Financial Institutions Route and

DV
Members Transit
NATIONAL BANK OF PANAMA 00000001 3
BANISTMO 00000002 6
CITIBANK 00000003 9
GENERAL BANK 00000007 1
DAVIVIENDA 00000018 1
MULTIBANK 00000037 2
TOWERBANK 00000040 8
SCOTIABANK 00000042 4
BICSA 00000051 8
PROFESSIONAL COOPERATIVE 00000071 2

Telered, S.A.
BANVIVIENDA 00000076 7
SAVINGS BOX 00000077 0
PACIFIC BANK 00000091 6
METROBANK 00000106 7
ALIED BANK 00000108 3
CREDICORP BANK 00000110 6
GLOBAL BANK 00000115 1 Instruction manual of
CANAL BANK 00000125 8
BAC INTERNATIONAL BANK 00000138 4
BCT BANK INTERNATIONAL 00000139 7 Format
MMG BANK 00000147 8
ST. GEORGES BANK 00000149 4 of the Account of the
AZTECA BANK 00000150 4
Pichincha Bank
DELTA BANK
00000151
00000156
7
2
Institutions
LAFISE BANK 00000157 5
BANESCO 00000158 8 Financial Member
CAPITAL BANK 00000159 1
PANAMA BANK 00000160 1 from the ACH Network
BANISI 00000161 4
MERCHANT BANK
PRIVAL BANK
00000163
00000167
0
2
y
BBP BANK 00000165 6
UNIBANK 00000170 8 Government Entities
Ficohsa Bank 00000172 4
BANCOLOMBIA 00000175 3 Central
BI-BANK 00000178 2
ATLAS BANK
COOPEDUC
00000180
00000250
5
3
For the creation of
COOESAN 00000251 6
CACECHI 00000252 9 transactions
COEDUCO 00000253 2
COOPEVE 00000254 5
CHRISTOPHER COOPERATIVE 00000500 5
EDIOACC 00000501 8
CASE STUDY 00000502 1
COOPRAC 00000503 4
Government Entities Updated as of November 21, 2019
IFARHU
 NATIONAL BANK OF PANAMA

ACCOUNT FORMAT

Savings Accounts 12 digits

04XXXXXXXXXX
Current Accounts 12 digits
01XXXXXXXXXX
Loans 12 digits
1XXXXXXXXXXX

Credit Cards 6 digit BIN

433484XXXXXXXXXX - Classic Visa
433484XXXXXXXXXX - Live Panama
473212XXXXXXXXXX - Visa Gold
10 digits card number

NOTE: 1- The checking and Christmas savings accounts start with zero four.
(04).
2- Current accounts start with zero one (01).
3- The loans start with 1 and must total 12 digits.
4- All payments that use the loan account number must be sent
with transaction code 52.

SENDING OF DEBIT AUTHORIZATIONS

First Contact: Karina Álvarez Tel. 518-5311kalvarez@banconal.com.pa

Second Contact: Leyvis Francis 518-5323lfrancis@banconal.com.pa
Third Contact: Julissa Ayala Tel. 5185327jayala@banconal.com.pa

location Bolívar Avenue, Transistmica Branch, 6th Floor

Opening Hours: 8:00 a.m - 4:30 p.m
 BANISTMO S.A.
ACCOUNT FORMAT
Savings Accounts
10 and 11 digits
Current Accounts
10 digits
Loans
Variable a 16 digits
Credit Cards
Visa (16 digits) 4525 20## #### ####
4525 26## #### ####
4938 51## #### ####
MasterCard (16 digits) 5412 95## #### ####
5440 77## #### ####
NOTE: 1- All payments using the loan account number must be sent
with transaction code 52.
All payments that use the loan repayment account number must
to be sent with transaction code 32.

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name galileo.obando@banistmo.com
Phone: Direct 306-5907
Second Contact Name manuel.x.deleon@banistmo.com
Phone: Direct 306-5500 ext 5907
Branch: Edison Plaza
Location: Edison Plaza, Tumba Muerto Level 200
Opening Hours: 8:00 a.m.—4:00 p.m.

Updated as of November 21, 2019

Page 2
 CITIBANK, N.A.

ACCOUNT FORMAT

Savings Accounts
9 digit account
1 verification digit
Current Accounts
9 digits account
1 verification digit
Other Loans
2 digits organization
2 digits group
6 digit account
1 check digit
Credit Card
6 digit BIN
2 digits class
8 digits account
NOTE:
In some cases, it will be necessary to include a zero in front to complete the length of the
defined accounts. This occurs when the branch part within the account number only
it has a digit. All accounts must be left-justified and the rest must
fill with blank spaces.
The bank will validate the account against its account number

SENDING OF DEBIT AUTHORizations

First Contact Name enith.imeth.tejeiraguerrero@citi.com

Location: Tower of the Americas, Tower B, floor #12
Tel. 2015900 Ext 0112020
8:30 a.m. to 4:00 p.m.

Second Contact Name Iris Castilloiris.katherine1.castillorodriguez@citi.com

Location: Tower of the Americas, Tower B, floor #12
Tel. 2105900 Ext 0112646
Office Hours: 8:30 a.m. to 4:00 p.m.

Third Contact Name Edra Staffedra.marcela.staff@citi.com

Location: Tower of the Americas, Tower B, floor #12
Tel. 2105900 Ext 0112075
Office Hours: 8:30 a.m. to 4:00 p.m.

Updated as of November 21, 2019

Page 3
 GENERAL BANK
ACCOUNT FORMAT

Savings Accounts
2 digit product = 04
2 digits branch
2 digit product type
6 sequential digits
1 check digits
Current Accounts
2 digit product= 03
2 digits branch
2 product type digits
6 sequential digits
1 verification digits
Loan
2 digit product = 07
2 digits branch
2-digit product type
6 sequential digits
1 check digit
Credit Cards
Diners 3640 93xxxx xxxx (14 digits)

Visa 4557 32xx xxxx xxxx (16 digits) 4557 33xx xxxx xxxx (16 digits)
4934-62xx xxxx xxxx (16 digits) 4557-32xx xxxx xxxx (16 digits)
4557-33xx xxxx xxxx (16 digits) 4934-62xx xxxx xxxx (16 digits)
4380-76xx xxxx xxxx (16 digits) 4899-24xx xxxx xxxx (16 digits)
4440-89xx xxxx xxxx (16 digits) 4067-04xx xxxx xxxx (16 digits)
4941-52xx xxxx xxxx (16 digits) 4099-02xx xxxx xxxx (16 digits)
4931-22xx xxxx xxxx (16 digits) 4468-07xx xxxx xxxx (16 digits)
4513-93xx xxxx xxxx (16 digits) 5436-10xx xxxx xxxx (16 digits)
5404-94xx xxxx xxxx (16 digits) 4519-86xx xxxx xxxx (16 digits)

Privates 8525 00xx xxxx xxxx (16 digits) 9590 07xx xxxx xxxx (16 digits)

Letter of Credit 3 letters EXP or IMP or LOC or STB

2 digits Year
6 consecutive alphanumeric digits

SENDING OF DEBIT AUTHORIZATIONS

Rosa Evelyn Pinzón / Guendolyn Araúz
Location: Banco General Plaza, 21st Floor, 50th Street
Office Hours: Monday to Friday 8:00 a.m. to 3:00 p.m. - Saturdays 9:00 a.m. to 12:00 p.m.

Updated as of November 21, 2019

Page 4
 DAVIVIENDA BANK (PANAMA), S.A.

ACCOUNT FORMAT

Savings Accounts: From 9 to 12 digits

Current Accounts: From 9 to 12 digits

Money Market: From 9 to 12 digits

Loans: From 9 to 12 digits

Credit Cards:
6 Digits of BIN
10 Digits of Card Number
4334-15##-####-####
5480-84##-####-####
5529-76##-####-####
5209-81##-####-####

NOTE: The bank manages 2 account formats, the new format has 12 digits without
Since it starts with 'zero', normally the clients enter 11 digits.
The bank will accept accounts with the previous 9-digit format.
3- The type of account will be validated to credit the transaction

SENDING OF DEBIT AUTHORIZATIONS

First Contact: Giovany Herrera, 366-6500 Ext. 97244,
gherrera@davivienda.com.pa

Second Contact: Lino Ayarza, 366-6500 Ext. 97251, layarza@davivienda.com.pa

Fax: 263-6115

Location: Administrative Offices of Banco Davivienda (Panama), S.A.

