Microsoft's support for your web browser ended on January 12, 2016. To continue to use our online services, you must upgrade to a current version of Google ChromeTM, Mozilla Firefox® or Microsoft Internet Explorer®.
| Account Opening and Usage | ||
| Minimum Deposit Needed to Open Account | $25 | |
| Monthly Service Charge (Monthly Fee) | $0 | |
| Requirements to Waive Monthly Service Charge | N/A | No monthly Service Charge for this account. |
| Interest-Bearing | NO | |
| ATM Fees Charged by BBVA Compass | $0 | For using an ATM in BBVA Compass' ATM network |
| $0 | For using an ATM outside of BBVA Compass' ATM network | |
| Insufficient Funds (NSF) Charge - Returned Item | $38 | Per returned item presented against insufficient funds (see maximum penalty fee number below) |
| Deposited Item Returned Fee | $6 | For each item that you deposit that is rejected by the payor bank ($25 for foreign items) |
| Stop Payment Fee | $32 | Per request made in a branch or by telephone to stop payment of an item |
| $25 | Per request made online to stop payment on a check | |
| Early Account Closing Fee | $25 | If account closed within 180 days of opening |
| Other Service Fees | Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee | |
| Overdraft Options for Consumers with Debit Cards | |||
| Option A: (Default) | No Overdraft Service | If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you. | |
| Option B: Linked Account Overdraft Sweep Service | Inter-Account Transfer Fee (Overdraft Transfer Fee) |
$12 | Per day in which an overdraft is covered by a transfer from a linked savings account |
| Option C: Overdraft Line of Credit* | Overdraft Protection Fee (Overdraft Transfer Fee) |
$12 | Per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, including credit approval) |
| Option D: Courtesy Overdraft Option | Insufficient Funds Charge - Paid Item Fee (Overdraft Penalty Fee) | $38 | Per overdraft item covered by the bank |
| Maximum Number of Overdraft Penalty and NSF Fees per Day | 6 | You will only be charged this number of overdraft penalty and NSF fees per day, even if we elect to cover additional overdrafts or return additional items. | |
| Minimum Amount Required to Trigger an Overdraft Penalty Fee | No Minimum | An overdraft item of any amount that is covered by the bank will cause you to incur an overdraft penalty fee. | |
| Extended Overdraft Service Charge (Extended Overdraft Penalty Fee) | $25 | Charged when your account remains overdrawn for ten (10) consecutive calendar days. An additional $25 extended overdraft penalty fee will be charged if you account remains negative for twenty (20) consecutive calendar days. | |
| * An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions. | |||
| Processing Policies | ||
| Posting Order The order in which withdrawals and deposits are processed |
We process and post transactions — both credits (including deposits) and debits — throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity. Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day. |
|
| Summary of Our Deposit Hold Policy When funds deposited to your account are usually available for deposits less than $5,000 and absent exceptional circumstances - see the Consumer Deposit Account Agreement for a detailed description of our policy. |
|
|
| Dispute Resolution | ||
| Dispute Resolution Agreement | If a dispute arises between us, either party may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details. | |
| ACCOUNT OPENING AND MAINTENANCE | ||
| Minimum Opening Deposit | $25 | |
| Monthly Service Charge | $0 | |
| Statement Cycle | Monthly | |
| Paper Statement Fee | $3 per statement cycle | |
The Paper Statement Fee will be assessed in the following statement cycle. For example, the Paper Statement Fee for the January statement will be assessed in February and will appear on the February statement. |
||
| How to Avoid the Paper Statement Fee | You can avoid the Paper Statement Fee by turning off your paper statements and receiving your account statements electronically through Online Banking. | |
| Early Account Closing Fee | $25 | |
The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. |
||
| ATM FEES | ||
| Fee to Use BBVA Compass ATMs | $0 for using BBVA Compass ATM to complete any transaction. | |
| BBVA Compass Fee to Use another Bank's ATMs | $0† | |
† BBVA Compass does not charge a fee to use another bank's ATM. Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® network. |
||
| International Service Fee (ATM) | 1% of transaction amount | |
| International Service Fee (non-ATM) | 3% of transaction amount | |
International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement. |
||
| OVERDRAFT / INSUFFICIENT FUNDS FEES | ||
| Insufficient Funds Charge (NSF) - Paid Item | $38 per item | |
| Insufficient Funds Charge (NSF) - Returned Item | $38 per item | |
The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means. |
||
| Extended Overdraft Service Charge | $25 per occurrence. This charge is applied once your account becomes overdrawn and continues with a negative balance for ten (10) consecutive calendar days. An additional $25 extended overdraft fee will be charged if your account remains negative for twenty (20) consecutive calendar days. This charge is in addition to any NSF charges you may incur as a result of items being present against insufficient funds. | |
