Overdraft Payment and Protection Programs

Checking Account Overdraft Protection

When the unexpected happens, we want you to be prepared.

From easy-to-use account management tools to Overdraft Payment and Protection Programs, we've gone the extra mile to create a banking relationship that gives you peace of mind.

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So, What Is an Overdraft?

We've all done it: didn't pay close enough attention and accidentally overdrew our checking account. The good news is now there are many ways to easily manage your account, and financial tools designed to protect you in the event of an overdraft.

An overdraft occurs when you don't have enough money in your account to cover a transaction, but the transaction is paid anyway.1 You can be charged overdraft fees for any type of transaction that causes an overdraft2 — whether it's a check, debit card charge, preauthorized electronic fund transfer, or ATM withdrawal.

Managing Your Consumer Checking Account

The best way to avoid overdrafts is to always know how much money is in your account. At BBVA Compass, we want to provide you with easy-to-use tools to give you access to your Available Balance information anytime, anywhere. Below are some of these account management tools:

Online Banking

From paying bills to transferring money, you can do what you want, when you want. Learn More  

ATM Banking

Do the banking you want, when you want. Learn More  

Account Alerts

Set up account alerts and always know what's going on with you accounts. Learn More  

Mobile Banking

You don't have to visit a bank to do your banking. Now your account is in your hands. Learn More  

Telephone Banking

We're available Monday thru Friday: 7:00 a.m. - 10:00 p.m. CT, Saturday: 8:00 a.m. - 4:00 p.m. CT. Learn More  

And remember, knowing your Available Balance is only one of the ways to effectively manage your account. Managing your cash flow is also important. By setting up Direct Deposit, you can have access to your money more quickly. It's fast, safe and convenient.

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Overdraft Payment and Protection Program

Even with the many tools available to help you manage your account, sometimes the unexpected happens. At BBVA Compass, we help you manage those moments and gain peace of mind with our Overdraft Payment and Protection Programs:

  • Courtesy Overdraft Option1 Our Courtesy Overdraft Option is a service designed to allow you to make transactions against your account, even with non-sufficient funds. This doesn't mean you will avoid bank fees, but it can save you the embarrassment and hassle of having your Check Card declined or check returned to the merchant.
  • Overdraft Protection Line of Credit3 With a BBVA Compass Overdraft Protection Line of Credit, you can link an existing checking account to a line of credit to cover overdrafts and help protect against returned checks and unnecessary fees.
  • Linked Account Overdraft Sweep Service4 This option links your BBVA Compass savings or money market account to your checking account to cover overdrafts.

To help you better understand the overdraft protection options available to you, please view the Overdraft Payment and Protection Program Comparison Chart. Learn More  

How to Opt In/Out to Courtesy Overdraft

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