Everyday Heroes Banking 

Overview

Enjoy our benefits with Everyday Heroes Banking

Everyday Heroes Banking is our way of saying thanks to military personnel, law enforcement officers, firefighters, educators, and healthcare providers for your special contributions to our community.

BBVA Compass offers products and services for all of your banking needs:

Benefits

Checking with no monthly Service Charge

Apply for a BBVA Compass ClearChoice Free Checking1 account that gives you easy access to your money, unlimited check writing, plus Online Banking with Bill Pay, Mobile Banking, and a standard BBVA Compass Visa® Debit Card.

BBVA Compass ClearChoice Savings2

Make saving automatic with a minimum $25 recurring monthly transfer from your BBVA Compass Checking account to your BBVA Compass ClearChoice Savings and the $15.00 quarterly Service Charge will not apply.

Certificates of Deposit (CDs)3

Receive 0.10% (10 basis points) interest rate bump on new CD rates. Enjoy this CD rate bump on standard and promotional rates for CDs originated in branch or through telephone banking.

Mortgage options for you

At BBVA Compass, our resources can help you discover how to open the door to your dream home, when to refinance, how to use the equity in your home, and what the loan process is really like. Talk to a mortgage specialist today to learn more about the full range of mortgage products available for you.

Consumer loans4

Receive 0.25% off borrower’s interest rate for an auto, boat, motorcycle, RV, or other depreciating collateral loan.

Home equity products4

Everyday Heroes receive a 0.25% (25 basis points) rate discount off our standard rates on home equity products.

Discount on a BBVA Compass Express Personal Loan

Enjoy a 0.25% interest rate discount on loan amounts from $2,000 - $35,000 (up to $100,000 when you apply in branch) and, the best part is, loan amounts up to $50,000 can potentially receive credit notification and funding the same day. Only your signature is needed as collateral. It’s that easy.5

Credit Card 

Get 5,000 bonus CompassPoints when you open a new BBVA Compass Rewards Card or BBVA Compass ClearPoints Credit Card within 60 days of opening a new Everyday Hero coded consumer checking account and make $500 in Qualifying Purchases within 30 days after opening the credit card.6

Details you need to make a smart decision 

All credit cards are subject to approval, including credit approval.

1BBVA Compass ClearChoice Free Checking: BBVA Compass ClearChoice Free Checking: All checking accounts and Debit Cards are subject to approval, which may include credit approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. Please refer to the Terms & Conditions for this product for additional details. Standard Debit Card: One per accountholder at no additional charge. $10 per each additional card.

2BBVA Compass ClearChoice Savings: All savings accounts are subject to approval. $25 minimum opening deposit required. Miscellaneous fees and service charges may apply. Please refer to the Terms & Conditions for this account for complete details. Quarterly Service Charge of $15.00 will not apply in statement cycles when: (1) You have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass checking account to your BBVA Compass ClearChoice Savings account in effect at the time the service charge would be assessed or (2) You maintain a minimum daily collected balance of $500 or more in your BBVA Compass ClearChoice Savings account.

3Certificates of Deposit (CDs): Eligible Everyday Hero Banking customers must have a BBVA Compass checking account with a positive balance to be eligible for ten basis point CD rate bump offer. Must have a consumer checking account with an Everyday Hero Occupation code. Must originate CD at a BBVA Compass branch or through telephone banking to have 10 basis point rate bump applied to new CD.

4Everyday Hero Loan Discounts: Offer and rate discounts subject to change without notice. All loans subject to program eligibility, underwriting, collateral requirements, and approval, including credit approval. Everyday Hero coded consumer checking account required. The Everyday Hero rate discount cannot be combined with any other promotional discount, Branch Empowerment Tool, or Professional Program discounts. Floor rate applies to home equity lines of credit.

5Express Personal Loan: Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 5.91% and 35.06% (for online applications, the offered APR will vary between 5.99% and 35.06%) based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Only the most creditworthy applicants will qualify for the lowest APRs and/or the highest loan amounts. Enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 1.00% interest rate discount and the BBVA Checking Account must be opened prior to the loan being finalized. Enrollment in the Everyday Heroes Banking Program at the time the loan is finalized is required to receive the 0.25% interest rate discount. In order to be eligible, you must have an Everyday Hero coded consumer checking  account. You must pay an Interest Surcharge at loan closing. The amount of the Surcharge will be withheld from loan proceeds. Loan term, loan amounts and APRs may vary if originated in branch. An unsecured term loan may not be originated for any applicant who has originated or been declined for an unsecured term loan with BBVA Compass within six (6) months of the date of the new application or who currently has two or more active unsecured term loans with BBVA Compass. 

6Credit Card: Credit cards subject to approval, including credit approval. To receive the 5,000 bonus rewards points, customer must: (1) open a BBVA Compass Everyday Hero coded consumer checking account; (2) within 60 days of opening the checking account, open a BBVA Compass Rewards Card or BBVA Compass ClearPoints Credit Card; and (3) make $500 in net Qualifying Purchases using the credit card within 30 days of opening the credit card. Bonus points will be credited within 60 days of meeting requirements; account must be open and in good standing to receive bonus points. A “Qualifying Purchase” is any purchase made with your BBVA Compass Visa Credit Card that is processed or submitted through the Visa U.S.A. Inc. payment system. Qualifying Purchases do not include payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, finance charges, and related service charges, if any apply), purchases of prepaid cards or reloadable cards such as certain gift cards, purchases of quasi-cash items (for example, casino chips), purchases of cash equivalents of payment instruments that can readily be converted to cash (for example, travelers’ cheques, money orders, wire transfers, and similar products or services), or purchases made using a Personal Identification Number (PIN) or initiated through identification technology that substitutes for a PIN. The Everyday Hero offer cannot be combined with any Workplace Solutions or Professional Program discounts, but may be combined with any other in-branch offers. Promotional offers subject to change without notice.

Equal Housing Lender