| Inter-Account Transfer Fee | $12 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account. | |
| STOP PAYMENT FEES | ||
| Stop Payment Request (Branch/Phone) | $32 per request | |
| Stop Payment Request (Online Banking)(checks only) | $25 per request | |
| DEPOSIT FEES | ||
| Deposit Item Returned | $6 per item | |
| Deposit Item Returned (Foreign) | $25 per item | |
| Deposit Item Re-run | $7 per item | |
| CHECK CARD FEES | ||
| Personalized Check Card Fee | N/A | |
| Replacement Card Fee | $5 ($10 for personalized Check Card) | |
| Rush Replacement Card Fee | $50 | |
| OTHER STATEMENT FEES | ||
| Statement Upgrade Fee (Image Statement Fee) | $5 per statement cycle | |
| Special Statement | $5 per statement cycle | |
A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts. |
||
| WIRE TRANSFER FEES (all fees are per transfer) | ||
| Domestic: | ||
| - Incoming (Customer) | $10 | |
| - Outgoing (Customer) | $20 | |
| - Outgoing Repetitive (Customer) | $18 | |
| - Outgoing (Non-Customer) | $45 | |
| Confirmation: | ||
| - Fax/Email | $23 | |
| - Mail/Phone | $25 | |
| International: | ||
| - Incoming (Customer) | $15 | |
| - Outgoing (Customer) | $45 | |
| Confirmation: | ||
| - Fax/Email | $3 | |
| - Mail/Phone | $5 | |
| MISCELLANEOUS FEES | ||
| Cash Handling Fees: | ||
| - Rolled Coin | $0.10 per roll | |
| - Strapped Currency | $0.20 per strap | |
| - Bank Bags (Zipper) | $5 per bag | |
| - Bank Bags (Locked) | $20 per bag | |
| Check Charges: | ||
| - Temporary Checks | $1 each | |
| - Personal Checks | Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary. | |
| Collection Items (all fees are per item): | ||
| - Incoming | $20 | |
| - Outgoing | $20 | |
| - Non-Customer | $25 | |
| - Bond Coupon | $5 | |
| - International | $20 plus costs | |
| Deposit Fees: | ||
| - Deposit Correction Fee | $2.50 per item | |
| - Deposits to Closed Accounts | $28.25 per deposit | |
| Legal Fees: | ||
| - Garnishments, Levies, Court Orders | $150 plus attorney fees | |
| Reconcilement/Research Fees: | ||
| - Reconcile Statement | $25 per hour | |
| - Research | $25 per hour | |
| - Copy of Fax | $3 per page | |
| TELEPHONE BANKING FEES | ||
| Staff-Assisted Call (over 5/month) | $1 per call over 5 in a month | |
| Telephone Transfer Fee | $3 per transfer | |
| ONLINE AND MOBILE BANKING FEES | ||
| Online Banking | No additional charge | |
| Online and Mobile Bill Pay | No additional charge | |
| Mobile Banking | No additional charge Message and data rates may apply - check with your wireless provider. |
|
An accountholder with an Eligible Account can earn rewards by playing the games described below. Eligible Accounts include ClearConnect Checking, Bama Checking, Dynamo Checking and NBA Checking accounts. Terms and conditions for each game will also be provided at the time of game Activation. Available games may vary from time to time. Each game can be activated only once per accountholder.
Bill Play
Qualifying ClearConnect Checking, Bama Checking and Dynamo Checking accountholders will receive a $25 Amazon.com Gift Card. Qualifying NBA Checking accountholders will receive a $100 NBAStore.com electronic gift card. Please review the following information to understand how to qualify for the bonus. In order to qualify for the bonus, accountholder must first initiate the bonus game by clicking the game activation button on the "Bill Play" game in Online or Mobile Banking. If the accountholder has more than one Eligible Account, a single account must be selected to be used to play Bill Play. Each game can be activated only once per accountholder, regardless of the number of Eligible Accounts held by accountholder. There is a maximum of one (1) bonus per accountholder.
Within ninety (90) days of activation of the Bill Play game, the accountholder must make three (3) qualifying bill payments of at least $50 each to unrelated third parties. Bill payments must be scheduled through Online or Mobile Banking and paid by the deadline. Person to person (Popmoney®) payments and wire transfers do not qualify. Transfers made from PayPal, ING Direct, or from accounts owned by the customer (or related parties) at other financial institutions do not qualify. Each bill payment must be made to a unique payee. Two or more bill payments to the same payee will result in only one qualifying bill payment. Payments made by a third party debiting your account do not qualify.
If three (3) qualifying bill payments are made within ninety (90) days of activation of the Bill Play game, a bonus redemption button will appear in Online and Mobile Banking. By clicking the redemption button, an Amazon.com Gift Card claim code will be made available to the accountholder. The Amazon.com Gift Card may be redeemed for merchandise at www.Amazon.com. The Amazon.com Gift Card is valued at $25. For NBA Checking accountholders, an NBAStore.com electronic gift card code and PIN number will be made available to the accountholder. The NBAStore.com electronic gift card is valued at $100. Offer is subject to change without notice. BBVA Compass may report the value of funds earned through this offer to the IRS as required by law. Other limitations may apply.
Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete terms and conditions, see www.Amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. ©,®,™ Amazon.com Inc. or its affiliates, 2013. No expiration date or service fees.
