Free Checking Image

Free Checking

Enjoy no monthly Service Charge.

Features:

  • Free Online Banking, Mobile Banking, and Bill Pay
  • Free unlimited check writing
  • One free personalized BBVA Visa® Debit Card per account

Fees & Minimums:

  • Monthly Service Charge: $0
  • Minimum Opening Deposit: $25
  • ATM fees at BBVA USA ATMs: None

BBVA Premium Checking Image

BBVA Premium Checking

Earn interest on your checking account balance. 

Features:

  • Interest on your checking account balance
  • One free personalized BBVA Visa® Debit Card per account
  • Automatic rebates on ATM fees charged by other banks (two per statement cycle)
  • Free Online Banking, Mobile Banking, and Bill Pay
  • Free unlimited check writing

Fees & Minimums


Easy Checking Image

BBVA Online Checking

An online-only account. Access your account wherever, whenever with digital features built for life on the go. Application only available online.

Features:

  • Online Banking, Mobile Banking, and Bill Pay
  • One free personalized BBVA Visa® Debit Card per account
  • Free unlimited check writing

Fees & Minimums

  • Monthly Service Charge: $0
  • Minimum Opening Deposit: $25
  • Paper Statement Fee: $3
  • ATM fees at BBVA USA ATMs: None

No matter which checking account you choose, you'll enjoy:

FAQs

Frequently asked questions

How do I find an ATM when I need cash?

Easily find a branch or ATM near you with our location finder

If I don't live near a branch will I still get personal service?

By opening an account online, you will get complimentary service from our team of remote bankers via phone, email, text or video conference. Living near a branch is no longer necessary.

Can I use a mobile phone for banking?

Our powerful Mobile Banking App helps you take control of your finances no matter where you go. Pay bills, check balances, transfer money, sign up for alerts to keep an eye on your money—
all from the convenience of a simple-to-use, award-winning Mobile Banking App. 

How do I order checks?

Use our convenient online option. You may also send checks directly from Online and Mobile Banking using Bill Pay without buying paper checks.

How do I request and activate my Debit Card?

 You will receive a debit card for each account holder when you open a BBVA checking account. If your card is lost, stolen, or damaged, a replacement card can be ordered in a branch or by calling 1-844-BBVA USA.

To activate your debit card, we offer four simple options:

  • Call 1-866-676-1895 to activate your card through our automated system
  • Use your card at any BBVA USA ATM with your PIN
  • Make a purchase at any retail location using your PIN
Does BBVA offer a free checking account?

Yes. BBVA Free Checking keeps you in control of your money. 

How do I open a checking account?

Switching to BBVA is easy. Open a checking account online, then download the Employee Switch Kit to get started.

Details you need to make a smart decision

Checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Please refer to the Terms & Conditions for each product or service for additional details. Additional terms and miscellaneous fees may apply.   Products, features, and benefits offered with accounts are subject to change at any time.

 

1Workplace Solutions / BBVA For Your Cause℠ Offer September 1, 2019 - December 31, 2019: Eligible BBVA consumer checking accounts opened between September 1, 2019 - December 31, 2019 and coded with a valid Workplace Solutions or BBVA For Your Cause code may be eligible to receive a cash bonus.  Please review the following information to understand how to qualify for the bonus.

HOW TO QUALIFY FOR THE $100 CHECKING BONUS (“CHECKING BONUS”):

  • You must be a new BBVA consumer checking customer who has not had a BBVA consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus.
  • The checking account must be coded with a Workplace Solutions or BBVA For Your Cause code at account opening. The banker is responsible for adding the valid Workplace Solutions or BBVA For Your Cause code at account opening. For accounts opened online, the applicant must provide a valid Workplace Solutions or BBVA For Your Cause code at account opening. BBVA Employees, please utilize Workplace Solutions Code 136279 for this offer.
  • Eligible accounts include BBVA Premium Checking, BBVA Convenience Checking (product only available in California and Florida), BBVA Free Checking, BBVA Easy Checking, and BBVA Online Checking (BBVA Online Checking available online only).
  • Within sixty (60) days of account opening, at least one electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government in the amount of at least $500 must post to the new checking account. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as PayPal, Venmo and other similar payment service providers.
  • After the 60 day time period to establish a qualifying direct deposit, the $100 cash bonus will be deposited into the new checking account within 90 days. A total of 150 days after checking account opening may ensue before payment is made.
  • Account 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.

