Easy Checking Account

Account Disclosure - Texas

Review Account Disclosures for a different state:
Account Opening and Usage
Minimum Deposit Needed to Open Account $25  
Monthly Service Charge (Monthly Fee) $13.95  
Interest-Bearing No  
ATM Fees Charged by BBVA USA $0

For using an ATM in BBVA USA’s ATM network


For using an ATM outside of BBVA USA's ATM network.

Insufficient Funds (NSF) Charge - Returned Item $38 Per returned item presented against insufficient funds (see maximum penalty fee number below)
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 Per request made in a branch or by telephone to stop payment of an item
$25 Per request made online to stop payment on a check
Early Account Closing Fee $25 If account closed within 180 days of opening
Dormant Account Fee $5 Per statement cycle
Other Service Fees   Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee
Overdraft Options for Consumers with Debit Cards
Option A: (Default) No Overdraft Service  

If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you.

Option B: Linked Account Overdraft Sweep Service Inter-Account Transfer Fee (Overdraft Transfer Fee) $12

Per day in which an overdraft is covered by a transfer from a linked savings account.

Option C: Courtesy Overdraft Option* Insufficient Funds Charge - Paid Item Fee (Overdraft Penalty Fee) $38

Per overdraft item covered by the bank.

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.

Maximum Number of Overdraft Penalty and NSF Fees per Day 6

You will only be charged this number of overdraft penalty and NSF fees per day, even if we elect to cover additional overdrafts or return additional items.

Minimum Amount Required to Trigger an Overdraft Penalty Fee  

An overdraft item that causes the available balance on your account to be overdrawn by more than $1.00 will cause you to incur an overdraft penalty fee.

Extended Overdraft Service Charge (Extended Overdraft Penalty Fee) $23

Assessed when your account is overdrawn by more than $1.00 for seven consecutive calendar days. An additional $23 Extended Overdraft Service Charge will be assessed for every seven 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. You will not be assessed an Extended Overdraft Service Charge if the overdraft is solely attributable to ATM and everyday debit card transactions and you are opted out of our Courtesy Overdraft Option, meaning you do not want BBVA USA to authorize and pay overdrafts on these types of transactions. This Charge is in addition to any Insufficient Funds (NSF) fees you may incur as a result of items being presented against insufficient funds.

* An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions.

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, either party 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

Important Information about the $400 Account Opening Bonus

How to Qualify for the $400 Checking Bonus:

You must:

  • Be the primary BBVA account holder who received this promotional offer by email or direct mail
  • Open a new BBVA Premium Checking Account by April 10, 2021

    For accounts opened in branch, online or by calling 1-844-BBVA USA, eligible accounts include BBVA Premium Checking and BBVA Easy Checking. BBVA Premium Checking and Easy Checking only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.
  • You must receive a qualifying direct deposit of at least $2,500 by June 15, 2021.

    A qualifying direct deposit is a recurring paycheck, pension or government benefits (such as Social Security) from your employer or the government. The following deposits are not qualifying direct deposits: interest payments or transfers from your investment accounts; payments received from payment apps such as PayPal, Venmo and other similar payment service providers; tax refunds or other one-time economic stimulus payments such as financial assistance made available under the CARES Act or any other financial assistance made available in express response to the COVID-19 pandemic. If more than one Direct Deposit is received before June 15, 2021 at least one Direct Deposit must be in the amount of at least $2,500.
  • You must be a new BBVA consumer checking customer who has not had a BBVA consumer checking account open within the last 36 months or closed due to negative balance to be eligible for the bonus.
  • The promo code 0321PREM must be applied at account opening for accounts opened in branch and the promo code 0321OLPREM must be applied at account opening for accounts opened online.

Other Information:

Accounts must be open and in good standing with a balance greater than or equal to $0.00 at the time of payment in order to receive the new account bonus(es). We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening.

If qualifications are met, you will receive your bonus by August 15, 2021.
Only one bonus can be earned by each customer.
These bonuses are not combinable with other BBVA Direct Deposit cash bonus promotions, and you may not have received a Direct Deposit bonus in the past 36 months.
Offer subject to change at any time without notice. BBVA may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA to impose tax withholding of any sort will not be eligible for this bonus.

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