FAQs - Oriental

FAQs

General Information View Answers
1. What is the Oriental Bank & Trust route and transit number? 2. How can I change my address and other personal information? 3. What is financial planning? 4. How can I improve my credit?
1. What is the Oriental Bank & Trust route and transit number? 221571415 2. How can I change my address and other personal information? To edit address, phone number or email address, send this form. You can also change your email address by accessing Oriental Online Banking. 3. What is financial planning? Financial Planning is the exercise of outlining strategies for managing personal finances to achieve financial freedom, stability and security. For more information, read our article on financial planning. 4. How can I improve my credit? Your credit is a powerful tool that can help you reach your financial goals. For more information, read the article titled: “Your ally: Credit.”

Checking and Savings Accounts View Answers
1. How is the availability of funds deposited in my checking account calculated? 2. What is a ‘dormant’ account and how can I activate it? 3. How can I get a copy of my account statement or a copy of a check? 4. How can I reorder checks? 5. How can I see the Unclaimed Amounts listing?
1. How is the availability of funds deposited in my checking account calculated? Availability of funds deposited depends on the type of instrument deposited. Electronic or cash deposits, wire transfers and Oriental Group checks will be available the same day when deposited before 4:00PM. Deposits made with manager checks, money orders, government checks and other official checks payable to the customer will be available on the next business day. Other checks will have $100.00 available on the next business day. The remaining balance will be available depending on the type of check. Local checks: second business day; other local check: third business day; out-of-town check: sixth business day. Some exceptions may apply. For more information, you may request a copy of Regulation CC on Availability of Funds. 2. What is a ‘dormant’ account and how can I activate it? It is a deposit account without transactions issued by the account owner/s in the last 365 consecutive calendar days or more. Any account considered ‘dormant’ will not be able to make transactions, be they deposits or withdrawals. To activate, the account holder must visit one of our branches with a photo I.D. 3. How can I get a copy of my account statement or a copy of a check? You can use our Oriental Online Banking service to see your account statements online. You can also send this form and it will be sent to you by regular mail with a $10.00 charge per statement, $5 per check paid less than a year and $10 per check paid more than a year. 4. How can I reorder checks? Reorder checks and accessories or verify your check orders. It is fast and easy. Use our Oriental Online Banking service or click here 5. How can I see the Unclaimed Amounts listing? To obtain a list of our Unclaimed Accounts, please see the following page.

IRA Accounts View Answers
1. How can I transfer (rollover) my IRA account to Oriental Bank? 2. What are the penalties for withdrawing my IRA account?
1. How can I transfer (rollover) my IRA account to Oriental Bank? To transfer your IRA account to Oriental, you must visit your current bank and fill out the corresponding forms. The other bank will be responsible for sending the check to Oriental who, in turn, will deposit it in a new account. 2. What are the penalties for withdrawing my IRA account? There are two types of penalties: one from the banking institution and one from the Treasury Department. Bank penalties will depend on Bank policies and the product type. You may withdraw your IRA account without penalties from the Treasury Department after you turn 60; otherwise you are subjected to a penalty of 10% of the amount withdrawn. There are exceptions. For more information, visit the Treasury Department’s page on the Internet.

Credit and Debit Cards View Answers
1. What do I do if my debit card is lost or stolen? 2. How can I replace my debit card? 3. I forgot my password (PIN). How can I get a new one?
1. What do I do if my debit card is lost or stolen? Call 1-800-236-2442. Please have your account number or your social security number at hand when calling. 2. How can I replace my debit card? For a card replacement, send this form. (Allow two weeks for delivery) For immediate service, visit the Oriental Bank branch closest to you. 3. I forgot my password (PIN). How can I get a new one? Fill out and send this form to request your debit card PIN.

Oriental Online Banking View Answers
1. I forgot my password. How can I change it? 2. I need help using the Oriental Online Banking service with Oriental.
1. I forgot my password. How can I change it? To change your password, just click on the link stating ‘Forgot Password’ from the login page and answer all security questions. Otherwise, send this form in. 2. I need help using the Oriental Online Banking service with Oriental. For help using our webpage, you may call 1-800-981-5554, or send us an email.