Manuel María Icaza Ave, Cl. 52 E, No. 18–Campo Alegre

Opening Hours: Monday to Friday, 8:00 AM–3:00 PM

Updated as of November 21, 2019

Page 5
 MULTIBANK

ACCOUNT FORMAT

Savings Accounts 9–11 positions

Current Accounts 9–11 positions

Loans 9–11 positions

Credit cards 16 positions

SENDING OF DEBIT AUTHORIZATIONS

Name of the First Contact: Bladimir Quintero

Sucursal Head Office, Electronic Banking
Location: Vía España Prosperidad Building
Phone: 294-3500 Ext 1982
Attention Time: 08:00am to 03:00pm

Name of the Second Contact: Eduardo Coward

Sucursal Head Office, Electronic Banking
Location: Vía España Prosperidad Building
Phone: 294-3500 Ext 1957
Attention Time: 08:00 am to 03:00 pm

Email: bancaelectronica@multibank.com.pa

Updated as of November 21, 2019

Page 6
 ACCOUNTS FORMAT
Savings Accounts 2 digit product number
2 digits # of office
6 digit customer number
1 check digit

Current Accounts Just like savings accounts

Loans 3 digits # branch

7 consecutive reference digits

Credit Card 4304 5612 0000 0000

4938 5611 0000 0000
4938 5612 0000 0000
4938 5613 0000 0000
4540 4811 0000 0000
4540 4812 0000 0000
4540 4813 0000 0000

Letter of Credit/Bank Guarantees 3 alpha characters

3 digits # of office
Last 2 digits of the current year
6 consecutive reference digits

SENDING OF DEBIT AUTHORISATIONS

All communications should preferably be sent to the following email

electronic
ctacte@towerbank.com
Name of the first contact: Ms. Gina de Ureña
Branch Head Office
Location: 50th Street and Beatriz M. de Cabal Street
Opening Hours: 8:00 a.m. to 5:00 p.m.
second_contact_name Mrs. Claudia Rangel
Branch Head Office
Location: 50th Street and Beatriz M. de Cabal Street
Opening Hours: 8:00 a.m. to 5:00 p.m.

Updated as of November 21, 2019

Page 7
 SCOTIABANK

ACCOUNT FORMAT

Savings Accounts From 4 digits to 12 digits

Current Accounts From 4 digits to 12 digits

Loan 12 digits

Credit Cards
5140 12XX XXXX XXXX
5228 49XX XXXX XXXX
5163 71XX XXXX XXXX

NOTE: The Bank will validate the account against the number and not against the type of account.
2-

Sending of debit authorizations

Yereth Salinas
(507) 323-8229 / 323-8200
(507) 323-8247
yereth.salinas@pa.scotiabank.com

Edgar Miranda
(507) 323-8249 / 323-8200
(507) 323-8247
edgar.miranda@pa.scotiabank.com

Location: Administrative Offices of Scotiabank

Plaza Agora Shopping Mall - Chanis
Local #17

Attention Time: Monday to Friday 8:00am to 4:00pm

Saturday 8:30am to 12:00pm

Updated to November 21, 2019

Page 8
 BICSA
ACCOUNT FORMAT

Savings Accounts Not applicable

Current Accounts 5 digits

1 verification digit

Money Market 6 digits

1 verification digit

Letters of Credit 7 digits

Loans
Leasing 5 digits
Commercials, Lines, Specific O.P. 9 digits

NOTE:
Some loan operations start with the number 0 in front.

SENDING OF DEBIT AUTHORISATIONS

First Contact Name Erick Cañizales Operations Manager

Tel.: 208-9545

Segundo Contacto Erasmo Espino (Treasurer)

Tel.: 208-9540

Fax: 208-9581

Location: Banking Area, Cl. Manuel Maria Icaza Edif. #25

Opening Hours: 8:00 a.m. to 2:00 p.m.

Updated as of November 21, 2019

Page 9
ACCOUNT FORMAT
SAVINGS ACCOUNTS 2 digits Product
(12 digits in total) 01 Contributions
02 External Withdrawal Capital
03 Disability Fund
04 Mortuary Service
05 Solidarity Plan for Cancer
06 Special Capital
07 External Withdrawal Capital–FID
10 Available Deposit
11 Available Deposit (FID)
16 Youth Christmas Savings
18 Available Deposit Third Party (FID)
Christmas Savings
60 Available Deposit (Third Party)
70 Christmas Savings (Third)
3 digits Agencia 001, 002, 003, 004, 005, 006, 007, 008, 009
6 digits No. Correlative
1 digit Verification Digit

LOANS (12 digits in total) 000-00-000000-0

3 digits agency
2 digits product
01 Mortgages
02 Commercial Credit
03 Consumption
04 Automobile
05 Pledge
06 Accounts Receivable
07 Insurance
08 Cell Phones
10 Savings Pledge
11 Pledge Others
20 Mortgages–Third
21 Commercial Credit–Third Party
22 Consumption–Third
23 Car–Third
24 Secured–Third
25 Pledge Savings - Third
26 Pledge Others–Third
27 Accounts Receivable - Third Party
6 digits Correlative
1 Check Digit
CREDIT CARDS
(16 digits in total) 4999-4801-0000-0000 Classic Visa
4999-4901-0000-0000 Visa Gold
4824-6200-0000-0000 Visa Platinum
4999-4805-0000-0000 Christmas Visa
5455-7705-0000-0000 Classic Mastercard
5415-1505-0000-0000 Mastercard Gold

Notes:
Extraordinary payments will not be included in loans or reimbursements to the External Capital of Withdrawal.

SENDING OF CREDIT AUTHORIZATIONS

Lic. Miriam Valdés 205-0900 Ext.8650mvaldes@cooprofesionales.com.pa
Janisel Paredes 205-0900 Ext.8651jparedes@cooprofesionale.com.pa
Lic. Gloria Mendoza Tel.: 205-0900 Ext.8160gmendoza@cooprofesionales.com.pa
Lic. Cynthia Cordero Tel.: 205-0900 Ext.8161ccordero@cooprofesionales.com.pa

Location: Vista Hermosa, Jorge Zarak Street, between Vía España and Ave. Fernández De Córdoba (between the Pediatric Hospital
from the C.S.S. and the Delta station)

Service Hours: Monday to Friday 8:00 a.m. - 5:00 p.m.

Saturdays 8:00 a.m. - 12:00 p.m.
205-0924

Updated on November 21, 2019

Page 10
 PANAMANIAN HOUSING BANK

ACCOUNT FORMAT
Savings Accounts 2 digits Branch 10, 20, 30, ..., 90
17 digits 3 digits Regular savings = 021 or
Savings form = 020
9 digits Account Sequential number
3 digits Sequential number

Current Accounts 2 digits Branch 10, 20, 30,…, 90

(17 digits) 3 digits Current 020
9 digits Count Sequential number
3 digits Sequential number

Loan
(15 digits) 3 digits Mortgage Loan
Car Loan = 102
Consumer Leasing = 103
Pawn Loan = 104
Personal Loan 105
Préstamo Comercial = 106
Business Loan
Commercial Leasing = 108
Educational = 109
Agricultural = 110
9 digits Operation Sequential Number
3 digits Sequential Number

Credit Cards VISA Banvivienda / VISA Private

(16 digits)

NOTE: 1- The format and the total number of digits per product must be fulfilled

SENDING OF DEBIT AUTHORISATIONS

First Contact Name Ruth Sánchez 204-1236
Second Contact Name Itza Morales 204-1237

Location
Avenida Balboa, Aseguradora Mundial Building, Headquarters, floor 1

Attention Time
Monday to Friday 8:00 am to 5:00 pm
Saturday: 9:00 am to 1:00 pm

Updated on November 21, 2019

Page 11
 SAVINGS BOX

ACCOUNT FORMAT

Savings Accounts
2 digits branch
10 digits sequential number

Current Accounts
2 digits branch
10 digits sequential number

Loans
2 digit branch
2-digit account type
8 digits account number (sequential)
Credit Card
16 digits
476528xxxxxxxxxx Classic Visa
476529xxxxxxxxxx Golden Visa
406275xxxxxxxxxx Visa CTA
545488xxxxxxxxxx Classic MasterCard
540722xxxxxxxxxx Gold MasterCard
NOTE:

Every savings account, checking account, and loan must contain 12 digits.
where the first two digits correspond to the branch.

SENDING OF DEBIT AUTHORISATIONS

First Contact Name Melissa Del Rosario 508-3712

Second Contact Name Gabriela Davis 508-3461
Third Contact Name José Caballero 508-5098

Location: Vía España and Calle Thays de Pons

Operations Building, Ground Floor.

Opening Hours: Monday to Friday from 8:30 a.m. to 3:00 p.m.

