Ponce Bank: Welcome

Due to the approaching winter storm, all of our branches will close early at 3:30 PM today, Friday, December 26. We apologize for any inconvenience this may cause. All branches will also be closed tomorrow, Saturday, December 27. Please note that online and mobile banking remain fully available for your convenience. Thank you for your understanding, and please stay safe.Routing Number: 226070131 Ponce Bank Routing Number: 226-070-131Try our new ATM Locator Map – Find an ATM near youLog InPersonalBusinessLog InPersonalBusinessPersonalPersonal CheckingPersonal SavingsOnline & Mobile bankingPersonal Loan & MortgagesBusinessBusiness CheckingBusiness SavingsOnline & Mobile BankingCash ManagementBusiness Loans & MortgagesCannabis BankingFinancial MasteryFinancial Mastery OverviewFirst-Time HomebuyerNonProfit GrassrootsSmall Business BootcampProtecting Your LegacyNonprofitNonprofit BankingPartnershipsMyFinances, MyFutureFirst-Time-HomebuyersNon-Profit GrassrootsPrograma Acelerado Para EmpresariosProtecting Your LegacySmall Business BootcampAboutOur StoryNewsroomOur ImpactPonce RadioFraud PreventionInvestor RelationsCDFI Avisory BoardGet In TouchJoin Our TeamContact UsLocationsFAQ

Say hello to Simply Free Checking

Say goodbye to monthly service charges. Open a Ponce Bank Account today and be a part of how a community works.¹

Learn MoreNo minimum balance fee or monthly service chargeOver 39,000 surcharge-free ATMs nationwideFree Online and Mobile Banking

We invest in local folks. We invest in your neighborhoods.

Grow your business with ProsperSmall Business Loans.

Prosper doesn’t require financial statements for you to apply. Get an offer fast, and get funded in 24hrs once approved.²

Learn More

Hey change makers!Bank with purpose with our Nonprofit Business Checking Account.³

At Ponce Bank we’re on a mission to prove that Community Banking is a powerful engine for social equity.

Manage payroll, put donations to work, and pay everyday bills with our tailored Checking Account – the perfect partner for all your charitable endeavors.

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We invest in local folks. We invest in your neighborhoods.

Grow your business with ProsperSmall Business Loans.

Prosper doesn’t require financial statements for you to apply. Get a decision fast, and get funded in 24hrs once approved.²

Learn More

Hey change makers!Bank with purpose with our Nonprofit Business Checking Account.³

At Ponce Bank we’re on a mission to prove that Community Banking is a powerful engine for social equity.

Put donations to work, and pay everyday bills with our tailored Checking Account – the perfect partner for all your charitable endeavors.

Learn MoreYou Know Your Money Matters.And Ponce makes it matter more

When you bank with a local CDFI bank, your money gets invested in local business, local housing and local services.

Learn more about CDFIs

Bank with a top Latin-led bank on the East Coast

Immigrant Run and Immigrants Welcome!

Founded by migrants from Puerto Rico back in 1960,today we are a certified Minority Depository Institution!

Read Our Mission1/3

Founded by migrants from Puerto Rico back in 1960,today we are a certified Minority Depository Institution!

Read Our Mission2/3

Founded by migrants from Puerto Rico back in 1960,today we are a certified Minority Depository Institution!

Read Our Mission3/3

Why Ponce Bank

Bank like you love New York! When you bank with Ponce, your deposits help us invest in your neighborhoods.

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Support a minority-led, immigrant-friendly bank

We’re committed to bringing banking service to people that most large banks ignore

Bank with Purpose

Around $0.80 of every dollar you deposit with Ponce Bank creates community financing4

Invest in your community not climate crisis

At Ponce, your money won’t fund fossil fuel development

Financial Mastery Series

These programs will help you confidently navigate the financial world and make informed decisions regarding borrowing, spending, and investing.Learn More

Latest Blog Articles

Mar 21, 2025Ponce Bank, NYC Hispanic Chamber announce $40K donation to Puerto Rico and the Dominican Republic

Ponce Bank and the New York City Hispanic Chamber of Commerce (NYCHCC) recently announced a $40,000 donation to provide relief following the devastation of Hurricane Fiona in Puerto Rico and the Dominican Republic in September 2022.

Learn moreMar 21, 2025Small Business Bootcamp: September Graduation

Our Small Business Bootcamp provides essential business planning, strategies, and tools for growth. It has supported over 500 small business owners and aspiring entrepreneurs by sharing critical tools and knowledge to realize their goals.

Learn moreMar 21, 2025Safe Keepin': Phishing

Keeping the community safe and secure is essential. That’s why we think it’s important to be aware of common scams that may pose risk to your personal security, identity and finances. When you know what to look out for, you’re less likely to be a victim of fraud. Tap the link in our bio for Ponce Bank’s Safe Keepin’ blog to learn more common online scams, like Phishing Scams: most common way for scammers to get a hold of your personal information and try to take over your accounts.

Learn more

Are you ready to take the reinsand secure your financial future?

Our Financial Mastery Series is not just about managing your money; it is about unlocking your full potential and achieving your dreams!

Learn More

35,000+ fee-free ATMs nationwide!

Find ATMs in your network. You can take cash out with fee-free ATMs, using your Ponce Bank debit card.Find an ATM near youAPYs effective as of Current Date. Products, services, terms, conditions and interest rates subject to change without notice.

1 Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See consumer schedule of fees for details. Fees may reduce earnings. Information is subject to change with no prior notice.

2 All loans are subject to credit approval. Not all applicants will qualify. Information is subject to change with no prior notice. While multilingual representatives or loan officers are available, all loan disclosures and documents will be in English.

3 No minimum balance to open the account. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See business schedule of fees for details. Information is subject to change with no prior notice.

4 Data pulled from Mighty Deposits as of 4/14/2023 "Your $100 deposit in PONCE BANK creates $80 of community financing versus the NATIONAL BANK INDUSTRY AVERAGE of $37": https://mightydeposits.com/ponce-bank

5 APY-Annual Percentage Yield. CD is Certificate of Deposit. Rate may change after the account is opened. The minimum balance to open and obtain the APY for a 7-month CD is $1,000. A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice. Speak to a representative to learn more. Applies to new deposits only (funds previously not within another Ponce Bank account.)

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