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Preferred Client Program

  • Preferred Client
  • Preferred Client Plus

The Compass Preferred Client Program® is designed to give you more of everything you find important in a bank. Get the most from your relationship with us with these unique benefits and a higher level of service.

Priority Service:

  • Access to the dedicated Preferred Client Service Unit with extended hours
  • Immediate provisional credit for disputed ACH and debit transactions1
  • Complimentary MoneyGuideProTM Risk Assessment with a licensed professional2

Preferred Pricing:

  • Complimentary Preferred Client checks and cashier’s checks
  • No delivery fee for checks you order
  • 0.25% (25 basis points) rate discount on selected home equity products4
  • 0.25% (25 basis points) off current posted auto loan rates

Preferred Check Card:

  • Preferred Gold Visa® Check Card with $800 ATM withdrawal limit and $8,000 purchase limit5

To become a Preferred Client, you must have a BBVA Compass consumer checking account and one of the following:

  1. $25,000-$99,999 in qualifying balances* with BBVA Compass
  2. $250,000 or higher mortgage with BBVA Compass

Important Terms and Disclosures

BBVA Compass Preferred Client enrollment is subject to eligibility. BBVA Compass reserves the right to review eligibility for Preferred Client status on a periodic basis. BBVA Compass may, in its sole discretion, enroll clients in Preferred Client program, regardless of whether the client otherwise meets the eligibility requirements, and may impose lesser requirements to maintain Preferred Client status. BBVA Compass Preferred Client program is subject to change or termination at any time, without notice to you.

* Qualifying balances for BBVA Compass Preferred Client program: Qualifying balances include: consumer checking, savings, and money market accounts, principal balance on loans and lines of credit, outstanding balance on credit cards, investment, and 50% of CD balances, but exclude: first lien mortgage loans, insurance, trust, and business accounts.

1 Immediate provisional credit: In order to receive immediate provisional credit the total amount of the claim must not exceed $5,000. If the claim amount is greater than $5,000 no immediate credit will be given. A claim is defined as the total dollar value of the combined transactions filed for dispute investigation.

2 Personal Investment Officer: Schedule a Meeting with a Personal Investment Officer to review your current financial situation and to consider your future needs, goals and objectives. Securities and Investment products offered through BBVA Compass Investment Solutions, Inc. Member FINRA and SIPC and an affiliate of Compass Bank. Insurance products are offered through BBVA Compass Insurance Agency, Inc., an affiliate of Compass Bank.

3 Home Equity Line of Credit: All credit subject to approval. Minimum payment of $75 or total amount outstanding whichever is less. All loans and lines of credit are subject to program eligibility, collateral and underwriting requirements, and approval, including credit approval. Equity Optimizer APR: 4.00% - 6.00% variable. Maximum APR not to exceed 18%. Minimum APR (floor rate) in effect at closing will apply after expiration of promotional period (currently 4.00%). Loan Terms: BBVA Compass must receive a valid first or second real estate lien on a primary residence occupied by the borrower. Texas Loan Terms: Maximum credit line cannot exceed 50% of appraised value of property. BBVA Compass must receive a valid first or second real estate lien under Article XVI, Section 50(a) (6) of the Texas Constitution on a primary residence occupied by the borrower. Offer does not include manufactured homes or Equity Optimizers® secured by purchase money mortgages. Property insurance required including flood ins urance, where applicable. Minimum line amount is $10,000. $50 annual fee charged on the first anniversary date of the line and every year thereafter (not applicable in Texas). $75 fee for each fixed rate option, waived for the first transaction. Rates and terms are subject to change without notice. Closing Costs: You can choose between bank-paid or borrower-paid closing costs on new BBVA Compass home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Closing costs paid by the lender will be recovered by the lender if the borrower pays the loan/line in full within two years (not app licable in Texas).

4 Preferred Gold Visa Check Cards: Members of the Preferred Client Program must have a Preferred Gold Visa Check Card to receive this benefit. Preferred Gold Visa Check Cards are available upon request by customer. Visa Check Cards are subject to approval, which may include credit approval. Preferred Gold Visa Check Cards are not available to NBA Checking accountholders.

