Opportunity Banking


Welcome to Opportunity Banking

Whether you're just starting out in life, starting up new in this country, or starting over after hard times, there are three things you need from your bank: simplicity, affordability, and safety. At BBVA, that's exactly what you get. We have the financial tools to help you get started, or re-started, and build a brighter future.


BBVA Free Checking

The best things in life are free

You shouldn't have to pay to access your own money. That's why BBVA offers BBVA Free Checking. It’s not only free, it also comes complete with Online Banking, Mobile Banking, access to account alerts, and a Visa® Debit Card to help you manage your money.

BBVA Easy Checking

Get a brighter future – and back on your feet – with a new checking account

Financial troubles happen to the best of us. Let us help you get back on track. With Easy Checking, you get online access to your account, free customizable account alerts that notify you when your balance is running low, and access to your funds with a Visa® Debit Card. Best of all, you may request to upgrade to Free Checking after a year of positive activity on your Easy Checking account if your account is active and has a positive balance at the time of your request. 

We are ranked #1 for our Second Chance Banking.

BBVA Savings

Starting your emergency fund is as easy as 1, 2 …$25

That's right. With just a $25 opening deposit, you can apply for your very own BBVA Savings account. Your $25 and anything else you invest will start earning interest for you immediately. It's simple and safe. Start building your brighter future today.

BBVA Optimizer Credit Card

Yes, you may be able to get a credit card

Have you been turned down for a credit card in the past? Then the Optimizer Credit Card may be the perfect solution for you. It's backed by your savings account, and works just like a standard credit card. And your credit limit does, too. The rates are competitive and it's accepted everywhere Visa® is accepted.

HOME Mortgage

With Opportunity Banking, you're closer to home ownership than you know

Did you know you don't need perfect credit or a 20% down payment to get a home loan? BBVA has a range of solutions to help you move from renter to owner–even if you have a complex or unique mortgage need–including a first-time buyer program, low- or zero-down payment loans, and loans that minimize the impact of closing costs. To learn which loan is best for you and about special pricing and offers, call one of our mortgage specialists today at 1-844-BBVA USA.

With a BBVA account, you'll enjoy:


Frequently asked questions


What are the benefits of owning a checking account?

The primary benefit of having a checking account is safety. By letting BBVA hold your funds, you won't have to worry about carrying around cash at the risk of theft or simply misplacing it.

Even better, you'll still have 24/7 access to your money through our ATM locations. You'll also be able to keep track of your spending and balances on the go using our award-winning mobile banking app.

I have been declined a checking account in the past due to credit issues or derogatory marks on my record. What options do I have to avoid keeping my paycheck in cash?

At BBVA, we believe in second chances, which is why we offer flexible alternatives to keep your money safe even if you've had financial missteps in the past.

If you're looking for a checking account, you may qualify for our BBVA Easy Checking account through our online application. We will first verify that you don't qualify for our BBVA Free Checking account before offering you BBVA Easy Checking. You may also apply for a checking account in branch.

My income fluctuates every month, which makes it difficult to budget and prepare for unexpected expenses. Where can I go to learn more about setting up a budget?

Check out the MoneyFit article which contains recommendations on budget amounts based on goals as well as tips to cut expenses to reach your goals!

I have never owned a credit card, but know that it is important to have a good credit score to be able to make important purchases, like a home or car. How can I build credit or improve my credit score?

Check out the MoneyFit article which contains resources to pull your credit report and tips for boosting your score.

I am looking to buy my first home, but don't know where to start. What are some steps I should take to prepare for the home-buying process?

Check out the MoneyFit article which breaks down each step of the home-buying process for first-time homebuyers.