Phone: 508-3712/508-3461/508-3460/508-5098
Fax: 213-0028 / 508-3852 / 508-3853
Email: ach@cajadeahorros.com.pa

Updated on November 21, 2019

Page 12
 Pacific Bank (Panama), S.A.
Account Format

Savings Accounts: 9 digits

Current Accounts: 9 digits
Loans: 9 digits
Note: Account numbers may contain leading 'zeros'.

SENDING OF DEBIT AUTHORIZATIONS

Primer Contacto: Cintia Toribio, 263-5833 Ext. 218, ctoribio@bancodelpacifico.com.pa

Second Contact: Francisco Quintero, 263-5833 Ext. 220,

fquintero@bancodelpacifico.com.pa

263-7481

Location: Administrative Offices of Banco del Pacífico (Panama), S.A.

Aquilino de la Guardia Street and 52nd Street, corner of the Pacific Bank Building.

Office Hours: Monday to Friday, 8:00 AM–1:00 PM

Updated as of November 21, 2019

Page 13
 METROBANK, S.A.
ACCOUNT FORMAT
Savings Accounts
8 digits (Start with 6)
9 digits (Starting with 104)
10 digits (Start with 0104)
11 digits (Starting with 4 and 5)
12 digits (Starting with 04)
Current Accounts
8 digits (Starting with 6)
Of 9 digits (Starting with 101)
10 digits (Start with 0101)
11 digits (Starting with 1 and 5)
12 digits (Start with 01)
Loan
From 9 to 12 digits
Credit Card
4196 58## #### ####
4196 59## #### ####
4196 60## #### ####
4137 26## #### ####
5158 06## #### ####
5527 10## #### ####
Letter of Credit (LC)
12 digits
Note:
All loan payments must be sent with code 52.

SENDING OF DEBIT AUTHORIZATIONS

First Contact: Julián Pérez

Segundo Contacto: Ricardo Bonilla / 831-2448 / bancaelectronica@metrobanksa.com
Third Contact: Michelle Sánchez
Branch Head Office, Electronic Banking (Operations)
Location: Punta Pacifica, Isaac Hannono Misri street
Fax 282-6494
Opening Hours: Monday to Friday 8:00 a.m.–3:00 p.m.

Updated as of November 21, 2019

Page 14
 ALIADO BANK, S.A.

ACCOUNT FORMATS

Savings Accounts 12 digits

Current Accounts 12 digits

Loans 12 digits

Credit Card Banco Aliado 16 digits

4174 96## #### #### Platinum

4174 98## #### #### Gold
4174 99## #### #### Infinitive
4809 62## #### #### Corporate

SENDING OF DEBIT AUTHORIZATIONS

Name of the First Contact: Dario Oviedo

Tel: 302-15-55 ext. 572
Name of the Second Contact: Robert Roski -roskir@bancoaliado.com
Tel: 302-15-55 ext. 563
Name of the Third Contact: Mario Jaen - jaenm@bancoaliado.com
Tel: 302-15-55 ext. 564

Location: Head Office, Calle 50 and 56 Obarrio

Opening Hours Monday to Friday from 8:00 a.m. to 3:00 p.m.

Updated as of November 21, 2019

Page 15
 CREDICORP BANK

ACCOUNT FORMAT

Savings Accounts 402 Identify Savings Account

7 digits for account number.

Current Accounts 401 Identifies Checking Account

7 digits for account number.

Christmas accounts 403 Identify Christmas Account

7 digits for account number.

Loan 10 Digits (e.g. 6xxxxxxxxx)

Credit Cards 6-digit card BIN

10 digits card number

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name MARIETTA HERNÁNDEZ

Deptoach@credicorpbank.com

Location: Suc. Via España Edif. 218, delivery in Lobby.

Next to the King
Phone: 210-1111 EXT. 6110

Second Contact Name: Itza Morales/ Deptoach@credicorpbank.com

Location: Suc. Vía España Edif. 218, delivery at Lobby.
At the side of the King
Phone: 210-1111 EXT. 6111

Updated as of November 21, 2019

Page 16
 GLOBAL BANK CORPORATION

ACCOUNT FORMAT
Savings Accounts

2 digits branch
3-digit account types
6 consecutive digits for the account number

Current Accounts
2 digits branch
3 digits type of accounts
6 consecutive digits for the account number

Auto Loans, Personal Loans, and Letter of Credit

3 digits of the office

6 digits of the sequential operation in the office
1 verification digit of the operation

Credit Card
4941 71xx xxxx xxxx
4941 48xx xxxx xxxx Golden Visa
4168 33xx xxxx xxxx Visa Platinum
4382 25xx xxxx xxxx Corporate Visa
4382 25xx xxxx xxxx Corporate Visa
5276 10xx xxxx xxxx Mastercard

NOTE:
Savings accounts, current accounts, and letters of credit have zeros at the beginning for
complete 2 digits.

SENDING OF DEBIT AUTHORizations

First Contact Name Vielka González

Location: Global Bank Building, Centennial Center, Bridge Road
Centennial, Floor 1
Phones: 206-2000 Extension 31279

Second Contact Name Yolanda de González

Location: Global Bank Building, Centennial Center, Puente Road
Centenary, Floor 1
Phones: 206-2000 Extension 31246

Opening Hours: Monday to Friday from 8:00 a.m. to 3:00 p.m.

Saturday from 9:00 a.m. to 12:00 p.m.

Updated as of November 21, 2019

Page 17
 CANAL BANK
ACCOUNT FORMAT
Savings Accounts 1 digit bank
3 branch digits
4 digits account type (03##)
7 sequential digits
1 verification digit

Current Accounts 1 digit bank

3 digit branch
4 digits account type (0101)
7 sequential digits
1 verification digit

Loan 1 digit bank

3 branch digits
4 digits account type (05##)
7 sequential digits
1 check digit

Credit Cards Visa (16 digits)

4331 3710 #### ####
4331 3701 #### ####
4765 5710 #### ####
4765 5701 #### ####

Mastercard (16 digits)

5599 87## #### ####
5392 23## #### ####
5206 89## #### ####

NOTE: The bank will validate the account against the number.
All account numbers must have 16 numeric digits.

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name Sara Espinosa

Telephone: 777-9450 Ext. 2242
Second Contact Name Judith Ibarra
Telephone: 777-9450 Ext. 2282
Location: Universal Tower, David Chiriquí
Contact email: bancaelectronica@canalbank.com

Opening Hours: 8:00 a.m.–3:00 p.m.

Updated as of November 21, 2019

Page 18
 BAC INTERNATIONAL BANK

ACCOUNT FORMAT

Savings Accounts 9 digits # account

Current Accounts From 7 to 9 digits # account

Loan 9 digits # loan

Start with 1

Credit Cards 4101 44xx xxxx xxxx Classic Visa

4548 46xx xxxx xxxx Classic Visa
4966 01xx xxxx xxxx Golden Visa
4101 45xx xxxx xxxx Golden Visa
4519 90xx xxxx xxxx Visa Platinum
5200 57xx xxxx xxxx Master Classic Card
5418 54xx xxxx xxxx Master Card Classic
5455 04xx xxxx xxxx Gold MasterCard
5184 43xx xxxx xxxx Master Card Platinum
3702 40xx xxxx xxxx AMEX Classic
3702 41xx xxxx xxxx Golden AMEX
3702 42xx xxxx xxxx AMEX Platinum

SENDING OF DEBIT AUTHORizations

Name of the First Contact: David Valderrama
Tel. 206 2700 Ext. 3637

Lizbeth Aparicio R.
Tel. 206 2700 Ext. 3192

Location: BAC Intl. Bank Headquarters, Marbella, Aquilino Street

Guard
Hours of Operation: Monday to Friday from 8:30 a.m. to 5:00 p.m.
Updated as of November 21, 2019
Page 19
 BCT BANK INTERNATIONAL

ACCOUNT FORMAT

Savings Accounts: 14 Digits

Current Accounts: 14 Digits

Loans: From 8 to 13 Digits

Credit Cards: 16 Digits

NOTE: The maximum size of our accounts is 16 digits and the minimum is 3.

SENDING OF DEBIT AUTHORISATIONS

Name of First Contact: Yesira Vergara Tel
297-4218
Yesira.vergara@bctbank.com.pa
Name of the Second Contact: Gisela Acosta Call 297-
4226
gisela.acosta@bctbank.com.pa
Third Contact Name Silver Lourdes Tel 297-4217
Lourdes.deplata@bctbank.com.pa

Location: 50th Street BCT Bank International Building

Opening Hours: 8:30 AM to 3:00 PM (public service)
8:00 AM to 5:00 PM (employees) Fax 297-4249

Updated on June 3, 2014.