If you earn the $100 Checking Bonus, you could also earn an additional $50 bonus with one of the following credit products: 

HOW TO QUALIFY FOR THE $50 BBVA EXPRESS PERSONAL LOAN BONUS (“EPL BONUS”):
  • You must not have a current BBVA Express Personal Loan or BBVA Express Personal Loan that has been paid off in the past 90 days.
  • Within 60 days of opening a new BBVA consumer checking account, you must be approved for and close a BBVA Express Personal Loan.
  • The BBVA Express Personal Loan customer must be an account holder on the new BBVA consumer checking account to qualify for the BBVA Express Personal Loan bonus.
  • This offer is not available for BBVA Express Personal Loan accounts opened online. Please visit a branch or give us a call to apply.
  • Checking accounts can be opened online and qualify for this promotion.
  • The $50 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above.

BBVA Express Personal Loan: Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered annual percentage rate (“APR”) (with no interest rate discounts) will vary between 5.99% - 29.99% based upon creditworthiness, loan amounts, and term length. Only the most creditworthy applicants will qualify for the lowest rates. Enrollment in auto-debit loan payments from a BBVA checking account is required to receive a 1.00% interest rate discount and the BBVA Checking Account must be opened prior to the loan being closed. Enrollment in the Workplace Solutions Program at the time the loan is finalized is required to receive an additional 0.25% interest rate discount. 
Note: An unsecured term loan may not be originated for any applicant who has originated or been declined for an unsecured term loan with BBVA within six (6) months of the date of the new application or who currently has two or more active unsecured term loans with BBVA.

OR

HOW TO QUALIFY FOR THE $50 BBVA CREDIT CARD ("CREDIT CARD BONUS"):
  • Within 60 days of opening a new BBVA consumer checking account required for the Checking Bonus, you also : (1) are approved for and open a BBVA Rewards Card or BBVA ClearPoints Credit Card; and (2) make a Qualifying Purchase using the new credit card within 60 days of opening the new consumer checking account.
  • The BBVA Rewards Card and BBVA ClearPoints Credit Card customer must be an account holder on the BBVA Consumer Checking Account to qualify for the BBVA Credit Card bonus.
  • The $50 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirement described above.

BBVA Credit Cards: All credit cards subject to approval, including credit approval. Please see credit card terms and conditions for additional details. A “Qualifying Purchase” is any purchase made with your BBVA Visa Credit Card that is processed or submitted through the Visa U.S.A. Inc. payment system. Payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents of payment instruments that can readily be converted to cash (for example, travelers’ cheques, money orders, wire transfers, and similar products or services) and purchases made using a Personal Identification Number (PIN) or initiated initiated through identification technology that substitutes for a PIN. are not Qualifying Purchases. BBVA reserves the right to, in its sole discretion, determine whether a particular transaction is a Qualifying Purchase. BBVA Credit Cards may not be available to residents in all states.

In order to be eligible to receive the Express Personal Loan Bonus or Credit Card Bonus, you must first meet the qualification requirements to receive the Checking Bonus. The additional Express Personal Loan Bonus or Credit Card Bonus will not be awarded unless you meet the qualification requirements for both the Checking Bonus and either the Express Personal Loan Bonus or the Credit Card Bonus. Customer is eligible to earn either an Express Personal Loan Bonus or a Credit Card bonus. A customer cannot earn a bonus on both products. Cash bonuses cannot be combined with other cash bonus offers.

OTHER INFORMATION:
  • Checking accounts are subject to approval which may include credit approval.
  • $25 minimum opening deposit required for new consumer checking accounts. Please refer to Terms & Conditions (account disclosure) for additional details. Additional terms and miscellaneous fees may apply. Products, features and benefits offered with accounts are subject to change at any time.
  • There is a maximum of one Checking Bonus, and one EPL OR Credit Card Bonus.  A customer cannot earn a bonus on both credit products. Maximum bonus amount equals $150.
  • BBVA Employees are eligible for each bonus.
  • These bonuses are not combinable with other BBVA cash bonus promotions. And you may not have received a bonus for a qualifying direct deposit in the past 12 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.
  • We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening.

Rev. 08/2019 / #663854

© 2019 BBVA USA Bancshares, Inc. BBVA USA is a Member FDIC and an Equal Housing Lender.  BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group.