Benefits

You could earn more by increasing your BBVA Relationship

With a BBVA Business Money Market Account, you'll enjoy great features that give you the opportunity to:

  • Low $1,000 minimum opening deposit
  • Competitive variable and tiered interest rate
  • Interest is credited monthly
  • Unlimited in-person transactions (transfers or withdrawals), six free transactions per month via phone or computer (not in person)
  • Check writing access

See Terms and Conditions for more information about Relationship Pricing.

Ready to switch to BBVA?

Want to move your funds to BBVA, but don’t know where to start? Here’s a simple checklist to help you make the switch today.

Download the Business Switch Kit (PDF)

RELATIONSHIP PRICING RATES

BBVA Business Money Market Account Relationship Rates1

The interest rate and APY applied to your account will be determined based on the Relationship Base Rate Chart, the Total Deposit Balance Rate Component chart and the Additional Relationship Rate Component chart (your “Relationship Rate”). Your Relationship Rate will be determined by adding the applicable Relationship Base Rate and the Total Deposit Balance Rate Component and the Additional Relationship Rate Component together.

Relationship Base Rate Chart

Daily Collected Balance Interest Rate APY*

Less than $10,000

0.010%

0.01%

$10,000 to $19,999

0.020%

0.02%

$20,000 to $49,999

0.050%

0.05%

$50,000 to $99,999

0.050%

0.05%

$100,000 to $249,999

0.050%

0.05%

$250,000 to $999,999

0.050%

0.05%

$1,000,000 to $2,499,999

0.090%

0.09%

$2,500,000 to $4,999,999

0.090%

0.09%

$5,000,000+

0.090%

0.09%

Choose Your Region to See Money Market Rates

Your banking region is currently set as   . If not correct, please change your banking region.

Each APY is current as of November 20, 2020. APY and interest rates are variable and subject to change at the discretion of BBVA without notice.  We may change any Rate Component at any time, which means your interest rate and APY may change. Fees may reduce earnings on the account.

If you are a Wealth customer with a Private Banker or an International Relationship Manager, please request the Wealth Relationship Base Rate Chart from your banker.

Relationship Pricing Components1

Total Deposit Balance Rate Component: Your Total Deposit Balance is determined by adding the Posted Balance in your business checking, business savings, business money market and CD accounts with the Bank at the time of relationship review.  Accounts and relationships will be reviewed at the end of each calendar month.  See Relationship Review disclosure below for additional information. For money market accounts with multiple account holders, please note Joint Account disclosure below.

Total Deposit Balance Tiers Interest Rate APY

Less than $250,000

0.00%

0.00%

$250,000 to $999,999.99

0.020%

0.02%

$1,000,000 or more

0.040%

0.04%

Additional Relationship Rate Component: Relationships eligible for the Additional Relationship Rate Component include:

  • Checking Account Component: If you have a BBVA business checking account with a minimum end of month Posted Balance of $25,000.00.   
  • Qualifying Business Lending Component: If you have one or more active Business loans or Business lines of credit with a total end of month outstanding balance of at least $25,000.00.  Not all loans qualify; please see the Qualifying Loans note below.

Accounts and relationships will be reviewed at the end of each month.  See the Relationship Review note below.

Number of Additional Relationships Interest Rate APY

One Additional Relationship

0.020%

0.02%

Two Additional Relationships

0.040%

0.04%

Fees

Money market account fees

Learn how to waive the fees below, and view all BBVA Business Money Market Account terms and fees in the Printable Summary.

 
Printable Summary

View a printable summary of account services and fees with the BBVA Money Market account:

View Pricing, Requirements, and Terms

Details you need to make a smart decision

BBVA Business Money Market: Money market accounts are subject to approval. Additional terms may apply; refer to the Terms and Conditions for additional details.

APYs accurate as of November 20, 2020. 

1Additional Information about Relationship Pricing:  

Relationship Review: Accounts and balances are reviewed on the last calendar day of each month to determine your Total Deposit Balance Rate Component and Additional Relationship Rate Component. Any Relationship Rate changes will be made on the 20th calendar day after your relationship is reviewed. When the 20th day falls on a non-Business Day, changes to your Relationship Rate will be made on the next Business Day. For accounts opened without a promotional rate, your relationship will be reviewed at the end of the calendar month that your account is opened. For accounts opened with a promotional rate, your relationship will be reviewed at the end of the promotional period based on your relationship at the end of the most recent month. If your promotional period ends on or after the 20th of the month you will be evaluated in the following month. Note: Accounts opened through a third party but held at BBVA USA (e.g. Azlo accounts) will not be included in the relationship review.

Qualifying Business Loans: Qualifying loans are business loans and business lines of credit, except for overdraft protection lines of credit (ODP LOC), Commercial Agriculture Loans, and Business Letters of Credit, which are excluded from the relationship pricing calculator. Additionally, business credit cards might take up to 90 days to be evaluated for Relationship Pricing, however, no retroactive interest will be credited or applied for Business Credit Cards.

Certain withdrawal transactions from savings and money market accounts may result in the account being reclassified as non-interest bearing if limits are exceeded. The following withdrawal transaction types are limited to six (6) per month: transfers to another deposit account with BBVA or to a third party by means of a pre-authorized agreement, telephonic request, check, debit card, draft or similar order (including Online Banking transfers and sweep transfers from a savings or money market account). There is no limit on the number of withdrawal transactions from such accounts when made in person at a BBVA banking office or at an automated teller machine. Withdrawal transactions of any type in excess of the Excess Transaction Fee limit will be subject to a fee.