|Account Opening and Usage||
Full Terms & Conditions
|Minimum Opening Deposit||$25|
$15 per month
Service Charge will not apply in statement cycles when:
|Paper Statement Fee||
No additional charge
|Early Account Closing Fee||
|Dormant Account Fee||
$5 per month
|Excess Transaction Fee||
The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the daily collected balance in the account each day. For tiered rate accounts, the rate corresponding to your daily Collected Balance will be applied to your entire daily Collected Balance. Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest that is credited to the balance in the account on the first business day of the following statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. If you close your account or convert your account to a non-interest earning account before accrued interest, if any, is credited, you will not receive the accrued interest. A taxpayer identification number will be required to earn interest on these accounts.
Collected Balance is your account balance minus any funds you have deposited that have not been collected from the financial institution on which the deposited funds are drawn.
|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.|
|Fee to Use BBVA USA ATMs||
$0 for using BBVA USA ATM to complete any transaction.
|BBVA USA Fee to Use another Bank's ATMs||
|International Service Fee (ATM)||
1% of transaction amount
|International Service Fee (non-ATM)||
3% of transaction amount
International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement.
|Insufficient Funds Charge (NSF) - Paid Item||$38 per item*
*Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.
The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means.
|Insufficient Funds Charge (NSF) - Returned Item||$38 per item|
|Inter-Account Transfer Fee||
$12 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.
|Stop Payment Request (Branch/Phone)||$32 per request|
|Stop Payment Request (Online Banking)(checks only)||$25 per request|
|Deposit Item Returned||$15 per request|
|Deposit Item Returned (Foreign)||$25 per request|
|Personalized Debit Card Fee||$10 for each Personalized Debit card|
|Replacement Card Fee||$5 ($10 for personalized Debit Card)|
|Rush Replacement Card Fee||$50|
No additional charge (Online Banking is Required)
|Statement Upgrade Fee (Image Statement Fee)||
No additional charge
|Special Statement||$5 per statement cycle
A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts.
|Outgoing Repetitive (Customer)||$25|
|Cash Handling Fees:|
|Rolled Coin||$0.10 per roll|
|Strapped Currency||$0.20 per strap|
|Bank Bags (Zipper)||$5 per bag|
|Bank Bags (Locked)||$20 per bag|
|Temporary Checks||$1 each|
|Personal Checks||Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary.|
|Cashier's Checks||$10 each|
|Collection Items (all fees are per item):|
|International||$20 plus costs|
|Deposit Correction Fee||$2.50 per item|
|Deposits to Closed Accounts||$28.25 per deposit|
|Garnishments, Levies, Court Orders||$150 plus attorney fees|
|Reconcile Statement||$25 per hour|
|Research||$25 per hour|
|Copy of Fax||$3 per page|
|Staff-Assisted Call (over 5/month)||$1 per call over 5 in a month|
|Telephone Transfer Fee||$3 per transfer|
|Online Banking||No additional charge|
|Online and Mobile Bill Pay||No additional charge|
|Mobile Banking||No additional charge
Message and data rates may apply - check with your wireless provider.
Applicable Fees and Service Charges
Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA USA accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama.
For additional terms governing your account, please consult the Consumer Deposit Account Agreement.
NOTE: The above-noted fees and service charges are not set bank-wide. These prices are driven by the competition in your local market.
AS REQUIRED BY FEDERAL LAW, BBVA RESERVES THE RIGHT TO REQUIRE AT LEAST SEVEN (7) DAYS NOTICE PRIOR TO WITHDRAWAL OR TRANSFER OF FUNDS FROM THIS ACCOUNT.
We reserve the right to change terms, conditions, and/or pricing of our products upon reasonable prior notification.
BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.