Find the perfect checking account for you

These are the featured accounts available in Alabama, Arizona, California, Florida, Colorado, New Mexico and Texas.

All accounts include:

Need help choosing?

Premium Checking

Best for: People who want our best account with premium perks.

  • Earn interest
  • No ATM fees nationwide at 64,000 BBVA USA and participating non-bank ATMs1
  • Automatic rebate of ATM fee charged by other banks: Two a month
  • Monthly Service Charge: $19 (see ways to waive)

BBVA Online Checking

Best for: An online-focused banking experience for people who don’t live near BBVA branches

  • No ATM fees nationwide at 64,000 BBVA USA and participating non-bank ATMs1
  • Paper statement fee: $3 a month (opt out with free e-statements)
  • Monthly Service Charge: $0

BBVA Free Checking

Best for: Getting all the checking necessities.

BBVA Logo Icon

America's Award-Winning Mobile Banking App

Download App for Smartphone


Frequently asked questions

How do I find an ATM when I need cash?

Easily find a branch or ATM near you with our location finder

If I don't live near a branch will I still get personal service?

By opening an account online, you will get complimentary service from our team of remote bankers via phone, email, text or video conference. Living near a branch is no longer necessary.

Can I use a mobile phone for banking?

Yes! In addition to being able to apply for a checking account through your phone with a mobile deposit, BBVA customers have access to an award winning app. Our powerful Mobile Banking App helps you take control of your finances no matter where you go. Pay bills, check balances, transfer money, sign up for alerts to keep an eye on your money— all from the convenience of a simple-to-use, award-winning Mobile Banking App. 

How do I order checks?

Use our convenient online option. You may also send checks directly from Online and Mobile Banking using Bill Pay without buying paper checks.

How do I request and activate my Debit Card?

 You will receive a debit card for each account holder when you open a BBVA checking account. If your card is lost, stolen, or damaged, a replacement card can be ordered in a branch or by calling 1-844-BBVA USA.

To activate your debit card, we offer four simple options:

  • Call 1-866-676-1895 to activate your card through our automated system
  • Download BBVA Wallet and activate your card within the app
  • Use your card at any BBVA USA ATM with your PIN
  • Make a purchase at any retail location using your PIN
Does BBVA offer a free checking account?

Yes. BBVA Free Checking keeps you in control of your money. 

How do I switch to BBVA?

Switching to BBVA is easy. Open a checking account online, then download the Consumer Switch Kit to get started.

How do I open a checking account?

Once you choose the checking account that fits your needs, there are several ways to apply:

Apply for a checking account instantly online

Open Now

Apply by phone

Call 1-844-BBVA USA (1-844-228-2872)

Apply in person

Find a BBVA location

Details you need to make a smart decision

Checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Please refer to the Terms & Conditions for each product or service for additional details. Additional terms and miscellaneous fees may apply.  Products, features, and benefits offered with accounts are subject to change at any time.

Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.

With your BBVA Premium Checking, or BBVA Online Checking  account, there will be no charge for use of an ATM in the Allpoint® network and participating 7-Eleven® locations, as long as you use the BBVA Debit Card issued in conjunction with one of these accounts.  ATM fees may apply to certain 7-Eleven locations in Oklahoma, Hawaii, and Alaska. All 7-Eleven ATMs with an FCTI contact sticker on the ATM are fee-free. If you feel you have been charged a surcharge in error at an Allpoint® or participating 7-Eleven® ATM, please call us at 1-844-BBVA USA.