BBVA Free Checking Account

BBVA Free Checking account gives you the chance to take control of your money with a Mobile Banking app, Online Banking, customizable alerts, Bill Pay, and more.

BBVA Fee Checking Account with full-service features. BBVA Free Checking comes with no monthly service charge, no ATM fees when using BBVA USA  ATMs, plus a Visa® Debit Card, Online Banking and Mobile Banking all free. When you open this account, you also get free unlimited check writing and free paper statements. Pay no monthly fee or Service Charge for checking. Compare that to paying up to $144 a year for comparable accounts at other banks.

$0
Monthly Fee
0.00%
APY
$25
Minimum Deposit to Open
  • Features
  • Deposit methods
$0
0.00%
$0
1,000 fee-free ATMs across the country
$3
For $5 a month, you can get up to four ATM fee rebates
3%
$32
$38

BBVA Free Checking Account with full-service features

It is a monthly service fee free account, which also features free of charge use of ATMs in the US that can be found at 54000 locations across the country.The account includes options such as free of charge VISA Debit Card per account holder, unlimited check writing, Online Banking, Pay Bill, Simple Cash Back, and BBVA Mobile Banking App. Earning Cashback Rewards is also available

BBVA Free Checking Account Features

  • Initial Deposit: Open with $25
  • No monthly Service Charge or fees
  • No ATM fees at BBVA USA ATMs
  • Free Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay
  • One Free Visa® Debit Card per account holder
  • Earn cash back rewards for everyday debit card purchases with Simple Cash BackSM
  • Personalize with your favorite photo for $10 per card
  • Free customizable alerts2
  • Free online and paper statements
  • Free unlimited check writing
  • BBVA USA, is a Member FDIC and a Equal Housing Lender
  • Free Checking: Available in TX, CA, CO, AZ, NM, AL, FL only

Custom Features for BBVA Free Checking:

  • ATM Transactions: Pay no BBVA fee for using another bank's ATM and receive up to four automatic  rebates per statement cycle for ATM fees charged by other banks. $5.00
  •  Check Supply: Unlimited supply of standard checks and 50% off other styles. $2.00
  •  Cashier's Checks: Unlimited Cashier's Checks. $2.00
  •  Safe Deposit Box: 3 X 5 Safe Deposit Box. $3.00
  •  Estimated Monthly Fees for Custom Features Selections $0.00

BBVA ATM network and fees

This account comes with a Visa debit card, allowing you to make purchases almost anywhere. Plus, you’ll get access to a network of domestic ATMs.

  • Use any of the 1,000 BBVA ATMs in the US for free.
  • For a $5 add-on charge per month, BBVA will waive their out-of-network ATM fees and you’ll receive up to four rebates per statement cycle to put toward other bank’s ATM fees.
  • You’ll be charged 1% of each transaction when you use an ATM outside the US.
  • You’ll be charged 3% of each transaction when you use your card outside of the US.

 Other BBVA Top Accounts offer?

If the BBVA Free Checking Account isn’t right for you, BBVA also offers a few other options:

BBVA Online Checking Account   A full-service checking account with online, branch and ATM access, and no monthly fees. You  can open an online checking account with at least a $25 minimum opening deposit. The online checking account has a cash-back rewards program called Simple Cash Back. The no-cost program allows you to earn cash back by selecting offers in the rewards center of the mobile banking app.

BBVA Premium Checking Account   A standard checking account that earns 0.50% interest while your money sits in the account. In addition, it has a low minimum opening deposit of $25 and offers two automatic rebates of ATM fees when you use another bank’s ATM. Premium checking account customers also have access to Allpoint and 7-Eleven ATMs.

Get started with BBVA Free Checking Account, Learn more about BBVA Free Checking Account

BBVA offers a variety of accounts available in Alabama, Arizona, California, Florida, Colorado, New Mexico, and Texas. Among them is BBVA Free Checking Account. It is a monthly service fee free account, which also features free of charge use of ATMs in the US that can be found at 54000 locations across the country. The account includes options such as free of charge VISA Debit Card per account holder, unlimited check writing, Online Banking, Pay Bill, Simple Cash Back, and BBVA Mobile Banking App. Earning Cashback Rewards is also available. BBVA provides a high degree of protection for online banking. It is ensured via NortonLifeLock supported by Google, Chrome, Mozilla Firefox, and Microsoft Edge.