Updated as of November 21, 2019

Page 20
 MMG BANK

FORMAT OF ACCOUNTS

Current Accounts 14 digits in total

The first 2 positions have the number 13
Example: 13000000000123

Loans 12 digits in total

The first 2 positions carry the initials LD
Example: LD0123456789

Credit Cards 16 digits in total

The top 6 positions have the following series: 543585 or 559245.
Example: 5435-8500-0000-1234 or 5592-4500-0000-1234

Account Numbers 12 digits in total

The top 3 positions are marked with the initials USD
Example: USD123456789

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name
Zareth Duarte
Tel.: 265-7600 ext. 1105

Second Contact Name

Kyara Sanchez
Phone: 265-7600 ext. 1128

TercerContacto
Ana Jaen
Tel.: 265-7600 ext. 1129

Email:operations@mmgbank.com
265-7601 / 265-7609

Location: MMG Tower, Paseo del Mar Avenue, Costa del Este
Floor #22
Panama, Republic of Panama
Service Hours: 8:00 a.m. to 3:00 p.m.

Updated as of November 21, 2019

Page 21
 ST. GEORGES BANK

ACCOUNT FORMAT

Savings Accounts 13 Digits (Account Number)

1 Digit (Verification Number)

Current Accounts 13 Digits (Account Number)

1 Digit (Verification Number)
Loan 8 Digits
Credit Cards 16 Digits
4910 95XX XXXX XXXX
4910 96XX XXXX XXXX
4416 43XX XXXX XXXX
4064 58XX XXXX XXXX
4064 89XX XXXX XXXX
4064 90XX XXXX XXXX
4097 02XX XXXX XXXX
4097 23XX XXXX XXXX
4097 24XX XXXX XXXX
4214 59XX XXXX XXXX
4219 22XX XXXX XXXX
4222 27XX XXXX XXXX
4222 83XX XXXX XXXX
4222 98XX XXXX XXXX
5278 85XX XXXX XXXX
5536 30XX XXXX XXXX
NOTE: 1-
2-

SENDING OF DEBIT AUTHORIZATIONS

Juan Pablo Velasco Tel.: 322-2022 Ext. 28116
jvelasco@stgeorgesbank.com

Jackeline Guerra Tel.: 322-3022 Ext. 27006

jguerra@stgeorgesbank.com

Rocio Torregroza Tel.: 322-2022 Ext. 28100

rtorregroza@stgeorgesbank.com 322-2023

Location: Tower P.H St. Georges Bank Street 50 and 74 East San Francisco

Office Hours: Monday to Friday from 8:30 a.m. to 5:00 p.m.

Updated on November 21, 2019

Page 22
 AZTECA BANK (PANAMA), S.A.
ACCOUNT FORMAT

Savings Accounts 14 Digits

4 Digits Branch
2 Digits Product
8 Digits Account Number

Current Accounts Not applicable

Loans Not Applicable

Credit Cards Not Applicable

ACH Debits Not Applicable

CONTACTS

First Contact–Panama Otniel Obed Ortega Castillo

Email oortega@bancoazteca.com.pa
Phone (507) 278-7400 Ext. 53156

Second Contact - Panama Mileika Maria Caballero Gil

Email mcaballero@bancoazteca.com.mx
Telephone (507) 278-7400 Ext. 53155

Third Contact–Mexico Luis Alberto Flores Aguilar

Email lflores@bancoazteca.com.mx
Telephone (005255)1720-7000 Ext.79789, 79724

Fourth Contact – Mexico Mauricio Moreno Vigueras

Email mmorenov@bancoazteca.com.mx
Telephone (005255)1720-7000 Ext.76008, 76009, 76010,
76011, 76012, 76046, 76053

Location Local 2, Plaza América Building

Jorge Zarak Street, Vista Hermosa, Panama

Hours of Operation Monday to Friday – 9:00 a.m. to 6:00 p.m.

Updated on November 21, 2019

Page 23
 ACCOUNT INSTRUCTIONS

SAVINGS ACCOUNTS 10 DIGITS

CURRENT ACCOUNTS 10 DIGITS

LOAN Sequential number of up to 8 digits

CREDIT CARD 14 Digits start with 3604...

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name

Gisela Burgos de Lombardo Operations Manager
297-4581 / 297-4500 ext 6039
267-4590
gburgos@pichincha.com

Name of the Second Contact:

Jaime Rodriguez Ching
Phone: 297-4500 ext 6032
297-4590
jarodrig@pichincha.com

Name of the Second Contact:

Aidee Sanchez
Phone: 297-4500 ext 6030
297-4590
agsanche@pichincha.com

Location: Operational Offices Banco Pichincha Panama S.A

At Balboa Ave and Federico Boyd Ave, Urraca Park Building.

Service Hours: Monday to Friday from 8:00 am to 3:00 pm

Updated as of November 21, 2019

Page 24
 DELTA BANK, S.A. (BMF)

ACCOUNT FORMAT

Savings Accounts
Branch 3 digits
Product 3 digits
Regular Savings 021
Christmas Savings 121
Count 8 digits
Sub-Account 3 digits

Current Accounts
Branch 3 digits
Product 3 digits
Current 020
Count 8 digits
Sub-Account 3 digits

Loans
Branch 3 digits
Product 3 digits
Auto / Equipment Loan
101
Personal Loan
102
Guaranteed Loan
103
Working Capital Loan
105
Leasing
106
Count 8 digits
Sub-Operation 3 digits

SENDING OF DEBIT AUTHORIZATIONS

Name of the First Contact: Magaly Sanchez Tel.: 340-0000
Segundo Contacto Ruben Lam Tel.: 340-0000
Name of the Third Contact: Milantia Mendieta Tel.: 340-0191
340-0019
Location: Delta Tower, Ground Floor Vía España 122
Attention Time: Monday to Friday: 8 a.m. to 6:00 p.m.
Saturday: 9:00 a.m. to 1:00 p.m.

Updated as of November 21, 2019

Page 25
 BANCO LAFISE PANAMA, S. A.

ACCOUNT FORMAT

Old Savings Accounts 9 digits in total

2 digit product
21 Current Savings
7 digits account number

Old Current Accounts 9 digits in total

2 digits product
11 DDA
33 MMK
7 digits account number

Loan Ancient 9 digits in total

2 digit product
41 Factoring
61 Loan
7 digit account number

New Current Accounts 12 digits in total

3 digit application
201 Current with interest
202 Interest-free current
2 consecutive digits of the product
7 digit account number

New Savings Accounts 12 digits in total

3 digit application
204 Current savings
2 consecutive digits of the product
7 digits account number

Credit Cards 16 digits in total

6 digits product
452344 Infinite
452345 Classic
452346 Corporate
452347 Platinum
452348 Gold

NOTE: The bank will validate the account against the account number.

SENDING OF DEBIT AUTHORIZATIONS

Name of the First Contact Gian Carlo Pardo Tel.: 3409400 ext 9476
Name of the Second Contact Yerina Guerra Tel.: 3409400 ext 9467
Name of the Third Contact: Juan José Leal Tel.: 3409403
3403427

Location: 50th Street Global Bank Tower Building Floor 37

Opening Hours: from 8:30 a.m. to 2:00 p.m.