The NBA identifications are the intellectual property of NBA Properties, Inc. ©NBA Properties, Inc. All Rights Reserved
Direct Deposit Dash
Qualifying ClearConnect Checking, Bama Checking, Dynamo Checking and NBA Checking accountholders will receive a $15 electronic gift card to be used toward purchases at Amazon.com. Please review the following information to understand how to qualify for the bonus.
In order to qualify for the bonus, accountholder must first initiate the bonus game by clicking the game activation button on the Direct Deposit DashSM game in Online or Mobile Banking. If the accountholder has more than one Eligible Account (as defined above), a single account must be selected to be used to play Direct Deposit Dash. Each game can be activated only once per accountholder, regardless of the number of Eligible Accounts held by accountholder. There is a maximum of one (1) bonus per accountholder.
Within ninety (90) days of activation of the Direct Deposit Dash game, two (2) direct deposits of $300 or more must post to the Eligible Account selected at game activation.
If two (2) qualifying direct deposits post to the account within ninety (90) days of activation of the Direct Deposit Dash game, a bonus redemption button will appear in Online or Mobile Banking. By clicking the redemption button, an electronic gift card number will be made available to the accountholder. The electronic gift card may be redeemed for merchandise at Amazon.com. The electronic gift card is valued at $15.
Offer is subject to change without notice. BBVA Compass may report the value of funds earned through this offer to the IRS as required by law. Other limitations may apply.
Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete terms and conditions, see www.Amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. ©,®,™ Amazon.com Inc. or its affiliates, 2013. No expiration date or service fees.
The NBA identifications are the intellectual property of NBA Properties, Inc. ©NBA Properties, Inc. All Rights Reserved
Swipe for Songs
Qualifying ClearConnect Checking, Bama Checking, Dynamo Checking and NBA Checking accountholders will receive a $10 electronic gift card to be used toward purchases on iTunes©. Please review the following information to understand how to qualify for the bonus.
In order to qualify for the bonus, accountholder must first initiate the bonus game by clicking the game activation button on the Swipe for SongsSM game in Online or Mobile Banking. If the accountholder has more than one Eligible Account (as defined above), a single account must be selected to play Swipe for Songs. Each game can be activated only once per accountholder, regardless of the number of Eligible Accounts held by accountholder. There is a maximum of one (1) bonus per accountholder.
To activate the game, the accountholder must click the game activation button in Online or Mobile banking. Forty (40) qualifying Check Card transactions must then post to accountholder’s Eligible Account within 30 days of activation. The accountholder has 30 days to make forty (40) qualifying Check Card transactions. The 30-day countdown begins when the first qualifying Check Card transaction posts to the Eligible Account after activation of the game. If the first qualifying Check Card transaction is not made within ninety (90) days of activating the game, then the game will expire.
A qualifying Check Card transaction is any purchase made with your BBVA Compass Check Card that debits your participating checking account. ATM transactions are not qualifying transactions. We reserve the right to determine, in our sole discretion, whether a particular BBVA Compass Check Card transaction is a qualifying transaction.
If forty (40) qualifying Check Card transactions are made within the thirty (30) day expiration period of the "Swipe for Songs" game, a bonus redemption button will appear in Online or Mobile Banking. By clicking the redemption button, an electronic gift card number will be made available to the accountholder. The electronic gift card may be redeemed for purchases at iTunes ©. The electronic gift card is valued at $10.
Offer is subject to change without notice. BBVA Compass may report the value of funds earned through this offer to the IRS as required by law. Other limitations may apply.
The NBA identifications are the intellectual property of NBA Properties, Inc. ©NBA Properties, Inc. All Rights Reserved
iTunes is a registered trademark of Apple, Inc.
Valid only on iTunes Store for U.S. Requires iTunes account and prior acceptance of license and usage terms. To open an account you must be 13+ and in the U.S. Compatible software, hardware, and Internet access required. Not redeemable for cash, no refunds or exchanges (except as required by law). Code may not be used to purchase any other merchandise, allowances or iTunes gifting. Data collection and use subject to Apple Customer Privacy Policy, see www.apple.com/privacy, unless stated otherwise. Risk of loss and title for code passes to purchaser on transfer. Codes are issued and managed by Apple Value Services, LLC ("Issuer"). Neither Apple nor Issuer is responsible for any loss or damage resulting from lost or stolen codes or use without permission. Apple and its licensees, affiliates, and licensors make no warranties, express or implied, with respect to code or the iTunes Store and disclaim any warranty to the fullest extent available. These limitations may not apply to you. Void where prohibited. Not for resale. Subject to full terms and conditions, see www.apple.com/legal/itunes/us/gifts.html. Content and pricing subject to availability at the time of actual download. Content purchased from the iTunes Store is for personal lawful use only. Don’t steal music. © 2011 Apple Inc. All rights reserved.
Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA Compass accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama.
For additional terms governing your account, please consult the Consumer Deposit Account Agreement.
NOTE: The above noted fees and service charges are not set bank—wide. These prices are driven by the competition in your local market.
We reserve the right to change terms, conditions, and/or pricing of our products upon reasonable prior notification.
Rev. 12/2014