BBVA Money Market

$15 per month

Service Charge will not apply in statement cycles when:

1. You maintain a minimum daily Collected Balance of $10,000 or more in your BBVA Money Market account; OR
2. You have an automatic, recurring monthly transfer of $25 or more from a BBVA checking account to your BBVA Money Market account in effect at the time the service charge would be assessed.

Monthly

No additional charge

$25
The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening.

$10
Excess Transaction Fee charged for each withdrawal transaction in excess of 6 per statement cycle

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.

The following rate chart (Promotional Period Rate Chart) shows the  annual percentage yield and interest rate available to money market accounts opened online effective as of January 28, 2021, if the following requirements are met: 1) accountholder does not have an existing BBVA money market account and has not had one in the last 30 days; and 2) the new BBVA Money Market account is opened with funds not currently on deposit with BBVA.

The promotional rate is guaranteed for 3 months from the account opening date. After that time the rate will become variable and is subject to change at any time at the discretion of BBVA. APY calculation combines fixed promotional rate for the guaranteed period with the current Relationship Base Rates in effect at the time of account opening for the remainder of the twelve month period. Since Relationship Rates are subject to change at any time without notice, the calculation assumes today’s rates will remain in effect for this period. Fees may reduce earnings on account. Limitations may apply. After the promotional period, your total BBVA relationship will be evaluated and you have the chance to earn higher rates through Relationship Pricing. After the promotional period, please call your banker, visit a branch or call 1-844-BBVA USA to obtain current rate information. Wealth customers should contact their private banker directly.

Your relationship with BBVA will be reviewed at the end of each calendar month for the application of Relationship Pricing. At that time, the interest rate and APY applied to your account will be determined based on the Relationship Base Rate Chart, the Total Deposit Balance Rate Component chart and the Additional Relationship Rate Component chart (your “Relationship Rate”). Your Relationship Rate will be determined by adding the applicable Relationship Base Rate and the Rate Components together. Please see Additional Details about Relationship Pricing disclosure below for more information. Each Annual Percentage Yield (APY) in the charts below is current as of January 28, 2021. APY and interest rates are variable and subject to change at any time at our discretion. We may change any Rate Component at any time, which means your interest rate and APY may change.

Your Total Deposit Balance is determined by adding the Posted Balance in your consumer checking, consumer savings, consumer money market and CD accounts with the Bank at the time of relationship review. Accounts and relationships will be reviewed at the end of each month. See Relationship Review disclosure below. For money market accounts with multiple account holders, please note Joint Account disclosure below.

Relationships eligible for the Additional Relationship Rate Component include:

• Checking Account Component: If you have a BBVA checking account with a minimum end of month Posted Balance of $10,000.00.

• Direct Deposit Component: If you have three or more Qualifying Direct Deposits totaling at least $15,000 in the last three months (each direct deposit must be at least $1,000). Direct Deposit may be to BBVA Consumer Checking, Consumer Savings or Consumer Money Market Account. Please see Qualifying Direct Deposit disclosure below.

• Qualifying Consumer Lending Component: If you have one or more active Consumer loans or Consumer lines of credit with a total end of month outstanding balance of at least $10,000.00. Not all loans qualify; please see Qualifying Loans disclosure below. Accounts and relationships will be reviewed at the end of each month. See Relationship Review disclosure below. For money market accounts with multiple account holders, please note Joint Account disclosure below.

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.

$0 for using BBVA USA ATM to complete any transaction.

$3^+
+ATM and/or service fees charged by other banks and ATM owners still may also apply.

1% of transaction amount

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 (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.

$12 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.

No additional charge (Online Banking is Required)

No additional charge

A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts.

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