|Account Opening and Usage||
|Overdraft Options for Consumers with Debit Cards||
Full Terms & Conditions
|Minimum Opening Deposit||$25|
|Monthly Service Charge||$0|
|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.
|Early Account Closing Fee||
The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening.
|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||$3 per transaction+|
+ATM and/or service fees charged by other banks and ATM owners still may also apply
|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.
|Overdraft Protection Fee||
$12 per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, including credit approval)
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.
|Stop Payment Request (Branch/Phone)||$32 per item|
|Stop Payment Request (Online Banking)(checks only)||$25 per item|
|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|
$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||$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 charge|
|Online and Mobile Bill Pay||No charge|
|Mobile Banking||No 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.