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Important Popular Direct overdraft fee changes.

Starting Tuesday. October 11, 2022, we’re making changes as it relates to overdrafts for savings accounts.

Good news about our upcoming Popular Direct overdraft changes.

Effective October 11, 2022, we are making changes to our overdraft policies for savings accounts, including eliminating returned non-sufficient fund (NSF) fees. These changes will allow you to focus on the things that matter to you.

What is an overdraft?

An overdraft occurs when at the end of the business day we determine that your account does not have enough available funds to cover a transaction.

We will continue our overdraft policies of either returning the item unpaid or paying it and overdrawing your account. Starting October 11, 2022, some fees and practices associated with our overdrafts for savings accounts will be changing.

What you need to know.

Description Current amount As of 10/11/2022
Return Item NSF Fee1 The fee charged if we return or decline an item when there aren’t enough funds in your account to cover a transaction. $10 fee
per item		 $0
Overdraft NSF Fee1
(Staying the same)		 The fee charged if we pay a transaction and your account is overdrawn. $10 fee
per item		 $10 fee
per item
Balance threshold to avoid Overdraft NSF Fee1 There is no fee if your account is overdrawn by this amount or less. $5 $50
Maximum number of Overdraft NSF Fees per business day1 The daily limit of overdraft fees you will be charged. 5 items 3 items

Answers to common questions.

What is an overdraft non-sufficient funds (NSF) fee?

The fee charged when a transaction is paid, and your account is overdrawn.

Please refer to the Popular Direct Guide for Popular Savings accounts for specific fee information.

When will an overdraft fee post on my account?

Overdraft fees are posted on the business day after an overdraft occurs on an applicable Popular Direct Savings account. Please refer to the Popular Direct Personal Banking Agreement for more information.

When is a transaction paid or declined?

Whether we return or pay the item is discretionary and depends on several factors, including if your account is in good standing or if excessive overdrafts have occurred in your account. We do not guarantee that we will always authorize and pay any type of transaction.

Please refer to the Popular Direct Personal Banking Agreement for more information on how we pay overdrafts.

We’re here to support you.

If you have questions about the Popular Direct overdraft changes, our Customer Care Center is here to help. Call us at 1-800-274-5696, or sign in to your account to use secure messaging.

View our Popular Direct Guide for Popular Savings accounts for specific fee information.

Call the Customer Care Center if you have questions about these changes.
1-800-274-5696

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Disclosures

1 Please refer to the Popular Direct Savings Account Product Disclosures for details about how we pay overdrafts.

All Popular Direct deposit products are offered by, and will be opened through, Popular Bank. All balances for Popular Direct and Popular Bank deposits would be combined for purposes of determining FDIC coverage eligibility. Deposit products and services are offered by Popular Bank. Popular Bank is a Member FDIC institution. Your deposits are insured, in aggregate, up to $250,000 per depositor, per insured institution, based upon an account ownership type by the FDIC. You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories. For more information, please refer to: FDIC.gov.

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Please note: We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.

Please note: For the first 70 days following account opening, the only account to which you may transfer funds from is your linked external account. You can make a request through Popular Direct Online Banking or by calling the Customer Care Center at 1-800-274-5696. If you close your linked external account before you are eligible to change it (60 days after its last change), you will be unable to transfer funds out of your account for the remainder of the 60-day waiting period.

We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.


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CD Account Opening Restrictions Savings Account Opening Restrictions ×


Please note: We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.

Please note: For the first 70 days following account opening, the only account to which you may transfer funds from is your linked external account. You can make a request through Popular Direct Online Banking or by calling the Customer Care Center at 1-800-274-5696. If you close your linked external account before you are eligible to change it (60 days after its last change), you will be unable to transfer funds out of your account for the remainder of the 60-day waiting period.

We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.


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