BBVA Free Checking
Information about our products
As we are working to become PNC Bank, BBVA checking, savings, money market and CD products will no longer be available for online application as of August 6, 2021. Most deposit products will still be available in BBVA branches until transition in October but may include different product features, terms, pricing, and fees than similar PNC deposit products.
BBVA Free Checking
The best things in life are free.
With a BBVA Free Checking, you'll receive personalized, reliable service without a monthly Service Charge. So get started and open now for your free checking account.
Free Checking Account Features
- Initial Deposit: Open with $25
- No monthly Service Charge
- No ATM fees at BBVA USA ATMs
- Free Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay
- One Free Visa® Debit Card per account holder:
- Earn cash back rewards for everyday debit card purchases with Simple Cash BackSM
- Personalize with your favorite photo for $10 per card
- Free customizable alerts2
- Free online and paper statements
- Free unlimited check writing
Custom Features for Free Checking:1
Do you regularly use checks or need a Safe Deposit Box? For a few dollars a month, you can add optional Custom Features1 to your Free Checking account and possibly save yourself money.
What do I need to open a Free Checking Account at BBVA?
In order to verify your identity for a Free Checking account, please have the following available when you open the account:
- A valid government issued ID such as a driver’s license, state Issued ID with photo, or a passport. No Monthly Service Charge or fees
- Social Security Number (for primary and joint account holder)
- $25 Minimum deposit (this deposit can be made from a Debit/ Credit Card, another bank, or an existing BBVA account)
Additional services with this account
Anyone can lose track of their spending and accidentally overdraw their Free Checking account. But don’t worry, BBVA has financial tools like our overdraft programs, that can help protect you from unforeseen shortfalls.
BBVA ClearBenefits Program
As we transition to PNC, BBVA USA is no longer enrolling new customers to the BBVA ClearBenefits Program. Customers enrolled in the program prior to June 19, 2021 will continue to receive their benefits, subject to the monthly $4.00 fee.
The BBVA ClearBenefits Program includes 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 BBVA Free Checking, you'll enjoy:
Free Checking Frequently Asked Questions
What is an online checking account?
An online checking account, or online banking, is a digital service that lets you manage and monitor your checking account from a computer, tablet or smartphone via the Internet. One of the main advantages of online checking is that it allows you easy access to up-to-date information on your account, such as your current balance. You can also use online checking to pay bills and transfer funds from another linked account. These accounts include a debit card and are meant to be combined with a mobile banking feature that lets you access your account from your phone. These features are available with BBVA Free Checking. All BBVA checking accounts including BBVA Free Checking offer online checking
How do I open an account and manage my money?
Opening a BBVA Free Checking account is easy and can be done online, in a branch or over the phone. Once you have the account, you can add free Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay. These services will give you the ability to easily manage your money virtually anywhere, putting you in control of your financial decisions.
How do I earn interest?
Some checking accounts earn interest on your balance. Usually, that interest depends on maintaining a certain balance. Customers who would like to earn interest on checking, should consider BBVA Premium Checking. If you’re considering BBVA Free Checking, then the best way to start earning interest is to add a savings account. Savings also gives you the ability to add overdraft protection by linking your savings to checking.
Where are the fees with free checking?
BBVA Free Checking comes with no monthly service charge, no ATM fees when using BBVA USA ATMs, plus a Visa® Debit Card, Online Banking and Mobile Banking all free. When you open this account, you also get free unlimited check writing and free paper statements. When it comes to the typical monthly usage fees, free checking really does mean free at BBVA.
Note that International Service Fees (ISFs) may apply. International Transactions are those transactions using your ATM or Debit Card initiated in person, online, or via telephone with a party located or who processes transactions outside of the United States, even if the transactions are initiated within the United States and/or in US dollars. A full description of the currency conversion process is contained in your ATM/Debit Card Agreement.
What if I overdraft my account?
If you overdraft your Free Checking account, there are two types of fees that could be charged. A Paid Item Overdraft Fee (NSF charge - Paid Item) is charged when a transaction exceeds your checking account's available balance but BBVA pays the transaction anyway. A Returned Item Overdraft Fee (NSF Charge - Returned Item) is when a transaction exceeds your checking account's available balance and the bank does not pay the transaction.
Also, If your account remains overdrawn by more than $1.00 for seven (7) consecutive calendar days, an Extended Overdraft Service Charge of $23 will be assessed. An additional $23.00 Extended Overdraft Service Charge will be assessed for every seven (7) consecutive calendar days that your account remains overdrawn by more than $1.00. A maximum of four Extended Overdraft Service Charges may be assessed per overdraft occurrence. This charge is in addition to any NSF fees you may incur as a result of items being presented against insufficient funds.
We may, at our discretion, authorize and pay overdrafts for the following types of transactions: (i) checks and other transactions made using your checking account number; and (ii) automatic bill payments. If you do not want BBVA to authorize and pay overdrafts arising from checks and other transactions made using your checking account number and from automatic bill payments, you must opt-out of our standard overdraft practices for these types of transactions.*
How do I request and activate my Debit Card?
To request a replacement BBVA Debit Card, you can use Online banking, Mobile banking app or call 1-844-228-2872. To activate a new BBVA Debit Card, call 1-866-676-1895, use the BBVA Mobile Banking app or visit a BBVA USA ATM with your PIN.
How do I switch to BBVA?
Once you’ve made the decision to switch to BBVA, you’ll need to open a checking account. Opening the account is easy and can be done on your computer. To close your old account, ask the previous bank for an Account Closing Request Form. Any funds remaining in the account will be moved to your new BBVA checking account. If you need to also switch a direct deposit, request a Direct Deposit Form from your employer or the Social Security Administration. In addition, to make changing your direct deposit easier, consider ClickSWITCH, a direct deposit platform that allows users to change their direct deposit through their employer without filling out a paper form. ClickSWITCH interacts with the employer directly on behalf of the employee, either electronically or mail
How do I open Free checking account online?
Opening a BBVA checking account can be done on your computer. Once you select the checking account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required.
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Establish a savings account that earns interest on your balance, plus gives you easy access to your money when you need it.
BBVA Online Checking
Access your account wherever, whenever with digital features built for life on the go. Pay $0 in monthly Service Charges, and enjoy no ATM fees at 55,000 ATMs worldwide.
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. Please refer to the Terms & Conditions for additional details. Additional terms and miscellaneous fees may apply. Products, features, and benefits offered with accounts are subject to change at any time.
1 Custom Features: Custom Features are available to BBVA Free Checking accountholders. Such accountholders can select Custom Features based on their personal financial needs, for a fee per Custom Feature per statement cycle. Please refer to the account Terms & Conditions for additional information. ATM Transactions, Check Supply and Cashier's Checks: Selection and de-selection of these Custom Features are effective immediately. Features cannot be de-selected for a minimum of six (6) months from date of selection. The applicable Custom Feature fee will be assessed beginning with the first statement cycle that the feature is selected and ending when the feature is de-selected. Safe Deposit Box: Subject to availability. The Safe Deposit Box Fee associated with the Safe Deposit Box must be auto debited from the BBVA Free Checking account.
2Alerts: 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.
Text Message Alerts: Message and data rates may apply. Please check with your wireless carrier about such fees.
BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.