|Account Opening and Usage||
|Overdraft Options for Consumers with Debit Cards||
Full Terms & Conditions
|Minimum Opening Deposit||$25|
|Monthly Service Charge||$13.95|
|Paper Statement Fee||
$3 per statement cycle.
The Paper Statement Fee will be assessed in the following statement cycle. For example, the Paper Statement Fee for the January statement will be assessed in February and will appear on the February statement.
|How to Avoid the Paper Statement Fee||
You can avoid the Paper Statement Fee by turning off your paper statements and receiving your account statements electronically through Online Banking.
|Dormant Account Fee||
$5 per statement cycle.
|Early Account Closing Fee||
$25 per statement cycle.
The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening.
Once an account has been open for 12 months, and upon request by an account holder, a BBVA Easy Checking account can be upgraded to another BBVA consumer checking account if the following requirements are satisfied at the time of the upgrade request: (1) the BBVA Easy Checking account is in active status; and (2) the BBVA Easy Checking account has a positive balance. Upgrade requests can be done at a BBVA banking branch or by calling 1-844-BBVAUSA.
|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|
|Extended Overdraft Service Charge||
$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.
|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 item|
|Deposit Item Returned (Foreign)||$25 per item|
|Personalized Debit Card Fee||$10 for each Personalized Debit Card|
|Replacement Card Fee||$5 ($10 for personalized Debit Card)|
|Rush Replacement Card Fee||$50|
|Statement Upgrade Fee (Image Statement Fee)||
$5 per statement cycle
|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||$0.10per roll|
|Strapped Currency||$0.20 per strap|
|Bank Bags (Zipper)||$5 per bag|
|Bank Bags (Locked)||$20 per bag|
|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.
Important Information about the $250 Bonus
How to qualify for the $200 Checking Bonus: Qualifying Consumer Checking Account must be opened between November 9 – November 27, 2020. For accounts opened online, eligible accounts include BBVA Online Checking and BBVA Easy Checking. For accounts opened in branch or by calling 1-844-BBVA USA, eligible accounts include BBVA Premium Checking, BBVA Convenience Checking (only available in Florida and California), BBVA Free Checking, and BBVA Easy Checking. Easy Checking only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.
You must receive a qualifying direct deposit of $500 or more by January 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.
You must be a new BBVA consumer checking customer who has not had a BBVA consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus.
The promo code MB2020 must be applied at account opening for accounts opened in branch. For accounts opened online, the promo code MBOL2020 must be used.
How to qualify for the additional $50 Savings Bonus: You must meet stipulations for the $200 Checking Bonus to be eligible for the $50 Savings Bonus. Qualifying Consumer Savings Account must be opened between November 9 – November 27, 2020. For accounts opened online, the eligible account is BBVA Online Savings.
For accounts opened in branch or by calling 1-844-BBVA USA, eligible accounts include BBVA Savings, Build My Savings, and Young Savers.
The Savings Account must have a balance of at least $1,000 on December 31, 2020. The BBVA savings account holder must be an account holder on the new BBVA consumer checking account. You must be a new BBVA savings customer who has not had a BBVA consumer savings account in the past 12 months or closed due to negative balance.
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 March 31, 2021. BBVA Employees are eligible for each bonus. Workplace Solutions / BBVA For Your Cause clients are eligible for this offer. Only one bonus can be earned by each customer.
These bonuses are not combinable with other BBVA Direct Deposit or Savings Account cash bonus promotions, and you may not have received a Direct Deposit or Savings Account bonus in the past 24 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.
BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.
Rev. 10/2020 / #936089