BBVA Build My Savings


Get rewarded for sticking to your savings goals

Discover the advantages of a goal-based savings account.

We all have goals that we want to save for—a vacation, a down payment, or even a rainy day fund. But sometimes, we just need a little help getting there. With a Build My Savings Account, you can build an account that makes savings easy and rewards you for sticking to your plan.


Savings account features

Apply for a BBVA Build My Savings Account today, and enjoy the benefits of a savings account that rewards you for meeting your goals. 

Pay no quarterly Service Charge. 

Earn interest on your savings account balance.

Receive a Match bonus when you successfully complete your savings plan. 

Open a savings account online with a $25 minimum opening deposit. 

When your 6 or 12-month plan period ends, this account will convert to a BBVA Savings Account, which charges a $15 quarterly Service Charge that can be waived if certain requirements are met. 

How It Works

Ready to build your account? Let's get started.

Build Your Savings Account*

Take the following steps when opening your savings account to boost your bonus earning potential:

  1. Deposit at least $25 for your opening balance.
  2. Set up a recurring automatic transfer from your BBVA consumer checking account to your Build My Savings Account of at least $25 per transfer.
  3. Choose a 6 or 12-month plan.

Earn a Match Bonus on your transfers**

Stick to your plan and we’ll match 1% of your total transfer amount—with a maximum of $50 for a 12-month savings plan and $25 for a 6-month savings plan.

Your Build My Savings Match Bonus amount is based on opening balance, transfer amount, and savings plan term. Use the interactive savings calculator below to figure out how much you could earn.

How much will your Match Bonus be?

Utilize our savings account calculator to see how your opening balance and automatic transfers will impact your potential Match Bonus of $50 for a 12-month plan or $25 for a 6-month plan. The more you deposit and transfer to your account, the greater your opportunity to earn!

Opening Balance
Transfer Amount
Transfer Frequency
Match Bonus
Ready to switch to BBVA?

Want to move your funds to BBVA, but don’t know where to start? Here’s a simple checklist to help you make the switch today.

Download the Consumer Switch Kit (PDF)


Savings account interest rate

A Match Bonus isn’t the only way you could earn you more. You’ll also grow your money by keeping it in an interest-earning savings account.

Daily Collected Balance APY+ Interest Rate

All balances



Rate is current as of October 1, 2020 and subject to change.

+Annual Percentage Yield. Fees could reduce the earnings on the account. See important terms and conditions for Build My Savings.


Savings account fees

Paper Statement Fee: $3 per quarter1

Opt for free electronic account statements and eliminate the $3 quarterly paper statement fee when you turn off paper statements through Online Banking.

Withdrawal Service Charge: $10 per withdrawal

You will be charged a Withdrawal Service Charge of $10 for each customer-initiated withdrawal.

Printable Summary

View a printable, detailed summary of account terms and fees with the BBVA Build My Savings Account:

View Pricing, Requirements, and Terms

With a BBVA Build My Savings Account, you’ll enjoy:

Details you need to make a smart decision

*All Accounts are subject to approval, which may include credit approval. You must also have a BBVA consumer checking account for the origination of transfers. $25 minimum opening deposit required for checking and savings accounts. Savings Plan must include an automatic, recurring, preauthorized transfer of at least $25 per transfer. At the end of the savings plan term, your account will convert to a BBVA Savings Account. Please refer to the terms and conditions for additional details. Additional terms and miscellaneous fees may apply. Products, features, and benefits offered are subject to change at any time.

**Match Bonus limited to a maximum of $50 for the 12 month plan, or $25 for the 6 month plan. Match Bonus may be subject to IRS tax reporting.

Withdrawal transactions from savings and money market accounts are governed by federal law and, if transaction limitations are exceeded, the account could be reclassified as non-interest bearing. Federal law limits transfers to another deposit account with BBVA or to a third party by means of a preauthorized agreement, telephonic request, check, debit card, draft or similar order (including Online Banking transfers and sweep transfers from a savings or money market account) to a total of six (6) per month. There is no limit on the number of withdrawals from such accounts when made in person at a BBVA banking office or at an automated teller machine. Withdrawal transactions are subject to Excess Transaction Fees.

1Paper Statements: You will receive a paper account statement by mail. There is a Paper Statement Fee of $3.00 per statement cycle; however, you can choose to turn off Paper Statements and receive your account statements electronically through Online Banking at no additional charge. Visit our turn off paper statements page for more information.