Updated as of November 21, 2019

Page 26
 BANESCO

ACCOUNT FORMAT

Savings Accounts
12 digits in total
201XXXXXXXX

Current Accounts
12 digits in total
110 XXXXXXXX
120 XXXXXXXX

Loans
12 digits in total
303 XXXXXXXX Mortgage
304 XXXXXXXX Mortgage
323 XXXXXXXX Personal
326 XXXXXXXX Pledges
335 XXXXXXXX Cars

Credit Cards
16 digits in total
40062300XXXXXXXX Visa Platinum
41107200XXXXXXXX Classic Visa
41107300XXXXXXXX Visa Gold
40745000XXXXXXXX Business Visa
44667800XXXXXXXX Platinum Visa
44667801XXXXXXXX Platinum Int. Visa
44667802XXXXXXXX Platinum Visa
44667803XXXXXXXX Platinum Visa
44667804XXXXXXXX Platinum Albrook Westland
44667805XXXXXXXX Platinum FIFA Visa
44667806XXXXXXXX Platinum Int. Visa
44667807XXXXXXXX LPV Platinum FIFA
44667808XXXXXXXX Platinum Appetito24 Visa
44667900XXXXXXXX Infinite Visa
44667901XXXXXXXX Infinite Int. Visa
44667902XXXXXXXX Infinite FIFA Visa
44667903XXXXXXXX Infinite Premium Visa

Updated as of November 21, 2019

Page 27
 44667904XXXXXXXX Signature Appetito24 Visa
44668100XXXXXXXX Gold Visa
44668101XXXXXXXX Gold Int. Visa
44668102XXXXXXXX Gold Albrook Westland Visa
44668103XXXXXXXX FIFA Visa Gold
44668104XXXXXXXX Gold Int. Visa
44668200XXXXXXXX Corporate Business Visa
44668201XXXXXXXX Business SME Visa
44668202XXXXXXXX Business Int. Visa
44668203XXXXXXXX Business International Visa
44668204XXXXXXXX Business Int. Visa
44668205XXXXXXXX Business Int. Visa
44668401XXXXXXXX Prestacard Visa
44668402XXXXXXXX Classic Visa
Classic Albrook Westland V
Classical Albrook Westland V
Classic FIFA Visa
44668406XXXXXXXX LPV Classic FIFA
44668407XXXXXXXX Classic Appetito24 Visa
46347400XXXXXXXX Platinum Multimax Visa
46347500XXXXXXXX Classic Multimax L/C Visa
46347501XXXXXXXX Classic Multimax Visa
46347502XXXXXXXX Classic Multimax Visa
47682500XXXXXXXX Multimax Business Visa
51295000XXXXXXXX Platinum MultiCashback MC
51295001XXXXXXXX Platinum Banesco Insurance M
51295002XXXXXXXX Platinum MultiCashback MC
51295003XXXXXXXX Platinum MultiCashback MC
51295004XXXXXXXX LPV Platinum Multicashback
51615400XXXXXXXX Platinum Mastercard
51615401XXXXXXXX Platinum Supercashback MC
51615402XXXXXXXX Platinum Basic Mastercard
51615403XXXXXXXX Platinum Int. Mastercard
51615404XXXXXXXX Platinum Multimax MC
51615405XXXXXXXX Platinum Travel Adventure M
51615406XXXXXXXX Platinum Travels Family MC
51615407XXXXXXXX Platinum Travel Prime MC
51615408XXXXXXXX LPV Platinum MasterCard
51615409XXXXXXXX LPV Platinum Supercashback
51615410XXXXXXXX Platinum UEFA MasterCard
51615411XXXXXXXX Platinum Air Europa MC
51628700XXXXXXXX Prepaid Mastercard Contact
51628701XXXXXXXX Prepaid Students
51628702XXXXXXXX Prepaid Events Mastercard
51812500XXXXXXXX Classic Stevens Mastercard
51812501XXXXXXXX Classic Stevens L/C Master
52249500XXXXXXXX Prepaid Mastercard
Updated on November 21, 2019
Page 28
 52249501XXXXXXXX Prepaid Mastercard
52249502XXXXXXXX International Prepaid MC
52249503XXXXXXXX Prepaid ePago Mastercard
52639100XXXXXXXX Oro Stevens Mastercard
52706300XXXXXXXX Platinum Stevens Mastercard
54366900XXXXXXXX Classic MultiCashback MC
54366901XXXXXXXX Classic Banesco Insurance MC
54366902XXXXXXXX Classic MultiCashback MC
54366903XXXXXXXX Classic MultiCashback MC
54366904XXXXXXXX Classic MultiCashback MC
54366905XXXXXXXX LPV Classic MultiCashback
Classic Mastercard
Classic Supercashback MC
54571702XXXXXXXX Classic Basic Mastercard
54571703XXXXXXXX Classic Multimax Mastercard
Classic Multimax LC MC
54571705XXXXXXXX LPV Classic MasterCard
54571706XXXXXXXX LPV Classic Supercashback
54571707XXXXXXXX Classic UEFA MasterCard
54571800XXXXXXXX Gold Mastercard
54571801XXXXXXXX Gold Supercashback MC
54571802XXXXXXXX Oro Basic Mastercard
54571803XXXXXXXX Gold Int. Mastercard
54571804XXXXXXXX LPV Gold Mastercard
54571805XXXXXXXX LPV Gold Supercashback
55362300XXXXXXXX Black Mastercard
55362301XXXXXXXX Black Int. Mastercard
55362302XXXXXXXX Black Multimax Mastercard
55362304XXXXXXXX Black Multicashback MC
55362305XXXXXXXX Black Business Travel MC
55362306XXXXXXXX Black Family Travels MC
55362307XXXXXXXX Black Prime Travel MC
55362308XXXXXXXX Black UEFA MasterCard
55362309XXXXXXXX Black Air Europa MC
55362310XXXXXXXX Black Travels affluent MC

SENDING OF DEBIT AUTHORISATIONS

First Contact: Kenia Gómez kgomez@banesco.com.pa Tel.: 282-2326

Second Contact: Emma Sofía Ayatheeayala@banesco.com.pa 282-2435
282-2292

Location: Avenida Aquilino De La Guardia and 47th Street, Banesco Building, Floor 27

Service Hours: Monday to Friday from 8:00 a.m. to 5:00 p.m.

Updated as of November 21, 2019
Page 29
 Saturdays from 9:00 a.m. to 12:00 p.m.

ACCOUNT FORMAT
Savings Accounts
2 digit branch
3 digit product
5 sequential digits
1 verification digit
Current Accounts
2 digit branch
3 digit product
5 sequential digits
1 check digit
Loans
Variable a 10 digits
Credit Cards
6 digits of BIN
10 digits of card number
5276-14xx-xxxx-xxxx
5148-93xx-xxxx-xxxx
5488-15xx-xxxx-xxxx
5120-96xx-xxxx-xxxx
5197-73xx-xxxx-xxxx
5197-43xx-xxxx-xxxx
4455-02xx-xxxx-xxxx
4455-04xx-xxxx-xxxx
4455-05xx-xxxx-xxxx
4455-06xx-xxxx-xxxx
Note: 1- All loan and card payments must be sent with transaction code 52
The type of account will be validated to credit the transaction.
SENDING OF DEBIT AUTHORIZATIONS

First Contact: Yesseni Camptheycampos@capitalbank.com.paTel.: 209-7000 Ext. 4022

Second Contact: Armando Quijadaaquijada@capitalbank.com.paTel.: 209-7000 Ext.
4006
Third Contact: Carmen de Fernandezcfernandez@capitalbank.com.paTel.: 209-7000
Ext. 4003
50th Street, P.H. Torre Global Plaza
Office Hours: Monday to Friday from 8:00 a.m. to 5:00 p.m.
Saturdays from 9:00 a.m. to 12:00 p.m.
209-7000

Updated as of November 21, 2019

Page 30
 PANAMA BANK, S.A.

ACCOUNT FORMAT

Savings Accounts (12 DIGITS)

001-2-XXXXXXX-X
3 branch digits
1 digit account type
7 consecutive digits for account number
1 verification digit

Current Accounts (12 DIGITS)

001-1-XXXXXXX-X
3 branch digits
1 digit account type
7 consecutive digits for account number
1 check digit

Loans (12 DIGITS)

001-4-XXXXXXX-X or 001-5-XXXXXXX-X
3 branch digits
1 digit 4 or 5 type of loan
7 consecutive digits for account number
1 check digit

Credit Cards (Not applicable)

NOTE: Savings accounts, checking accounts, and loans have two zeros at the beginning for
complete three digits of the branch and 12 digits of the account number

SENDING OF DEBIT AUTHORIZATIONS

First Contactsilvio.tulipano@bancopanama.com.pa
Second Contact: Christian Cerrud Tel.: 306-6871 christian.cerrud@bancopanama.com.pa
Tercer Contacto: Ramón Guillén Tel.: 302-4041 ramon.guillen@bancopanama.com.pa

Fax: 302-4015

Location: Banco Panamá Building, Manuel María Icaza Avenue, Campo Alegre Urbanization,
Beautiful View.
Attention Time: Monday to Friday from 8:00 a.m. to 3:00 p.m.
Saturdays from 9:00 a.m. to 12:00 p.m.

Updated as of November 21, 2019

Page 31
 BANISI, S.A.

