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Until conversion, anticipated in October, there will be no change to your existing products and services.* PNC and BBVA USA have been working together closely to develop a thoughtful integration plan that includes mapping clients to the products and services that best align with their current solutions. You will begin to learn more about the conversion of your accounts, products, and services starting in August.

PNC has a strong track record for successfully acquiring and growing franchises, with an approach that puts clients and employees at the forefront of planning. We are committed to a successful conversion of BBVA USA to PNC.  For additional information and updates about the conversion of BBVA USA to PNC, please visit www.pnc.com/welcometopnc

* Note for BBVA Mortgage: By July, BBVA Mortgage applicants will receive a letter stating that their loan must close by Sept. 15, 2021, or it will be declined, and they will need to re-apply with PNC.

* Note for BBVA Wealth Solutions domestic clients (BSI): BSI clients were notified in the spring via email from BBVA Wealth Solutions that PNC will be taking over the advisory service, subject to regulatory approval and legal close. Conversion letters will be sent on July 12 from BBVA USA, and welcome letters from PNC Investments will be sent to BSI customers on/around July 27.

BBVA USA customers should continue to use the existing BBVA USA customer service and support contacts from legal close to conversion, anticipated in October.

PNC and BBVA USA customers must continue to make deposits at their respective banks, just as they do today, until conversion which is anticipated to occur in October.

BBVA USA customers must continue to use BBVA USA branches for their banking transactions until the conversion to PNC, anticipated in October.

Yes, BBVA USA customers can now use PNC-owned ATMs without a surcharge fee. Customers may incur a fee if they use a partner ATM. Use the PNC Locator to find a PNC-owned ATM. For PNC customers, they now have access to BBVA USA-owned ATMs free of charge.

BBVA USA customers will receive new PNC account and routing numbers at or near conversion, anticipated in October. We understand the inconvenience this may cause and are committed to making this a smooth process. While we will encourage all BBVA USA customers to move to their new PNC account and routing numbers as soon as possible after conversion, PNC will support BBVA customers using BBVA checks as they transition to their new PNC account.

While PNC will issue new account and routing numbers to BBVA USA customers at or near conversion, anticipated in October, BBVA USA customers will be able to continue to use their BBVA checks after the conversion to PNC. BBVA USA customers are encouraged to move to new PNC checks with their new account numbers as soon as possible after conversion. PNC offers discounts on Harland-Clarke check orders, which vary based on the specific checking product used.

Your deposits at PNC and your deposits at BBVA USA will continue to be insured separately for at least six months after legal close of the transaction. Time deposits (for example, CDs) may be insured for longer in certain circumstances. 

To dispute electronic transactions that appear in your BBVA Online Banking account, first sign in and select the appropriate account.

Then follow these steps:

1. Click on Disputes in the Related Activities window
2. Select the type of dispute under Transaction Type
3. Choose the transaction and provide details on your dispute

You will then receive confirmation and a ticket number for your dispute. Make sure to print or download your confirmation and keep for your reference. You can also monitor the status of current disputes submitted via Online Banking or with a Telephone Banking representative as they progress through the resolution process. You can also dispute an NSF charge, or other disputes that lack online resolution capabilities, by contacting us at 1-844-228-2872. If you need to dispute a credit card transaction, please call 1-800-239-5175.

Disclosures

*Up to 40 debit card transactions can be disputed at a time, if you need to dispute more than 40 transactions, they will need to create a separate dispute for the remaining items. If you are disputing multiple debit transactions, but for different reasons, they will need to create a separate dispute for each reason.

** Only 1 electronic transaction can be disputed at a time. If you need to dispute multiple electronic transactions, you will need to create a separate dispute for each. Bill Pay electronic transactions cannot be disputed through Online Banking. Popmoney electronic transactions cannot be disputed through Online Banking.

