Preferred Client Benefits
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.
- 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
- Complimentary Preferred Client checks and cashier’s checks
- No delivery fee for checks you order
- Rate bumps on Time Deposits3, BBVA Compass ClearChoice Premium Checking and BBVA Compass ClearChoice Premium Money Market accounts
- 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:
- $25,000-$99,999 in qualifying balances* with BBVA Compass
- $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 Time Deposits: CD accounts subject to approval. $500 minimum opening deposit required. Rates are subject to change. $1,000,000 maximum deposit. BBVA Compass opens CD accounts that have no certificate known as Time Deposits or TDs.
4 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%). Special offers available only on applications received between 01/02/13 and 03/31/13 that close by 04/30/13. 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).
5 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.
BBVA Compass Preferred Client Customer Service
8 a.m. - 6 p.m. (CT) Saturday
12 p.m. - 6 p.m. (CT) Sunday
Automated services are available 24 hours a day, seven days a week.
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