The amount required for the opening of the account is $25. The required minimum $25 deposit can be paid with a debit or credit card, from the existing BBVA account, and/or the account in another bank. There are no requirements with regard to the balance once the account is opened. Also, in order to open the account, a valid state issued ID with a photograph is needed. It can be a driver’s license, states ID with a photo, or passport. Social Security Number for primary and joint account holder--if applicable--is also necessary. In order for the account to get activated, it first needs to be approved. For that purpose, credit approval might also be necessitated.

Terms and Conditions may provide the information about certain fees. Benefits, products, and features may change at any time, about which notifications might be delayed. This can result in the balance not reflecting all the transactions at the moment of the account holder’s accessing the account.
 

    Eligibility

    Once you choose the checking account that fits your needs, there are several ways to apply:

    • Apply online Open Now
    • Apply by phone Call 1-844-BBVA USA (1-844-228-2872)
    • Apply in person find a BBVA location

    Opening a BBVA Free Checking account is easy and can be done online, in a branch or over the phone. Once you have the account, you can add free BBVA Online Banking and BBVA Mobile Banking, plus Mobile Deposit® and Bill Pay. These BBVA services will give you the ability to easily manage your money virtually anywhere, putting you in control of your financial decisions.

    Opening a BBVA Free Checking Account can be done on your computer. Once you select the checking account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required

    BBVA USA Bancshares, Inc. is a Sunbelt-based bank holding company whose principal subsidiary, BBVA USA, operates 641 branches, including 330 in Texas, 89 in Alabama, 63 in Arizona, 61 in California, 44 in Florida, 37 in Colorado and 17 in New Mexico. BBVA USA ranks among the top 25 largest U.S. commercial banks based on deposit market share and ranks among the largest banks in Alabama (2nd), Texas (4th) and Arizona (6th).

    ARTICLE SOURCES

    1.BBVA. "Free Checking." https://www.bbvausa.com/checking-accounts/free-checking.html '' Accessed May 19, 2020

    Required Information

    To apply you’ll need to provide the following information:

    • Name, date of birth and address.
    • Social Security number or tax ID number.
    • Government-issued ID number.
    • Contact information.
    • Employment information.

    To apply you’ll need to provide the following information:

    • Name, date of birth and address.
    • Social Security number or tax ID number.
    • Government-issued ID number.
    • Contact information.
    • Employment information.

    Frequently asked questions

    Will BBVA's review of my credit report when opening a checking account affect my credit score ?

    Probably not. When you try to open a checking account, banks will usually do a "soft pull", meaning they check your credit, but it does not affect your credit score. Some banks may do a “hard pull”. But they usually only do this when you are requesting credit or a loan.

    What do I need to apply for a BBVA Checking Account?

    To apply for a checking account at BBVA, you'll need the following information and documentation: Social security number, US drivers license or state ID number, and date of birth You'll also need to confirm that you are: A US citizen and permanent resident 18 years or older If you are opening the account with someone else, also known as opening a joint account, they’ll need this information and documentation as well. You’ll need a minimum deposit of $25 to open a BBVA checking account.

    What is a pending transaction or hold?

    Pending transactions are transactions that have been authorized and deducted from your available balance, but have not been received and posted to your account. Pending transaction amounts submitted by a merchant may be more or less than the amount that will post to your account. A hold on a deposit/check is when the funds are not immediately available, and can be placed on deposits/checks for a variety of reasons.

    What are the numbers on checks from BBVA Checking?

    The numbers at the bottom of the check are, in order, the bank routing number, your account number, and the check number. Typically, the check number also appears in the upper right-hand corner of the check.

    How do I link my BBVA checking and savings accounts?

    If you have both a BBVA checking and savings account, you can easily link your accounts via Online Banking, Mobile Banking, or telephone banking. You can also come into a branch and have a representative link your accounts. To link your savings account to your checking account for overdraft protection purposes, you can stop by any branch or call 1-844-228-2872.

    What is the routing number for my BBVA Checking account?

    A routing number identifies the bank and state your money is coming from. The routing number is basically an electronic address for bank transactions made among financial institutions in the United States. It’s also known as a ABA RTN or American Bankers Association Routing Transit Number.

    How do I write a check from my BBVA Checking account?

    Write the date on the line above the word DATE. Where you see PAY TO THE ORDER OF, write the name, company, or entity to which you are paying. In the blank space with the word DOLLARS spell out the payment amount, for example: Three hundred sixty-four and 25/100. In the box above the word DOLLARS, you will write the payment amount in numbers beside the dollar sign ($) symbol, for example: 364.25. In the lower left-hand corner is an optional space for any details you want to include. In the lower right-hand corner you will sign your name as it appears on your account information.