ACCOUNT FORMAT

Savings Accounts 3 branch digits

3 digits sub-application
8 digits account number
Current Accounts 3 branch digits
3 digits sub-application
8 digit account number

Loan 3 branch digits

3 digits sub-application
8 digits account number

Credit Cards 4863 5500 0000 0000 Classic Visa

4863 5600 0000 0000 Visa Gold
4863 5700 0000 0000 Visa Platinum
4321 9100 0000 0000 Visa Infinite
4321 9200 0000 0000 Corporate Visa

SENDING OF DEBIT AUTHORIZATIONS

Name of the First Contact Mireya Baules

Location BANISI Tower, 58th Street with 50th Street, Obarrio, Bella Vista
Panama City, Republic of Panama
Telephone (507) 305-8300 ext. 28012
Fax (507) 305-8300 ext. 8333

Second Contact Jesus Alabarca

Location BANISI Tower, 58th Street with 50th Street, Obarrio, Bella Vista
Panama City, Republic of Panama
Telephone (507) 305-8300 ext. 27622
Fax (507) 305-8300 ext. 8333

Third Contact Kathia Serrano

Location BANISI Tower, 58th Street with 50th Street, Obarrio, Bella Vista
Panama City, Republic of Panama
Telephone (507) 305-8300 ext. 27610
Fax (507) 305-8300 ext. 8333

Operating Hours From 08:30 to 14:00

Updated on May 30, 2015

Updated as of November 21, 2019

Page 32
 MERCANTIL BANK (PANAMA), S.A.

ACCOUNT FORMATS

Savings Accounts: 12 DIGITS

000299999999 The first 3 digits are agency
002299999999 4 digit product type
(2 savings account)

12 DIGITS
Current Accounts
000399999999 The first 3 digits are agency
002399999999 4 digit product type
(3 checking accounts)

Loans: Not Applicable

Credit Card: Not applicable

NOTE:

Only ACH CREDIT operations coming from other banks are allowed.
Agencias: 000 Agencias TLDA ; 002 Agencia Zona Libre

PERSONNEL OF
CONTACT:
First Contact/ E-mail Edison Pérez eperez@mercantilbankpanama.com
Telephone/ Fax: 282-7012
Second contact/ E- Gény Bernal gbernal@mercantilbankpanama.com
mail
Phone / Fax: 282-7008
Third Contact Luis Torregroza ltorregroza@mercantilbankpanama.com

Telephone 282-7002

Branch: Towers of the Americas

Located: Ground Floor, Local 8-A Punta Darién Street, Urb. Punta Pacífica,
Panama
Hours of Operation: 8:00 a.m. – 4:30 p.m.
Phone:

Updated as of November 21, 2019

Page 33
 BBP BANK, S.A.

ACCOUNT FORMAT

Savings Accounts
11 Digits

Current Accounts
11 Digits

Loan
10 Digits
0010000000

Credit Cards
16 Digits (Visa)
4998 XXXX-XXXX-XXXX

NOTE: 1-
2-
3-

SENDING OF DEBIT AUTHORIZATIONS

JOSE CALVO C. / jcalvo@bbpbank.comTel.: 297-3400
STEPHANIE CARRERA/ scarrer@bbpbank.comTel.: 297-3400
ALEXANDRA LIZANO/ plizano@bbpbank.comTel.: 297-3400

Location: Torres de Las Americas, tower C, floor 14, office 1401

Office Hours: 8:00 a.m.–5:00 p.m

Updated as of November 21, 2019

Page 34
 UNIBANK, S.A.

ACCOUNTING FORMAT
Savings Accounts 5 to 12 digits
Current Accounts 5a12digits
Loans 5 to 12 digits
Accounting Accounts 16 digits

NOTE: If the account number is greater than the number of digits

above assigned, the transaction will be automatically rejected

SENDING OF DEBIT AUTHORIZATIONS:

First Contact: Jose Pierre
Tel: 297-6032
jose.pierre@unibank.com.pa

Second Contact: Pedro Ortega

297-6043
pedro.ortega@unibank.com.pa

Third Contact: Claudia Rangel

297-6051
claudia.rangel@unibank.com.pa

Location: Branch Avenida Balboa, Grand Bay

Tower, Ground Floor Opening Hours: Monday to Friday from
8:00 a.m.–5:00 p.m.

Updated as of November 21, 2019

Page 35
 Ficohsa Bank Panama

ACCOUNT FORMAT

Savings Accounts: 999-999-99999999 (14 Positions)

999-999-99999999 (14 Positions)

999-999-99999999 (14 Positions)

Credit Cards: 9999-9999-9999-9999 (16 Positions)

List of Goods: 431996 - 533514

457530 - 534554
457531 - 536210
-78320
457533
457534

NOTE: 1-
2-
3-

SENDING OF DEBIT AUTHORISATIONS

Ana Patricia Aguilar Tel.: 380-2313
Rigoberto Barría Sanjur Tel.: 380-2306
Angel Flores Tel.: 380-2316
340-4574

Location: Costa del Este, Cristal Plaza Building

Hours of Operation: Monday to Friday from 8:00 a.m. to 5:00 p.m.

Updated as of November 21, 2019

Page 36
 Bancolombia (Panama Branch)

ACCOUNT FORMAT

Savings Accounts
N.A

Current Accounts
N.A

Loan
13 digits

Credit Cards
N.A

Term deposits
13 digits

NOTE: The Bank will validate the account against its account number.
For Term Loans and Deposits, please confirm the customer number.

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name
Rosalyn Pinto Barbosa
Tel.: 208 97 10
269 19 68
Mail:rpinto@bancolombia.com

Second Contact Name

Doraida A. Bonilla M.
Tel.: 208-9783
263-9436
Mail:dbonilla@bancolombia.com

Name of the Third Contact:

Lydia Prado Hernández
Tel.: 208-9709
2630378
Mail:lprado@bancolombia.com

Location: Plaza Marbella, Aquilino de la Guardia Street and 47th Street.

Bancolombia Building, Panama City.

Service Hours: Monday to Friday 8:00 a.m.–4:30 p.m.

Updated as of November 21, 2019

Page 37
 BI- BANK, S.A.

ACCOUNT FORMAT

Current Accounts 12 digits

10XXXXXXXXXX

Savings Accounts 12 digits

30XXXXXXXXXX

Loans 14 digits
XXXXXXXXXXXXXX

NOTE
1- Checking accounts start with ten (10). A total of 12 digits.
2- Savings accounts start with 30 and Christmas accounts with 40. (12 digits in total)
3- The loans start with twenty (1,2,3,7,9). 14 digits in total.

SEND DEBIT AUTHORizations

All communications should be sent to the following email address:

operaciones@bibank.com.pa

First Contact: Operations Manager

Elder Calderón / Tel. 308-0848 / ecalderon@bibank.com.pa

Second Contact: VP of Operations and Finance

oHarold Mora/Phone 308-0800 / hmora@bibank.com.pa

Hours of operation: Monday to Friday from 8:00 a.m. to 5:00 p.m.

Location:Avenue Samuel Lewis, 57th East Street, Obarrio, Panama.

Updated as of November 21, 2019

Page 38
 ATLAS BANK (PANAMA), S.A.

ACCOUNT FORMAT

Savings Accounts 12 Digits

11xxxxxxxxxx

Current Accounts 12 Digits

11xxxxxxxxxx

Loan 12 Digits
11xxxxxxxxxx

Credit Cards N/A

SENDING OF DEBIT AUTHORIZATIONS

Anel Carofiles Tel.: 308-5200 Ext 5548

Nathalie Angulo Tel.: 308-5200 Ext 5536

Location: Costa del Este, Boulevard Avenue, Financial Park Building, floor 40

Hours of Attention: Monday to Friday from 8:30 a.m. to 3:30 p.m.

Updated as of November 21, 2019

Page 39
 EDUCATOR SAVINGS AND LOAN COOPERATIVE, R.L.

ACCOUNT FORMAT
Savings Accounts: 17 POSITIONS: 1 digit (Savings = 1)
8 digits (Affiliate No.)
8 digits (Account No.)

Loan: 17 POSITIONS 1 digit (Loan = 2)

8 digits (Member Number)
8 digits (Type of Loan)
00000001 Current
Proven Urgency
Fast Processing
Quick Recovery
00000005 Special School
00000006 Automatic No.1
00000008 Guaranteed Credit No.1
00000009 Auto Financing
Loan to Cooperatives
Housing Improvement
Guaranteed Credit No.2
00000014 Mortgage Guarantee
00000015 Mortgage Purchase
00000016 Commercial
Small Business
Professional Development No.1
00000019 Automatic No.2
Professional Development No.2

Credit Cards 17 POSITIONS 1 digit (Credit Card = 3)

16 digits (Plastic No.)
COOPECREDITO ## ###### ## ######
FUCER #### #### #### ####
MasterCard 5462 95## #### ####
Visa 4016 01## #### ####

NOTE: All our accounts require the indicated 17 digits. The cooperative will be in charge of reviewing them.
account numbers of the transactions to validate them

SENDING OF CREDIT AUTHORIZATIONS:

Juan Carlos Rivas
Location: Headquarters–Bethania
260-1944
Service Hours: 8:30 a.m. - 4:00 p.m.