For Mobile Banking:

To stop or restart Paper Statements, you can either:

• Tap on the “what would you like to do” microphone in the search bar, then, say or enter “stop paper statements”.
  
  or
• Tap on the account from the Accounts Screen, tap on Account Details and then toggle the switch "ON" to receive Paper statements.
  
  or
• Tap on Display More Options and select Stop Paper Statements.

For Online Banking:

1. Sign in to Online Banking.
2. Place your mouse over "Service Center," then select "Online Banking Services."
3. In the Account Preferences box, click on the "Turn On or Off Paper Statements" link.
4. Find the column on the page titled "Paper Statements." Toggle the switch "OFF" for each account for which you wish to stop receiving paper statements. Toggle the switch "ON" to receive paper statements.
5. Click the "Next" button.
6. Select "Save Changes."

For Mobile Banking:

1. Sign in to the BBVA Mobile Banking app
2. Tap the “What would you like to do” bar at the top of the screen and say “Alerts” or
   Tap the “Main Menu” and select “Alerts”
3. Select the account you would like to activate alerts on
4. Toggle on all the alerts you would like to activate
5. Select your delivery options (push notifications or email)
6. Tap submit

For Online Banking:

1. In Online Banking, select the “Alerts” tab in the navigation bar, to access the Alerts home page. On the Alerts home page, you can view, add, edit, or delete your alerts for each account linked to your Online Banking profile.
2. Select an account/s.
3. Set the email address(es) at which you wish to receive alert notifications. You may have up to two email addresses on file to receive alert notifications. (Push Notification alerts can only be managed through Mobile Banking).
4. You can turn "on" and set specifications for each alert you would like to have active on the account.
5. Once all edits have been made click “Save.”

Watch this tutorial video or follow these instructions:

1. Sign in to the BBVA Mobile Banking App.
2. Tap “Move Money” from the main navigation bar at the bottom of the screen and select “Mobile Deposit”
3. Review the Deposit Limits and Holds screen to determine your deposit limit and when your funds will become available. Then follow the instructions on how to submit a mobile deposit. You may also deposit multiple checks in a single deposit session, just as if you were at an ATM. Simply take a photo of the front and back of each check as instructed. Mobile Deposit^® is subject to eligibility and further review. Mobile Deposit^® is a registered trademark of Mitek Systems, Inc.

Watch this short tutorial video on how to transfer funds and make payments in Online and Mobile Banking.

Mobile Banking:

1. Tap “Move Money” from the main navigation bar at the bottom of the screen and select “Make Payment/Transfer”
2. Follow the app's instructions.

Online Banking:

1. In Online Banking, select the “Payments and Transfers” tab in the navigation menu to access the Payments and Transfers home page.
2. Follow the prompts.

Mobile Banking:

To disable debit card/credit card via Mobile Banking:

Debit Card:

1. Once logged into Mobile Banking, tap on the checking account first that the debit card is linked to. Tap Manage Debit Card and then toggle the card off to disable the debit card.

Credit Card:

1. Tap on a Credit Card and tap Account Details. Toggle the card Off to disable the card.
2. After click Yes, a confirmation will appear. You can reactivate the card later.

Mobile Banking:

To report it lost or stolen:

Debit Card:

1. Once signed into Mobile Banking, tap on the checking account first that the debit card is linked to. Tap Manage Debit Card and tap on Display More Options. Then tap on Report Card Lost or Stolen.

Credit Card:

1. 1. Once signed into the Mobile Banking, tap on the Credit Card and tap on Display More Options. Then tap on Report Card Lost or Stolen.
2. Select if the card is Lost or Stolen and then review if the mailing address is correct, select the correct response. If you have a return mail, you must update the address before you can request a card. If the address is not correct, you will be taken to the update address flow. If you select that the address is correct, you will be prompted to select a Delivery Method, and then click Submit.
3. A green confirmation will appear. The card will also now show as BLOCKED. This permanently blocks the card, and we'll send a new card to the client automatically.

