|Account Opening and Usage||
|Overdraft Options for Consumers with Debit Cards||
Full Terms & Conditions
|Minimum Opening Deposit||$25|
|Monthly Service Charge||$19|
|The monthly Service Charge will not apply for statement cycles when one or more of the following requirements are met:
*Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. 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.
|Paper Statement Fee||
No additional charge.
|Early Account Closing Fee||
The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening.
|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.|
The following chart shows the annual percentage yield and interest rate effective as of October 1, 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-BBVAUSA or visit www.bbvausa.com.
|Daily Collected Balance||Interest Rate||Annual Percentage Yield|
|$0 to $9,999.99||0.010%||0.01%|
|$10,000 to $19,999.99||0.010%||0.01%|
|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 for using an ATM outside of BBVA USA's ATM network.+
No BBVA USA charge for 2 transactions per statement cycle. PLUS, 2 automatic rebates of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle.
+Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® or 7-Eleven® networks. ATM fees may apply to certain 7-Eleven locations in Oklahoma, Hawaii, and Alaska. All 7-Eleven ATMs with an FCTI contact sticker on the ATM are fee-free.
|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 Charge (NSF) - Returned 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.
|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||
No Charge BBVA USA
|Overdraft Protection Fee||
$0 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||1 personalized Debit Card per accountholder at no additional charge; $10 for each additional personalized Debit Card|
|Replacement Card Fee||$5 ($10 for Personalized Debit Card)|
|Rush Replacement Card Fee||$50|
|Statement Upgrade Fee (Image Statement Fee)||No additional charge|
|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|
|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 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.
Complimentary BBVA Money Market
Upon request, the primary accountholder of a Premium Checking account will receive a waiver of the monthly Service Charge for one BBVA Money Market account. Primary accountholder of the Premium Checking account also must be an accountholder on the BBVA Money Market account in order to receive the waiver.
Important Information about the $400 Account Opening Bonus
How to Qualify for the $400 Checking Bonus:
- 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.
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.