Mirlena Portugal
Location: Albrook Branch
314-6453
Opening Hours: 10:00 a.m. - 6:00 p.m.

Ubaldino Lezcano
Location: Head Office - Bethania
260-1944
Office Hours: 8:30 a.m. - 4:00 p.m.

Updated as of November 21, 2019

Page 40
 SAVINGS AND LOAN COOPERATIVE
THE SANTEÑO EDUCATOR, R.L.

ACCOUNT FORMAT

Savings Accounts
16 account digits
1 check digit

Current Accounts
NOT APPLICABLE

Loan
16 account digits
1 verification digit

Credit Cards
NOT APPLICABLE

NOTE:

SENDING OF CREDIT AUTHORIZATIONS

First Contact Name Miriam Sáez or Carmen Jaén

Location: COOESAN Building, R. L. Las Tablas, Prov. De Los

Saints
Opening Hours: Monday to Friday from 7:30 a.m. to 4:00 p.m.
Saturday from 8:00 a.m. to 11:30 a.m.
Phones: 994-6325/994-9646/994-7955 Fax: 994-7333

Name of the Second Contact Suleyca Vega

Location: Albrook Mall Panama, Rhinoceros Corridor 2nd
Attention Hour Floor: Monday to Friday from 10:00 a.m. to 6:00 p.m.
Saturday from 10:00 a.m. to 2:00 p.m.
Phones: 314-6735/314-6736 Fax: 314-6739

Tercer Contato Leisly Zarzavilla

Location: COOESAN Building, R. L. Las Tablas, Prov. of Los

Saints
Attention Time: Monday to Friday from 7:30 a.m. to 4:00 p.m.
Saturday from 8:00 a.m. to 11:30 a.m.
Telephones: 994-6325/994-9646/994-7955 Fax: 994-7333

Updated as of November 21, 2019

Page 41
 SAVINGS AND LOAN COOPERATIVE
THE CHIRICANO EDUCATOR, R.L.

ACCOUNT FORMAT

Types of Services
SAVINGS
2. LOANS
3. CARDS

Savings Accounts
1 DIGIT = 1
8 DIGITS CUSTOMER NUMBER
8 DIGITS ACCOUNT NUMBER

Loans
1 DIGIT = 2
8 DIGITS CUSTOMER NUMBER
8 DIGITS LOAN TYPE

(01,02,03,04,06,07,08,09…35)

Credit Cards
1 DIGIT = 3
16 DIGITS CARD NUMBER

NOTE: For the case of customer number and account number, fill in with zeros to
the left to complete the length of the field.

SENDING OF CREDIT AUTHORIZATIONS

First Contact Name: Jennifer Pérez Tel.: 775-3720 / 777-1097 Ext.
115
Second Contact Name Darlin Jaén Tel.: 775-3720 / 777-1097 Ext.
106
Third Contact Name Gaspar Gómez Tel.: 775-3720 / 777-1097 Ext.
107
774-3028
Location: David, Chiriquí
Service Hours: 7:30 a.m. to 4:30 p.m.

Updated to November 21, 2019

Page 42
 SAVINGS AND LOAN COOPERATIVE
OF COCLÉS EDUCATORS, R.L

ACCOUNT FORMAT
SAVINGS ACCOUNT: service_type 1 (one digit SAVINGS)
MEMBER NUMBER: 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00XXXXXX (8 digits)
Fill in the missing positions with zeros: 10000XXXX0000XXXX

LOANS: TYPE OF SERVICE: 2 (a digit LOANS)

MEMBERSHIP NUMBER: 00XXXXXX (8 digits)
TYPE OF LOAN: 00000000XX (8 digits)
Fill in the missing positions with zeros: 20000XXXX000000XX
TYPE OF LOANS
CURRENT 01
SPECIAL 02
AGRICULTURAL 03
SPEEDY RECOVERY 04
SMALL BUSINESS 05
HOUSING 06
AUTOMATIC 07
ADDITIONAL 10
GUARANTEED 11
To Third Parties 13
CREDIT LINE 14
COEDUVI-1 15
PLEDGE 16
Mortgage 17
FAST RECOVERY LINE 18
COEDUVI-2 19
AUTOMATIC-2 20
EDUCATIONAL 21
CURRENT ASSOCIATED ABOUT TO RETIRE 22
OTHER CURRENT 23

CONTRIBUTIONS: TYPE OF SERVICE: 3 (a digit

CONTRIBUTIONS NUMBER OF MEMBER 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00000000 (8 digits)
Fill the missing positions with zeros: 30000XXXX00000000

Accounts Receivable TYPE OF SERVICE: 4 (four digit ACCOUNTS RECEIVABLE)

MEMBER NUMBER: 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00XXXXXX (8 digits)
Fill the missing positions with zeros: 40000XXXX0000XXXX

SENDING OF CREDIT AUTHORISATIONS

First Contact: Licdo. Leonidas García Tel.: 997-7010 / 997-9633 Fax: 997-
7098
Second Contact: Licda. Luz A. de Gálvez Tel.: 997-7010 / 997-9633 Fax: 997-
7098
Third Contact: Lic. Damaris R. de Lezcano Tel.: 997-7010 / 997-9633 Fax: 997-
7098
Location: Penonomé, Harmodio Arias Street, Las Mendozas Road.

Updated as of November 21, 2019

Page 43
 MULTIPLE SERVICES COOPERATIVE EL EDUCADOR VERAGUENSE, R.L.

ACCOUNT CODING FORMAT

TYPE CUSTOMER ID NUMBER CLASS OF PRODUCT ACCOUNT NUMBER

1 (digit) 8 digits (Client ID) 3 digits (Product No.) 5 digits (Account number)
011 Current Savings
012 Christmas Savings
1 Savings 015 Fonjupen Savings
00000000 017 Savings Pagacoop Base 100
018 Pagacoop Savings Base 1000
019 Future Savings
114 ACH Savings
115 Key Savings
119 Children's / Youth Savings

1 (digit) 8 digits (Client ID) 3 digits (Product Number) 5 digits (Account number)
021 Personal
022 Additional
023 Agricultural
2 Loan 024 Rapid Recovery (PRR)
00000000 025 Housing
026 Business 00000
027 Medical Services
029 Housing Improvements
212 Habicoop
214 Prendario
215 Mortgage Consolidation
216 Automatic
217 Educational
218 Refinancing
219 Extraordinary (FBS)
220 Agricultural Credit Line
221 Line of Credit (LCR)
222 School
224 Computer Purchase
225 I am a Micro Entrepreneur
226 Personal II
227 Rotating Benefit Line

1 (digit) 8 digits (Customer ID) 3 digits (Product Number) 5 digits (Account number)

3 Contributions 031 Social Contributions

CREDIT CARD VISA (16 digits) 4 digit BIN 4191 #### #### #### (Card Number)
4 digit class
8 digits account
1 (digit) 3 digits (Product No.)
618 Seprofa
6 Life Insurance 8 digits (Customer ID) 5 digits (Account number)

1 (digit) 8 digits (Customer ID) 3 digits (Product No.) 5 digits (Account number)
071 Lease of Lot
7 Funeral Complex 072 Batch Maintenance
075 Lease of Niches
076 Lease of Ossuary
Ronnie F. Bonilla D.
Tel: 998-4903 Ext.205
rbonilla@coopeve.com
Location: Santiago de Veraguas Branch
Hours of Operation: Monday to Friday 8:00 a.m. to 4:30 p.m. - Saturdays 8:00 a.m. to 12:00 p.m.
Elvecia de De León
998-4903 Ext.189
elvecia@coopeve.com
Location: Santiago de Veraguas Branch

Customer service 800-7990

Monday to Friday 8:00 a.m. to 4:30 p.m. - Saturdays from 8:00 a.m. to 12:00 p.m.

