Welcome to the beginning of your financial future. Creating a solid foundation is what's most important now, in order to start working on short and long-term life goals.

• Do you know the difference between starting to save money at an early age versus later on?
• Is purchasing your first property among your first goals?
• Do you know how important it is to have and keep a good credit history?

  If you answered Yes to any of these questions, we offer you a group of solutions to place you on the road to a solid financial beginning.

  This base has 2 elements:a cash reserve and a clean credit history. You must begin to create a cash reserve of approximately 3 to 6 months' worth of your expenses. This way, you will be prepared for any situation that may create difficulties in your ability to cover financial obligations.

  Your credit is a powerful tool that can help you reach your financial goals. It can also become an obstacle if not managed appropriately. Begin to establish a responsible payment history so you can insure getting credit in the future for purchasing your home, auto financing and others. 
  

• Savings and Checking Account
• Oriental Amiga is the ideal account for this stage. With a low minimum balance required and attractive service charges, when applicable, it offers space to grow and cash to save.
• Oriental Savings Plus is an account that helps you separate your savings from the transactional account and start that cash reserve.
• Mortgages*
• If your short or medium-term plans include the purchase of your own home, this is the moment to begin to learn about your options. For more information on the process and how to prepare yourself, go to our Mortgage  pages.
• Direct Deposit
• Go the 'paperless route' and have faster access to your money with direct deposit. Your money is protected from theft and you save yourself a trip to the bank.
• Personal Loans*
• During this beginning stage, it is possible that your income is not enough to cover the starting costs. You can use credit to supplement your income. It is important to use credit responsibly. In addition to learning about our products, learn more on the use of credit to reach your financial goals.

*Subject to credit approval. **Products offered by Oriental Bank & Trust. Oriental Bank & Trust is a subsidiary of Oriental Financial Group Inc. ©2009 Reserved Rights.