BBVA Online Checking Account

Digital banking with BBVA Online Checking Account gives you the confidence and control to bank online with peace of mind.

To fully take advantage of your new account, is perfect for people who don’t live near BBVA branches, all you would need to do is open an account with a minimum deposit of $25. Once you have met the necessary requirements, you will gain instant access to great account features such as a personalized debit card as well as eAlerts and so much more! With the BBVA Online Checking account, you can enjoy great features along with no monthly service fees. You don't have to visit a bank to do your banking. Now your account is in your hands. Get an award-winning mobile banking app and no monthly Service Charge with BBVA Online Checking. No ATM fees nationwide at more than 64,000 AllPoint®, participating 7-Eleven® and BBVA USA ATMs.

$0
Monthly fee
0.00%
APY
$25
Minimum deposit to open
  • Features
  • Deposit methods
$0
$25
0,00%

BBVA Online Checking Account Features

  • Open with $25 
  • No monthly Service Charge
  • No ATM fees nationwide at more than 64,000 AllPoint®, participating 7-Eleven® and BBVA USA ATMs1
  • Complimentary Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay
  • One free BBVA Visa® Debit Card per account holder:
    • Easily keep track of your purchases and get transaction alerts on the go with BBVA Mobile Banking App2 
    • Earn cash back rewards for everyday debit card purchases with Simple Cash BackSM

BBVA Online Checking Account Fees

  • Paper Statement Fee: $3 per month
  • Easily avoid the Paper Statement Fee with these details.
  • You will automatically receive a paper account statement by mail for a fee of $3 per month. However, you can opt for free electronic account statements and eliminate the $3 Paper Statement Fee when you turn off paper statements through Online Banking.

BBVA ATM network and fees

BBVA Online Cjecking account comes with a Visa debit card that lets you make purchases nearly anywhere. Plus, you’ll get access to a network of BBVA and Allpoint ATMs.

  • Use over 1,000 BBVA ATMs in the US for free.
  • Use over 64,000 Allpoint ATMs in the world for free.
  • BBVA doesn’t list exact fees for using ATMs outside of these networks, but states that you may be charged a fee on top of any ATM-owner fees.
  • You’re charged 1% of each transaction when you use an ATM outside the US.
  • You’re charged 3% of each transaction when you use your card outside of the US.

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

BBVA Online Checking Account comes with no monthly service fee. However, opening this type of  the account requires from the account holder to have Social Security number or tax ID number, to provide address and contact information, not to be younger than 18, to present a government issued ID number, and to deposit $25. The account can only be opened online, and it is conditioned by checking the account holder’s credit. The account offers free Online Banking, Mobile Banking, Mobile Deposit, and Bill Pay. The account can be accessed online from a computer, tablet, or smart phone.
This checking account provides free of charge access to approximately 64000 ATMs across the country. These include Allpoint, participating 7-Eleven, and BBVA ATMs. There is no surcharge fee. If an out-of-network ATM is used, there is a $3 fee. Additional ATM owner’s fees may apply. If an ATM outside of the US is used, 1% of the amount of the transaction is charged. For international transactions, 3% of the amount is charged. An online statement is free of charge, but if the account holder opts for a paper statement, there is a $3 fee. 
There is a $38 overdraft fee and a $38 insufficient funds fee. They are charged when either there are no funds or funds are insufficient in the account. The Bank pays for the transaction, and the fee is charged (Paid Item Overdraft fee: NSF charge - Paid Item). When a transaction exceeds the amount in the account, and the Bank does not pay, a Returned Item Overdraft fee (NSF Charge - Returned Item) is charged. There is a $23 Extended Overdraft Service fee charged if the account is overdrawn by more than $1.00 for 7 consecutive calendar days. This is repeatedly charged for every 7 consecutive calendar days during which the account is overdrawn by more than $1.00. 
The account offers a possibility to earn rewards by using Simple Cash Back. The account holder is eligible to a personalized debit card which can be designed using the account holder’s choice of art work, including his or her own creation, pictures made by other people, or those found in the BBVA gallery. This account does not have an interest earning option. There is a $15 incoming domestic wire transfer fee, and a $30 outgoing domestic money transfer fee.  The same fees are charged for these types of service internationally, i.e., $15 incoming international wire transfer fee, and a $30 outgoing international money transfer fee.

    Name Minimum Deposit to Open ATMs Out-of-network ATM fee
    HSBC Premier Checking $1 Free to use at all ATMs in the US $0
    Chase Total Checking $0 Access to 16,000 ATMs and nearly 4,900 branches nationwide $2.50
    Santander® Premier Plus Checking $50 $0 $0 for domestic non-Santander ATM withdrawals.
    Bank of America Advantage Plus Banking® $100 No Bank of America ATMs fee $2.5
    Eligibility

    To open this account, you’ll need to meet a few eligibility requirements:

    • Social Security number or tax ID number.
    • Address and contact information.
    • Be 18 or older.
    • Make an initial deposit of at least $25.
    • Open the account online.
    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.

    BBVA offers Checking accounts for all of your needs, You may also be interested in :

    Frequently asked questions

    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.

    What is the BBVA routing number?

    Routing numbers are different for every state:

    • Alabama: 062001186
    • Arizona: 122105744
    • California: 321170538
    • Colorado: 107005319
    • Florida: 063013924
    • New Mexico: 10700783
    • Texas: 113010547
    • All other states: 062001186
    Can I apply for a checking account online?

    You can apply for a BBVA checking account online at bbvausa.com. If you would rather apply in person, find a BBVA location. Or apply via phone at 1-844-BBVA USA (1-844-228-2872).

    How do I apply for a checking account online?

    Here’s how to start your BBVA checking account online application:

    • Find the checking account that’s right for you
    • Look for “Apply 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.
    How much does it cost to open a checking account?

    This varies by bank and the type of checking account. For a basic, no frills checking account, most banks require at least a minimum opening deposit. For example, to open a BBVA Free Checking Account, you'll need an initial deposit of $25.

    For a checking account with more features, and/or one that bears interest, you'll typically pay a monthly fee. For example, the BBVA Premium Checking Account offers tiered interest rates but requires a $19 Monthly Service Charge (which you can avoid)

    What happens if I start an application, but don’t finish?

    BBVA online application system automatically saves your incomplete application so you can pick up where you left off.However, some account terms could be different when you resume the application. To find your incomplete application, click the “Apply Now” button on the account page where you originally started the application and scroll down to the following section:

    Do you have an existing application with us? Resume Application

    If you encounter an error in your online application, what should you do?

    Simply call 1-844-BBVA USA (1-844-228-2872) or visit one of our branch locations. A customer service representative or branch associate will be able to access your online application and help you finish the process.

    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 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