Online Banking:

To disable debit card/credit card via Online Banking

1. Once logged in to Online Banking, click on the Checking account that has the debit card linked to it or the Credit Card to disable.
2. On the account details screen, you will see a module on the right titled Associated Cards. Toggle the button to Off to disable the card.
3. A confirmation will appear, click Yes, disable. You can reactivate this card later.

To report it lost or stolen via Online Banking

1. Once signed into Online Banking, from the Account Summary page, either click on the Checking account that is linked to the debit card OR click the Credit Card that needs to be reported lost/stolen.
2. Click Report Lost/Stolen in the Associated Cards module on the right.
3. You will be taken to the Card Management screen, scroll to the Report Card Lost or Stolen module and select if the card is lost or stolen and if the address is correct or needs to be updated. If the address is not correct, you will be taken to the update Home and Mailing address flow. If you have a returned mailing flag on your account, you will be required to update your address. If you select that the address is correct, you will be prompted to select a Delivery Method, and then click Submit.
4. A green confirmation will appear. The card will also now show as BLOCKED. This permanently blocks the card, and we'll send a new card to the client automatically.

Note: Your new card will have a different number, so you will need to alert any merchants who process automatic payments against the lost/stolen card.

Online Banking:

To disable your card in Online Banking,

1. Select the Checking Account linked to your card.
2. Click “Active” in the associated cards section, which  changes the card’s status to “Disabled”. You can re-activate this card later.

To report it lost or stolen via Online Banking,

1. Select the checking account linked to your card.  
2. Click “Report lost/stolen” in the associated cards section to report it stolen.  This permanently blocks the card, and we’ll send a new card to you automatically.

Note: Your new card will have a different number, so you will need to alert any merchants who process automatic payments against the lost/stolen card.

You can also contact us immediately at 1-844-BBVA USA for debit cards and 1-800-239-5175 for credit cards if your card is lost or stolen.

To report fraud or identity theft: Visit our security center for instructions.

To activate your debit card, you can do any of the following:

Mobile Banking:

1. Sign in to your Award-Winning Mobile Banking App.
2. Say or enter  “Activate Card” in the search field.
3. Tap on the card to activate and follow the prompts.

Online Banking:

1. Sign in to Online Banking.
2. Select the checking account linked to the debit card.
3. Click  “Activate” in the “Associated Cards” section and follow the prompts.

Other options:

To activate your debit card, you can do any of the following.

• Contact us at 1-844-228-2872 and follow the prompts.
• Visit any BBVA USA ATM with your card and PIN.
• Visit a branch location for assistance.

The reason may be because you didn’t use your PIN at the time of purchase.

You see, if you make a purchase with a debit card and don’t use the PIN, and there are enough funds in the client’s account at the point of sale to cover the transaction, the transaction will be authorized and allowed to proceed.

Since no PIN was used, the transaction will take 4 days or longer to actually post to your account. If during that time, you spend all your available balance through another means (check, ACH, etc.), then when that original debit card transaction is received and posted, it will overdraw your account.

Since you opted-out for for Courtesy Overdraft Protection for everyday debit card transactions, insufficient fund fees will not be charged for those debit card transactions.  However, any checks or other transactions that either posted to your account and took your balance negative or were returned due to insufficient funds may be subject to insufficient funds fees.

To opt-out for checks and all other transactions:

1. Sign in to Online Banking
2. Click on “Service Center”
3. In the Service Center, click on “Account Preferences”
4. Scroll down to Online Banking Services
5. Click on “Change courtesy overdraft options”
6. Follow the prompts

If you need to dispute a transaction on your BBVA Rewards Card or BBVA ClearPoints Credit Card, please call 1-800-239-5175. For all other transactions dispute types, please contact us at 1-844-228-2872.

To dispute an NSF charge involving your BBVA checking account, please contact Customer Service at 1-844-228-2872. Also consider adding overdraft protection to your account to protect yourself against future overdraft fees.