|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||
No additional charge.
As a BBVA USA Free Checking account holder, you can customize your account by adding Custom Features based on your personal financial needs. Each Custom Feature is available for an additional fee per Custom Feature per statement cycle. The Custom Features terms and applicable fees are listed below.
|ATM Transactions1||No BBVA USA fee for using another bank's ATM and up to four automatic rebates of ATM fees charged by other banks - maximum of four rebates per statement cycle.||
$5 per statement cycle
|Check Supply1||Unlimited Supply of Standard Checks and 50% off other styles of your choice.||
$2 per statement cycle
Unlimited Cashier's Checks.
$2 per statement cycle
|Safe Deposit Box2||
3 X 5 Safe Deposit Box.
$3 per statement cycle
1ATM Transactions, Check Supply and Cashier’s Checks: These features can be selected and de-selected at a BBVA USA Banking Center or by calling 1-844-BBVAUSA. Selections are effective immediately. Feature cannot be de-selected for minimum of six (6) months from date of selection (for example, if a Custom Feature is selected on January 15, 2019, it can not be de-selected until July 15, 2019). The applicable Custom Feature fee will be assessed beginning with the first statement cycle that the feature is selected and ending when the feature is de-selected.
2Safe Deposit Box: Subject to availability. The Safe Deposit Box Custom Feature may be selected and de-selected only at the BBVA USA Banking Center where the Safe Deposit Box is located. The Safe Deposit Box Fee associated with the Safe Deposit Box must be auto debited from the BBVA Free Checking account. If the BBVA Free Checking account is closed, or if the Safe Deposit Box Fee is no longer auto debited from the BBVA Free Checking account, the rate associated with the Custom Feature will no longer be applicable for the Safe Deposit Box. Safe Deposit Box must either be closed or a new Safe Deposit Box lease agreement must be entered into at the BBVA USA Banking Center where the Safe Deposit Box is located.
|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 Debit Card initiated in person, online, or via telephone with a party located or who processes transactions outside of the United States, even if the transactions are initiated within the United States and/or in US dollars. A full description of the currency conversion process is contained in your ATM/Debit Card Agreement.
|Insufficient Funds Charge (NSF) - Paid Item||
$32 per item*
|Insufficient Funds Charge (NSF) - Returned Item||$32 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.
|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||
$7 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.
|Overdraft Protection Fee||
$7 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)||$30 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|
|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||$0.10 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||$40 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.
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
Details for the $200 Checking Bonus:
$200 Bonus by opening a new qualifying checking account between April 12 - 26 and set up and receive at least one (1) qualifying Direct Deposit of at least $500 by June 30, 2021. If more than one Direct Deposit is received before June 30, 2021, at least one Direct Deposit must be in the amount of at least $500. For accounts opened online, eligible accounts include BBVA Free Checking and BBVA Easy Checking. BBVA Free Checking and Easy Checking are only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.
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.
When applying for this special offer in branch, you must use the promo code SB2021. When opening accounts online, you must enter promo code SBOL2021 to be eligible.
A Direct Deposit is a recurring paycheck, pension or benefit (such as Social Security) from your employer or the government. If more than one Direct Deposit is received before June 30, 2021, at least one Direct Deposit must be in the amount of at least $500. 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 one-time economic stimulus payments such as 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 36 months or closed due to negative balance to be eligible for the bonus.
Details for the additional $50 Savings Bonus:
You must meet stipulations for the $200 Checking Bonus to be eligible for the $50 Savings Bonus.
$50 Bonus by opening a new qualifying savings account between April 12 - 26 and have a balance of at least $1,000 or more on June 30, 2021.
For accounts opened online, the eligible account is BBVA Savings. BBVA Savings is only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.
For accounts opened in branch or by calling 1-844-BBVA USA, eligible accounts include BBVA Savings, Build My Savings, and Young Savers.
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 36 months or closed due to negative balance.
Checking and Savings accounts are subject to approval which may include credit approval. $25 minimum opening deposit required.
Accounts must be open 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.
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 36 months.
If qualifications are met, you will receive your bonus by August 31, 2021.
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.
2021 BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.
Rev. 04/2021 / #1000325