Everyday Heroes Banking 

Overview

Enjoy our benefits with Everyday Heroes Banking

Everyday Heroes Banking is our way of saying thanks to military personnel, law enforcement officers, firefighters, educators, and healthcare providers for your special contributions to our community.

BBVA offers products and services for all of your banking needs:

Benefits

Checking with no monthly Service Charge

Apply for a BBVA Free Checking1 account that gives you easy access to your money, unlimited check writing, plus Online Banking with Bill Pay, Mobile Banking, and a standard BBVA Visa® Debit Card.

BBVA Savings2

Make saving automatic with a minimum $25 recurring monthly transfer from your BBVA Checking account to your BBVA Savings and the $15.00 quarterly Service Charge will not apply.

Certificates of Deposit (CDs)3

Receive 0.10% (10 basis points) interest rate bump on new CD rates. Enjoy this CD rate bump on standard and promotional rates for CDs originated in branch or through telephone banking.

Mortgage options for you4

At BBVA, our resources can help you discover how to open the door to your dream home, when to refinance, how to use the equity in your home, and what the loan process is really like. Talk to a mortgage specialist today to learn more about the full range of mortgage products available for you.

Home equity products5

Everyday Heroes receive a 0.25% (25 basis points) rate discount off our standard rates on home equity products.

Discount on a BBVA Express Personal Loan

Enjoy a 0.25% interest rate discount on loan amounts from $2,000 - $35,000 (up to $100,000 when you apply in branch) and, the best part is, loan amounts up to $50,000 can potentially receive credit notification and funding the same day. Only your signature is needed as collateral. It’s that easy.6

Credit Card 

Get 5,000 bonus BBVA Points when you are approved for and open a new BBVA Rewards Card or BBVA ClearPoints Credit Card within 60 days of opening a new Everyday Hero coded consumer checking account and make $500 in Qualifying Purchases within 30 days after opening the credit card.7

Details you need to make a smart decision 

All credit cards are subject to approval, including credit approval.

BBVA Free Checking: BBVA Free Checking: All checking accounts and Debit Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. Products, features and benefits offered with accounts are subject to change at any time. Please refer to the Terms & Conditions for this product for additional details. Standard Debit Card: One per accountholder at no additional charge. $10 per each additional card.

BBVA Savings Accounts:  All savings accounts are subject to approval. $25 minimum opening deposit required. Please refer to the Terms & Conditions  for additional details. Additional terms and miscellaneous fees may apply. Products, features and benefits offered with accounts are subject to change at any time. No Service Charge if, at the time the Service Charge would be assessed, you have an automatic, recurring monthly transfer of $25 or more from your BBVA consumer checking account to your BBVA Savings account. Otherwise there is a $500 minimum daily collected balance to avoid the Service Charge of $15 per quarter. 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. 

Certificates of Deposit (CDs): Eligible Everyday Hero Banking customers must have a BBVA checking account with a positive balance to be eligible for ten basis point CD rate bump offer. Must have a consumer checking account with an Everyday Hero Occupation code. Must originate CD at a BBVA branch or through telephone banking to have 10 basis point rate bump applied to new CD.

Mortgage products: All loans are subject to program eligibility, underwriting, and collateral requirements and approval, including credit approval. Property insurance required, including flood insurance where applicable. Certain property types are not eligible collateral. Available only to California, Texas, New Mexico, Arizona, Colorado, Alabama and Florida residents.

Everyday Hero Home Equity Discounts: Offer and rate discounts subject to change without notice. All loans and lines of credit subject to program eligibility, underwriting, collateral requirements, and approval, including credit approval. Must have a consumer checking account with an Everyday Hero Occupation code. Home Equity rate discounts can be combined with the auto debit discount. However it cannot be combined with any other promotional rate discount, Branch Empowerment Tool or Professional Program discounts. Account offerings subject to change. Deposit accounts require a $25 minimum opening deposit. Miscellaneous fees may apply. Floor rate applies to home equity lines of credit.

Express Personal Loan: Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR (with no interest rate discounts) will vary between 5.99% and 29.99% based upon creditworthiness, loan amounts, and term length. Only the most creditworthy applicants will qualify for the lowest APRs and/or the highest loan amounts. Enrollment in the Everyday Heroes Banking Program at the time the loan is closed is required to receive the 0.25% interest rate discount. In order to be eligible, you must have an Everyday Hero coded consumer checking account. Enrollment in auto-debit loan payments from a BBVA checking account is required to receive an additional 1.00% interest rate discount and the BBVA Checking Account must be opened prior to the loan being closed. Loan term, loan amounts and APRs may vary if originated in branch. 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. 

Credit Card: Credit cards subject to approval, including credit approval. To receive the 5,000 bonus rewards points, customer must: (1) open a BBVA Everyday Hero coded consumer checking account; (2) within 60 days of opening the checking account, be approved for and open a BBVA Rewards Card or BBVA ClearPoints Credit Card; and (3) make $500 in net Qualifying Purchases using the credit card within 30 days of opening the credit card. Bonus points will be credited within 60 days of meeting requirements; account must be open and in good standing to receive bonus points. 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. Qualifying Purchases do not include 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), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN. The Everyday Hero offer cannot be combined with any Workplace Solutions or Professional Program discounts, but may be combined with any other in-branch offers. Promotional offers subject to change without notice.

NMLS ID: 402936

Equal Housing Lender