As a member of the BBVA Compass Preferred Client Plus Program® you receive all the benefits of the Preferred Client Program, PLUS…

Preferred Pricing

  • No monthly Service Charge for BBVA Compass ClearChoice Premium Checking or BBVA Compass ClearChoice Money Market accounts
  • Automatic ATM fee rebates
  • Complimentary small-sized safe deposit box or 50% discount on a larger size1
  • 0.50% (50 basis points) rate discount on selected home equity products2
  • 0.50% (50 basis points) off current posted auto loan rates
  • 6 NSF fee rebates per year3
  • Domestic/International wire transfer fee rebates on both incoming and outgoing transfers4
  • “Stop Payment” request fee rebate on checks
  • Complimentary paper and image statements

Preferred Plus Check Cards

  • Preferred Platinum Visa® Check Card5 has an increased daily ATM withdrawal limit ($1,000) and purchase limit ($10,000), no international service fees charged by BBVA Compass, Visa Concierge Service, and much more.

Preferred Client Plus members receive streamlined application processing and expedited approval of their application for the BBVA Compass SelectSM Credit Card with no $125 annual fee, customized rewards, and over $1,000 in estimated value during the first year.

To qualify for Preferred Client Plus you must have a BBVA Compass consumer checking account and one of the following:

  1. $100,000 or more in qualifying balances*, OR
  2. $450,000 or higher mortgage with BBVA Compass

Important Terms and Disclosures

BBVA Compass Preferred Client Plus enrollment is subject to eligibility. BBVA Compass reserves the right to review eligibility for Preferred Client status on a periodic basis. BBVA Compass may, in its sole discretion, enroll clients in the Preferred Client program, regardless of whether the client otherwise meets the eligibility requirements, and may impose lesser requirements to maintain Preferred Client status. BBVA Compass Preferred Client program is subject to change or termination at any time, without notice to you.

*Qualifying balances for BBVA Compass Preferred Client program: Qualifying balances include: consumer checking, savings, and money market accounts, principal balance on loans and lines of credit, outstanding balance on credit cards, investment, and 50% of CD balances, but exclude: first lien mortgage loans, insurance, trust, and business accounts.

1 Safe deposit boxes: are subject to availability. 50% discount on larger sizes where available.

2 Home Equity Line of Credit: All credit subject to approval. Minimum payment of $75 or total amount outstanding whichever is less. All loans and lines of credit are subject to program eligibility, collateral and underwriting requirements, and approval, including credit approval. Equity Optimizer APR: 4.00% - 6.00% variable. Maximum APR not to exceed 18%. Minimum APR (floor rate) in effect at closing will apply after expiration of promotional period (currently 4.00%). Loan Terms: BBVA Compass must receive a valid first or second real estate lien on a primary residence occupied by the borrower. Texas Loan Terms: Maximum credit line cannot exceed 50% of appraised value of property. BBVA Compass must receive a valid first or second real estate lien under Article XVI, Section 50(a) (6) of the Texas Constitution on a primary residence occupied by the borrower. Offer does not include manufactured homes or Equity Optimizers® secured by purchase money mortgages. Property insurance required including flood insurance, where applicable. Minimum line amount is $10,000. $50 annual fee charged on the first anniversary date of the line and every year thereafter (not applicable in Texas). $75 fee for each fixed rate option, waived for the first transaction. Rates and terms are subject to change without notice. Closing Costs: You can choose between bank-paid or borrower-paid closing costs on new BBVA Compass home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Closing costs paid by the lender will be recovered by the lender if the borrower pays the loan/line in full within two years (not applicable in Texas).

3 NSF Fee Rebate: Rebates available by customer request only. The following fees are eligible for rebate: NSF Charge-Returned Item, NSF Charge-Paid Item, Extended Overdraft Service Charge. Each Preferred Plus customer may have a total of 6 of these fees waived per year.

4 Wire Transfer Fee Rebate: Rebate available by customer request only.

5 Platinum Visa Check Cards: Members of the Preferred Client Plus program must have a Platinum Visa Check Card to receive these benefits. Platinum Visa Check Cards are available upon request. Visa Check Cards are subject to approval, which may include credit approval. Platinum Visa Check Cards are not available to NBA Checking accountholders. Certain terms, conditions and exclusions apply to the Visa Check Card benefits. Please refer to your Guide to Benefits for further details.

Securities and Insurance Products:


Are NOT Deposits Are NOT FDIC Insured
Are NOT Bank Guaranteed May Lose Value
Are NOT insured by any Federal Government Agency