Updated on November 21, 2019

Page 44
 SAVINGS AND LOAN COOPERATIVE
CRISTOBAL, R.L

ACCOUNT FORMAT

SAVINGS ACCOUNT: service_type 1(digits SAVINGS)

MEMBER NUMBER: 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00XXXXXX (8 digits)
Fill in the missing positions with zeros: 10000XXXX0000XXXX
LOANS: TYPE OF SERVICE: 2(a digit LOANS)
MEMBERSHIP NUMBER: 00XXXXXX (8 digits)
LOAN TYPE: 00000000XX (8 digits)
Fill the missing positions with zeros: 20000XXXX000000XX
TYPE OF LOANS

FIXED RATE 01 ADDITIONAL GUARANTEED INVESTMENT 32

HOME SPECIAL 02 SOCIAL WELL-BEING 33

STUDY 03 MEDICAL BENEFITS 34

CONSOLIDATION 04 EXTERNAL URGENCY 35

RISKS 05 EMERGENCY 36

automobile 06 Insurance Policy 37

CONSTRUCTION MATERIALS 07 DETENTION OF INTERESTS 38

CHURCH 08 WAIVER OF INTERESTS 39

CELL PHONE 09 DECREASE IN INT., TERMS, 40

PERSONAL 10 DEMANDS 50

SPEEDY RECOVERY 11 BAD ACCOUNTS 51

SAVINGS AND CONTRIBUTION 12 SAVINGS TO THIRDS 52

SAVINGS 13 Fixed Terms to Third Parties 53

CHRISTMAS 14 CHRISTMAS TO OTHERS 54

Fixed term 15 FDO. DE JUB. TO THIRD PARTIES 55

MORTUARY PLAN 16 AHO. AND APO. (ADDITIONAL) 86

BUSES 17 SPECIAL CONCILIATION (DEFAULTERS) 87

COOPERATIVISM 18 ADDITIONAL STUDIES-1 88

GUARANTEED INVESTMENT 19 ADDITIONAL CONSOLIDATION-1 89

EXCURSION 20 FOR ADDITIONAL BUSES-1 90

THIRD PARTIES 21 ADDITIONAL FIXED TERM-1 91

NON-PREFERENTIAL MORTGAGE 22 ADDITIONAL SAVINGS-1 92

COMPUTER 23 ADDITIONAL CHRISTMAS-1 93

RETIREMENT 25 SPECIAL TRIP 94

FIXED RATE NOT INSURED 26 ADDITIONAL FIXED RATE - 1 95

FIXED CHRISTMAS RATE 27 ADDITIONAL FIXED RATE - 2 96

UNINSURED FUND 28 ADDITIONAL FIXED RATE - 3 97

PROMOTIONAL 29 ADDITIONAL AUTOMOBILE - 1 98

NON-PREFERENTIAL MORTGAGE 30 ADDITIONAL AUTOMOBILE - 2 99

INVESTMENT #1 31

CONTRIBUTIONS: TYPE OF SERVICE: 3(a digit)

CONTRIBUTIONS MEMBER NUMBER: 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00000000 (8 digits)
Fill the missing positions with zeros: 30000XXXX00000000

ACCOUNTS RECEIVABLE TYPE OF SERVICE: 4 (four-digit ACCOUNTS RECEIVABLE)

MEMBER NUMBER: 00XXXXXX (8 digits)
ACCOUNT NUMBER: 00XXXXXX (8 digits)
Fill in the missing positions with zeros: 40000XXXX0000XXXX

SENDING OF CREDIT AUTHORISATIONS

First Contact: Mayra Stevens Tel. 433-2150/2166mstevens@coopcristobal.com
Second Contact: Christiane Rodríguez 433-2150/2166christr@coopcristobal.com
Third Contact: Diana de Medina Tel. 433-2150/2166dmedina@coopcristobal.com
433-2084/2321
Location:
Colón, Plaza Colón Shopping Center 4th Floor Store No. 71
Attention Hours: Monday to Friday 8:00 a.m. to 5:00 p.m. - Saturdays 9:00 a.m. to 12:00 p.m.

Updated as of November 21, 2019

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 COOPERATIVE OF SERVICES
MULTIPLE EDIOACC, R.L

ACCOUNT FORMAT

Savings Accounts 3 branch digits.

3 digits sub-application.
6 digit account number.

Loan 3 branch digits.

3 digits sub-application.
6 digits account number.

Credit Cards 5227 6100 0000 0000 Standard Mastercard

5226 9600 0000 0000 Mastercard Gold
5227 2400 0000 0000 Mastercard Platinum

NOTE: 1-
2-
3-

SENDING OF DEBIT AUTHORISATIONS

First Contact Name Carlos Madrid
Location: Diablo Heights Building 5051–X
Telephones: 207-6200 ext. 145

Segundo Contacto Edis Frías

Location: Diablo Heights Building 5051–X
Telephones: 207-6200 ext. 150

Tercero Contacto Kristel Rodriguez

Location: Diablo Heights Building 5051–X
Telephones: 207-6200 ext. 106

Updated on November 21, 2019

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 MULTIPLE SERVICES COOPERATIVE
ECASESO, CHIRIQUÍ, R.L.

ACCOUNT FORMAT

Savings Accounts 10 digits:

- 2 digits of the Product. 03 (Savings).
8 digits of the Account.

Current Accounts

Loan 10 digits:

2 digits of the Product. 04 (Loans).

8 digits of the Loan number.

Credit Cards

NOTE: 1-
2-
3-

SENDING OF DEBIT AUTHORIZATIONS

First Contact Name Diana Patricia Araúz Tel.: 774-8637
Second Contact Name Maria Cubilla 774-8637
Name of the Third Contact Ana Castillo Tel.: 774-8638
Fax:
Location: 1st West Avenue, between North Street C and D
Opening Hours: From 8:00 a.m. to 5:00 p.m.

Attention Time: Monday to Friday: 8:00 a.m. to 5:00 p.m.

Saturdays: 8:00 a.m. to 12:00 p.m.

Updated as of November 21, 2019

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 MULTI-SERVICE COOPERATIVE
CHANNEL PRACTICALS, R. L.

ACCOUNT FORMAT

Savings Accounts
The accounts will have a maximum of 17 digits
0020X 3 XXXXXXXXXXX
5 digits for the office (Example: 0020X)
1 digit for the type of account (for example 3 for Savings)
11 up to eleven digits for the account number.

Loans
The accounts will have a maximum of 17 digits.
0020X 4 XXXXXXXXXXX
5 digits for the office (Example: 0020X)
1 digit for the type (e.g. 4 for Loans)
11 to 11 digits for the account number.

Accounts receivable
The accounts will have a maximum of 17 digits.
0020X 7 XXXXXXXXXXX
5 digits for the office (Example: 0020X)
1 digits for the type (e.g., for accounts receivable)
11 to 11 digits for the account number.

NOTE: 1- The accounts go without dashes

2- the accounts will be filled with 0 in front in case digits are missing

SENDING OF DEBIT AUTHORizations

Name of the First Contact ROSELYN FUENTES Tel.: 314-1523
Second Contact Name MAIRA ROBINSON Tel.: 314-1523
Name of the Third Contact Carlos Jienez Tel.: 314-1523
314-1083

Location: La Boca Balboa Building 793x Julio Linares Street

Opening Hours: L–V: 7:30 A.M. to 4:00 P.M. 8:00 A.M. to 12:00 P.M.

Updated as of November 21, 2019

Page 48
 IFARHU
ACH transaction submission format for loan credits from IFARHU

Companies that provide direct discounts to their employees for loan payments
from IFARHU, they can send the corresponding credits via ACH following the
following specifications:

Field Description or Value

Bank Name SAVINGS BANK (R/T 000000770)
Account Type Current
account_number 010000032077
Name Enter the name of the borrower employee
Identity card Enter the employee-borrower ID
Amount Put in a letter that supports
Addendum REF*TXT**contractnumber\
For example, REF*TXT**5678909\

It is important to comply with the requested data format. Only one must be sent.
transaction for each loan.

Companies that require it can contact IFARHU with the Director of

Collections, Lic. Delma de Laure, phone 500-4727, 500-4760, fax 500-4739 or to the email
electronico dlaure@ifarhu.gob.pa.

Updated as of November 21, 2019

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 Account Formats
New System Format

PRODUCT DIGITS THEY START WITH

Accounts and Loans 12 11

Credit Cards 16 5536-26XX-XXXX-XXXX

Previous system format (coexisting)

PRODUCT FORMAT

Savings Account 12 characters

Starts with 2
2 first represents the Product
2 following represents the Product Type
7 digits represent client
1 digit the verifier

Current Account 12 characters

Start with 20
2 first represents the Product
The following 2 represent the Product Type
7 digits represent client
1 verification digit

Loan 12 characters
Start with 10
2 first represents the Product
The following 2 represent the Product Type
7 digits represent customer
1 verification digit

Credit Card 5536-26XX-XXXX-XXXX (16 digits)

SENDING OF DEBIT AUTHORIZATION TO:

Card Operations and Electronic Banking Officer
emailbackofficecards.pa@prival.com
● Prival Building Calle 50 and 71, Tel: 303-1900

Updated on November 21, 2019

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