BBVA Savings

Account Disclosure - Colorado

Review Account Disclosures for a different state:
Account Opening and Usage
Minimum deposit needed to open account $25  
Quarterly Service Charge $15  
Ways to avoid quarterly Service Charge   (1) Daily Collected Balance of at least $500 in this account; or
(2) Have an automatic, recurring monthly transfer of at least $25 from a BBVA checking account to your savings account when the Service Charge would be assessed.
Does the account earn interest? Yes Interest is earned on the entire account balance. For additional interest rate and interest calculation information, see the account disclosures and Relationship Summary Form.
How often will statement be available? Quarterly  
Quarterly Paper Statement Fee $3 How to avoid the Paper Statement Fee?
(1) sign in to Online Banking; and
(2) turn off paper statements
After doing this you will receive your statements in Online Banking and will no longer receive a paper statement
Excess Transaction Fee $3

Charged for each withdrawal over 4 per statement cycle

Insufficient (NSF) Funds Charge- Paid Item $38 For each paid item presented against insufficient funds

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.
Insufficient (NSF) Funds Charge- Returned Item $38 For each returned item presented against insufficient funds
Deposit Item Returned Fee $15 For each item that you deposit that is rejected by the payor bank ($25 for foreign items)
Stop Payment Fee $32 For each request made by telephone or in-branch
Early Account Closing Fee $25 If account closed within 180 days of opening
Other Service Fees   Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee
Transaction Limits
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.
Processing Policies
Posting Order
The order in which withdrawals and deposits are processed

We process and post transactions - both credits (including deposits) and debits - throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity. 

Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit Hold Policy
This is a summary and generally applies when deposit amount is less than $5,525 -absent a deposit hold. See the Consumer Deposit Account Agreement, Funds Availability Disclosure, for a detailed description of our deposit hold policy.
  • Cash deposit with teller or at ATM - Same business day as the day of deposit
  • Direct Deposit/wire transfer - same business day as the day of deposit
  • Check deposit with teller or at ATM - same business day as the day of deposit
  • If something causes a longer hold on a deposit listed above, the first $225 of that deposit will generally be made available the same business day as the day of deposit
  • Mobile Deposit - Within 5 business days or less. Date displayed in mobile application.
A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs, business days end no earlier than 8:30 p.m.
Dispute Resolution
Dispute Resolution Agreement If a dispute arises between us, you or we may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.


Full Terms & Conditions

The following chart shows the annual percentage yield and interest rate effective as of December 4, 2020. Interest rates and the annual percentage yield are variable and at our discretion, we may change the interest rate for your account at any time. Rates may change prior to funding and any interest being earned. To obtain current rate information, call 1-844-BBVA USA or visit


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.


Rev. 3/2021