Apply for a Build-to-Order Checking Account
Make the most of your everyday banking.
- Terms & Fees
Our Build–to-Order Checking combines money-saving features with exceptional convenience. Use online or mobile banking to manage your money, even when you're on the go. And when you need quick cash, our ATMs and branches are here for you. We're here for you, too — with solutions that make your banking easy.
Bank however and whenever it's most convenient for you
Enjoy online banking and other money management tools
Avoid monthly service charge when you meet certain requirements
Build-to-Order Checking offers the tools and options you need to make your banking more convenient and rewarding:
- Online Banking
- Online Bill Pay
- Mobile Banking
- Email Alerts
- MyCompass (online money management tools)
- Online statements
- Unlimited check writing
- Visa® Check Card customized with a personalized photo (one per customer)
- CompassPoints® Rewards
- Free withdrawals at BBVA Compass ATMs
More ways to save
- Loan discount of .25% with automatic payment from checking
- Basic Savings monthly service charge can be avoided with a $25 recurring transfer from checking
- Preferred Money Market monthly service charge can be avoided with a $25 recurring transfer from checking
$25 minimum opening deposit required
Monthly Service Charge
Monthly service charge of $10.95 – or no charge in statement cycles when you meet any one of the following requirements:
- There is at least one qualifying Direct Deposit of $300 or more from an unrelated 3rd party, OR
- The account has an average daily collected balance of $1,500 or more, OR
- The primary accountholder is enrolled in the BBVA Compass Preferred Client PLUS program and maintains Preferred PLUS status
- The primary accountholder applies and is approved for student status (active student ID required)
- The primary accountholder applies and qualifies for “everyday hero” status
Transaction Limits and Fees†
- Daily ATM limit of $500
- Daily limit of $6,000 on credit and debit card transactions
- Withdrawals from other banks' ATMs: $2 per transaction
Optional Services and Fees†
- Paper statements: $3 per month
- Image statements: $5 per month
- Savings Sweep Overdraft Protection: $12 per transfer
- Overdraft Protection Line of Credit: $12 (charged once per day of Overdraft Protection Line of Credit transactions)
† Please refer to the account disclosures for details about additional terms, transaction limits and miscellaneous fees that may apply. Products, features, and benefits offered with accounts are subject to change. All checking accounts and Check Cards are subject to approval, which may include credit approval. All loans are subject to approval, including credit approval. Mobile Banking: Access and/or usage fees may apply according to your wireless plan. Please check with your wireless carrier about such fees.
Preferred Client PLUS Program: Enrollment in the Preferred Client PLUS program is subject to eligibility. Visit bbvacompass.com/preferred-client for details.
Everyday Hero: ID or other verification required. An "everyday hero is: (1) a certified teacher or administrator of an accredited or state-recognized public or private school; (2) a sworn member of a law enforcement department that is responsible for crime detection, prevention, law enforcement or incarceration; (3) a sworn member of a fire department involved in fire suppression or prevention, emergency medical response, hazardous materials response, terrorism response or management; (4) a health care worker who is certified, accredited or licensed to work in the health care industry as a nurse, pharmacist or medical technician; or (5) a person who has served or is currently serving in the U.S. Military: active retired and reserved duty. BBVA Compass reserves the right to review everyday hero status on a periodic basis. Build-to-Order terms and conditions, including everyday hero pricing, are subject to change at anytime, at the discretion of BBVA Compass.
Overdraft Protection Line of Credit: Overdraft Protection Line of Credit accounts are subject to approval, including credit approval. APR for Overdraft Protection Line of Credit: 21%. Overdraft Protection Fee: $12 (charged once per day of Overdraft Protection Line of Credit transactions). With an Overdraft Protection Line of Credit, your overdraft protection will be subject to your approved credit line, which may not be sufficient to cover all transactions.
Or you can also apply
By Phone 1-800-COMPASS
In Person Find a Branch
Is this the checking account for you?
It might be, if you answer yes to any of these:
- Is this your first or only account with us?
- Do you have direct deposit?
- Do you use online banking?
- Do you want more than just the basics?
- Are you a student under age 25?