Second Chance Banking
Can you open a new bank account with bad credit?
We believe in second chances
Sometimes what you need is a fresh start. Second chance banking services give you the opportunity to recover from past financial mistakes and rebuild your credit.
We are here to help you get back on your feet. BBVA is proud to be one of select major banks that offers a full suite of Second Chance Banking products. Access to the right banking services and money management tools are your key to change. Here’s to building a better financial future.
products
BBVA Free Checking
No monthly Service Charge
A free checking account with complimentary Online and Mobile Banking tools that make it easy to manage your money 24/7. This is our go-to account and the most popular choice.
Easy Checking
An account for when you need a second chance
We want to help you build a brighter future. With Easy Checking, you can start over. You will enjoy Online and Mobile Banking, easy access to your funds, free customizable account alerts that notify you when your balance is running low, and a low $13.95 monthly Service Charge. 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.
BBVA ClearSpend Card
Budget better with a prepaid debit card
Enjoy the convenience of a debit card and avoid the worry and expense of overspending because it’s prepaid. Our ClearSpend prepaid debit card is just another way we have your back on your way back to financial health.
BBVA Optimizer Credit Card
Getting approved is easy
Get the convenience and flexibility of a credit card while building or rebuilding your credit. With the Optimizer Credit Card, your credit line is backed by a collateral savings account and can be increased anytime with a simple deposit.
BBVA Savings
Get back on track with your finances
If you need a simple way to start saving - whether it’s for a short or long term need, this savings account is the clear choice. An easy to manage savings account designed for everyday banking.
Financial articles to rebuild past credit history
With a BBVA account, you'll enjoy:
Details you need to make a smart decision
Checking Accounts: All checking accounts are subject to approval, which may include credit approval. $25 minimum opening deposit required. Additional terms may apply. Refer to your account disclosure for details. Products, features, and benefits offered with accounts are subject to change at any time. Miscellaneous fees may apply to all accounts.
Text Message Alerts: Message and data rates may apply. Please check with your wireless carrier about such fees.
BBVA Savings: Savings accounts subject to approval. $25 minimum opening deposit required. Additional terms may apply. Refer to your account disclosure for details. Products, features, and benefits offered with accounts are subject to change at any time. Miscellaneous fees may apply to all accounts.
BBVA Optimizer Credit Card: All credit cards are subject to approval, including credit approval.
All BBVA ClearSpend accounts subject to approval.