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Getting started with a Second Chance Checking Account

We encourage you to first apply for our Free Checking account. If you do not qualify due to past credit, you will be offered an opportunity to open our second chance banking account - Easy Checking. Open an account at a BBVA branch, online or by calling 1-844-BBVA USA.

An opportunity to upgrade after 12 months

You can request to upgrade your Easy Checking account to another BBVA consumer checking account if, after 12 months, your account meets the following requirements:

  1. Your BBVA Easy Checking account is in active status
  2. Your BBVA Easy Checking account has a positive balance

Request an upgrade at a BBVA branch location or by calling 1-844-BBVA USA. An account upgrade opportunity—now that’s second chance checking!

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Features & Fees

Easy Checking Account Features

Account Fees

  • Monthly Service Charge: $13.95.
  • Paper Statements: You will automatically receive a paper account statement by mail for a fee of $3 per month. However, you can opt for free electronic account statements and eliminate the $3 Paper Statement Fee when you turn off paper statements through Online Banking.
  • Personalized BBVA Visa® Debit Card: $10 per card.

What do I need to open an Easy Checking Account?

In order to open an Easy Checking account, please bring the following items when you visit one of our local branches:
  • A valid government issued ID such as a driver’s license, state issued ID with photo, or a passport
  • Social Security Number (for primary and joint account holder, if applicable)
  • $25 Minimum deposit
Printable Summary

View a printable summary of account services and fees with the BBVA Easy Checking Account:

View Pricing, Requirements, and Terms

related service

ClearBenefits Program: Your safety net for the unexpected

Enroll in BBVA ClearBenefits Program and you'll get benefits like identity theft restoration and insurance, cell phone protection, and other great protection services. The monthly fee for the ClearBenefits Program is $4.00.

With Easy Checking, you'll enjoy:

Details you need to make a smart decision

All checking accounts and Debit Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges apply. 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: Alerts for card transactions and reward redemption are subject to service availability to your mobile device and cannot be guaranteed by BBVA. Alerts are subject to merchant billing practices and may not be received until your card is charged for the purchase price.

Mobile Deposit® is subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See Terms of Use for details, including information on funds availability. Mobile Deposit® is a registered trademark of Mitek Systems, Inc.

To use Simple Cash Back℠, customer must have a consumer BBVA debit card or credit card and be registered for Online or Mobile Banking. Eligible customers are enrolled in Simple Cash Back automatically, and offers will appear within Online and Mobile Banking. Offers are presented based on a history of transactions using the card.