processed on the next business day.

If you are signed up for Mi Banco Online, download the latest version of Mi Banco Mobile app (available for iPhone®, iPad® and Android) and if you are eligible, the deposit checks option will appear in the main menu and you can use the service. Certain eligibility criteria have been established:

• You must be signed up for Mi Banco Online with a personal account.
• You must have at least one eligible account that has been in service for more than 4 months
• You must have maintained your banking relationship in accordance with the parameters established by Popular

Eligibility for customers will be evaluated monthly.

For more information, call TeleBanco Popular® at 787.724.3650 or 1.888.724.3650 or visit popular.com/en/easy-deposit/mobile/.

Part of the evaluation criteria for being part of the service are:

• Being signed up for Mi Banco Online (to use the service, you must download the My Mobile Bank app).
• You must have an eligible individual deposit account open for more than 6 months and have a history of using it properly.

If you meet the criteria, you only have to download the latest version of the Mi Banco Online app and you will see the Deposit checks option on the main menu.

If you are an eligible customer, when you download the latest version of the My Mobile Bank app, you will see the Deposit checks option on the main menu. If you have it, you can begin enjoying Mobile Easy Deposit.

When you download the app, if you are an eligible customer, you can access the service through the Mi Banco Online app. In the main menu, select the Deposit checks option.

• $10,000 daily and per check.
• Monthly limit is up to $20,000. The monthly cycle will begin 25 business days from the date of the last deposit made through this device.