    Where is a check number I get from BBVA Checking located?

    Your check number appears in two places on your checks: 1. In the top right-hand corner of your check 2. On the bottom right-hand side your check, separated from your account number by the ⑈ symbol

    What is the check number and where is it on my checks from BBVA checking?

    The check number helps you keep track of the checks you write. Your checks are numbered in sequential order, for example: “1001,” “1002,” and so on. This helps you keep track of whether a check is missing or still needs to be processed by your bank. 

    Hor do I transfer money from BBVA Money market account to my BBVA checking account?

    You can typically transfer funds via BBVA Online Banking, per a telephone request, in person, by writing a check from your money market account to your checking account, or at an ATM. You can make unlimited in-person withdraws or transfers, but are limited to six withdrawals or transfers made in any other way.

    What happens if I start BBVA checking account applicatio online but don't finish?

    The BBVA online application system automatically saves your incomplete application so you can pick up where you left off. To find your incomplete application, click the Apply Now button on the page where you started the application. Then just scroll down to the section titled: Do you have an existing application with us?

    Can I transfer funds to my prepaid card from a BBVA checking account?

    You cannot set up a direct transfer from your BBVA checking account to your BBVA ClearSpend account. However, you can use the debit card tied to your BBVA checking account to make deposits to your BBVA ClearSpend account.

    How much does it cost to open a checking account at BBVA?

    BBVA does not charge to open a checking account, but a minimum deposit of $25 is required to open a free checking account. In addition to the free checking account, BBVA also offers a Premium Account with features such as cash back offers. However, there is a monthly service charge associated with this level of account. To find out more or to apply contact BBVA today! For a checking account with more features, and/or one that bears interest, you'll typically pay a monthly fee. The BBVA Premium Checking Account offers various tiered interest rates but requires a Monthly Service Charge.

    How do I transfer money between my BBVA Savings and checking accounts?

    For Online Banking transfers: Sign in to Online Banking. Click on the Payments & Transfers tab. Choose the account you want to move money from and click Next. Choose the account you want to send money to and click Next. Enter the transfer amount. Select the frequency. Click on the pop-up calendar icon to select the send date and click Next, then click Submit.

    To transfer money in Mobile Banking: Sign into the BBVA Mobile Banking app. Select Payments & Transfers. Select Start a Transaction. Tap Select Account. Choose the account you want to move money from, and the account you want to send money to. Enter the transfer amount. Select the frequency. Select the date or date range for the transfer or transfers, then tap Submit.

    What is the account number on my BBVA Checking Account?

    The account number on your BBVA check identifies your individual account. Whereas your routing number is specific to your bank and state, your account number is specific to you. Therefore, it's important to safeguard your account number against theft to prevent fraudulent charges.

    What's the difference between BBVA Checking account and BBVA Savings account?

    A BBVA Checking account provides a secure place to keep your money while also making it easy to access your funds to pay monthly expenses. Most checking accounts offer multiple ways to move money, such as checks, ATM/debit cards, online transactions, mobile deposits, and more. A BBVA Savings account is a place where you can safely keep money for a particular purpose. Most savings accounts come with ATM cards and pay a small amount of interest on your balance.

    How do I apply for a BBVA checking account online?

    Here’s how to start your BBVA checking account online application: Find the BBVA checking account that’s right for you. Look for “Open Now” button to start your application. Fill out the application form, fund your account, and review and confirm your information before submitting your application. It’s that quick and easy.

    Can I apply for BBVA Checking Account online?

    Yes, You can apply for a BBVA checking account online at bbvausa.com

    How can I get in touch with BBVA customer service?

    Customer Service and New Accounts
    (Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas)
    1-844-BBVA USA
    (1-844-228-2872)

    Customer Service and New Accounts
    (other states)
    1-866-5-DIGITAL
    (1-866-534-4482)

    Online and Mobile Banking Customer Service
    1-800-273-1057

    Mortgage Origination Inquiries  
    1-888-8-LENDING
    (1-888-853-6346)

    Home Equity Loans and Home Equity Lines of Credit 
    1-844-443-2282

    Loan Customer Service 
    1-800-239-1996

    Automated Loan Payoff
    1-800-239-1966

    Credit Card Customer Service
    1-800-239-5175

    Investment Solutions Customer Service
    1-800-239-1930

    BBVA American Express Card Customer Service
    1-844-622-2282

    International (Mexico) Customer Service
    001-866-342-2512

    What Does BBVA Bank Offer?