Transactions View Answers
1. How can I make wire transfers? 2. I have questions regarding a transaction that appears in my statement.
1. How can I make wire transfers? To send a wire transfer to Oriental Group, you must use the following information: Name of Receiving Bank: Federal Home Loan Bank, New York ABA:026009739 Credit OBT 20582010 Do not use the route and transit number. To make a wire transfer from Oriental to another bank, visit one of our branches and an officer will assist you with the process. You will need the receiving bank’s and the recipient’s information. 2. I have questions regarding a transaction that appears in my statement. For information on a transaction in your account at Oriental, fill out and send this form. A customer service representative will call you.

Information Security View Answers
1. My identity was stolen. What do I do?
1. My identity was stolen. What do I do? Go to the Federal Commerce Commission webpage for more information.

Oriental on-the-go (Mobile Banking) View Answers

1. What can I do with Oriental on-the-go from my mobile phone?
2. How do I access Oriental on-the-go?
3. ¿Do I have to download anything to access Oriental on-the-go?
4. ¿How do I enroll to "Oriental on-the-go"?
5. ¿What services do you offer via text messages?
6. ¿How do I receive my account information’s text messages?
7. I am already enrolled to Oriental on-the-go’s Text Messaging service, ¿How do I receive my account information?

1. What can I do with Oriental on-the-go from my mobile phone?
- Verify your recent balances and transactions
- Make Payments
- Make internal transfers between your accounts
- Make external transfers from another bank to Oriental¹.
- Receive accounts information via text messages
- Locate your nearest Oriental branch and ATM

2. How do I access Oriental on-the-go?
From your mobile browser, visit m.orientalonline.com

3. ¿Do I have to download anything to access Oriental on-the-go?
Every mobile device with internet access doesn’t have to download and application to access Oriental on-the-go.
However, we will be launching soon Oriental on-the-go’s iPhone application.

4. ¿How do I enroll to "Oriental on-the-go"?
To access your accounts you have to be enrolled in Oriental’s Internet Banking.
If you don’t have access to Oriental’s Internet Banking, register here.

5. ¿What services do you offer via text messages?
You can receive your accounts balances (check and/or savings) and the last three transactions made. The text messaging service is free of cost² .

6. ¿How do I receive my account information’s text messages?
a. First you have to register your mobile phone with Oriental on-the-go. Visit Oriental on-the-go’s area here , click on "Receive text messages" and a new window will open.
b. Enter your access information – the same login information used for Internet Banking and Oriental on-the-go.
c. Once logged in, click on "Add a new device" and type your mobile phone number. Click "Next".
d. Confirm the telephone number entered by clicking "Confirm".
e. Once finished, your mobile phone will receive a text message confirming the registry.

7. I am already enrolled to Oriental on-the-go’s Text Messaging service, ¿How do I receive my account information?
By sending a text message to 21443, type one of the following commands depending of your needs. Once sent, you will receive back a text message with the information requested.

Type "obt bal" to receive your checking and/or savings account information.
Type "obt hist" to receive the latest three transactions made from your checking and/or savings account
Type "obt help" for information on how to contact Oriental Direct.
Type "obt cmd" for the commands list.
Type "obt stop" to remove your mobile phone number from the service.

¹An $8.95 service charge applies for each external transfer from outside Oriental Bank & Trust.

²Text messages charges may apply in accordance to your mobile service provider

FAQs

General Information
Checking and Savings Accounts
IRA Accounts
Credit and Debit Cards
Oriental Online Banking
Transactions
Information Security
Oriental On the GO (Mobile Banking)

Oriental Financial Services Corp., member FINRA/SIPC, and Oriental Bank and Trust are subsidiaries of Oriental Financial Group, Inc.

Important disclosures regarding the Transaction Account Guarantee Program