    BBVA Bank has a full array of banking solutions available to appeal to a wide range of customers including:

    How do I switch to BBVA?

    Once you’ve made the decision to switch to BBVA, you’ll need to open a checking account. Opening the account is easy and can be done on your computer. To close your old account, ask the previous bank for an Account Closing Request Form. Any funds remaining in the account will be moved to your new BBVA checking account. If you need to also switch a direct deposit, request a Direct Deposit Form from your employer or the Social Security Administration. In addition, to make changing your direct deposit easier, consider ClickSWITCH, a direct deposit platform that allows users to change their direct deposit through their employer without filling out a paper form. ClickSWITCH interacts with the employer directly on behalf of the employee, either electronically or mail.

    How do I request and activate my Debit Card?

    To request a replacement BBVA Debit Card, you can use Online banking, Mobile banking app or call 1-844-228-2872. To activate a new BBVA Debit Card, call 1-866-676-1895, use the BBVA Mobile Banking app or visit a BBVA USA ATM with your PIN.

    What if I overdraft my account?

    If you overdraft your Free Checking Account, there are two types of fees that could be charged. A Paid Item Overdraft Fee (NSF charge - Paid Item) is charged when a transaction exceeds your checking account's available balance but BBVA pays the transaction anyway. A Returned Item Overdraft Fee (NSF Charge - Returned Item) is when a transaction exceeds your checking account's available balance and the bank does not pay the transaction.

    Also, If your account remains overdrawn by more than $1.00 for seven (7) consecutive calendar days, an Extended Overdraft Service Charge of $23 will be assessed. An additional $23.00 Extended Overdraft Service Charge will be assessed for every seven (7) consecutive calendar days that your account remains overdrawn by more than $1.00. A maximum of four Extended Overdraft Service Charges may be assessed per overdraft occurrence. This charge is in addition to any NSF fees you may incur as a result of items being presented against insufficient funds.

    We may, at our discretion, authorize and pay overdrafts for the following types of transactions: (i) checks and other transactions made using your checking account number; and (ii) automatic bill payments. If you do not want BBVA to authorize and pay overdrafts arising from checks and other transactions made using your checking account number and from automatic bill payments, you must opt-out of our standard overdraft practices for these types of transactions

    Where are the fees with free checking?

    BBVA Free Checking Account comes with no monthly service charge, no ATM fees when using BBVA USA ATMs, plus a Visa® Debit Card, Online Banking and Mobile Banking all free. When you open this account, you also get free unlimited check writing and free paper statements. When it comes to the typical monthly usage fees, free checking really does mean free at BBVA.

    How do I earn interest?

    Some checking accounts earn interest on your balance. Usually, that interest depends on maintaining a certain balance. Customers who would like to earn interest on checking, should consider BBVA Premium Checking. If you’re considering BBVA Free Checking, then the best way to start earning interest is to add a savings account. Savings also gives you the ability to add overdraft protection by linking your savings to checking.

    How do I open an account and manage my money?

    Opening a BBVA Free Checking account is easy and can be done online, in a branch or over the phone. Once you have the account, you can add free Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay. These services will give you the ability to easily manage your money virtually anywhere, putting you in control of your financial decisions.

    How do I open a checking account?

    Opening a BBVA Checking Account can be done on your computer. Once you select the checking account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required.

    Where are the fees with free checking?

    BBVA Free Checking account comes with no monthly service charge, no ATM fees when using BBVA USA ATMs, plus a Visa® Debit Card, Online Banking and Mobile Banking all free. When you open this account, you also get free unlimited check writing and free paper statements. When it comes to the typical monthly usage fees, free checking really does mean free at BBVA.

    What is an online checking account?

    An online checking account, or online banking, is a digital service that lets you manage and monitor your checking account from a computer, tablet or smartphone via the Internet. One of the main advantages of online checking is that it allows you easy access to up-to-date information on your account, such as your current balance. You can also use online checking to pay bills and transfer funds from another linked account. These accounts include a debit card and are meant to be combined with a mobile banking feature that lets you access your account from your phone. These features are available with BBVA Free Checking. All BBVA Checking Accounts including BBVA Free Checking offer online checking.

    Can I open this account if I'm not a US citizen?

    Yes, though you may need to call customer service to speak with a representative.