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Last Updated: 01/21/2026
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BBVA Online Checking
Claimed
in Checking Accounts from BBVA
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +83
Strongly recommended35 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
BBVA Online Checking Review
BBVA Online Checking is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
The BBVA Online Checking is offered by BBVA, a bank founded in 1964 and based in Birmingham, AL. BBVA Online checking is available in 48 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, BBVA Online Checking does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in BBVA mobile or online banking.
BBVA Online checking Pros & Cons
| Pros | Cons |
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BBVA Online checking FAQ
Are checking accounts from BBVA savings accounts federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #19048). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does BBVA Online checking offer?
BBVA Online checking is not an interest-bearing account.
What are the account minimums for BBVA Online checking?
BBVA Online checking requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does BBVA Online checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does BBVA Online checking charge overdraft fees?
Yes, BBVA Online checking charges a $38 fee for every overdraft.What features and perks does BBVA Online checking offer?
This account includes the following features:
- Fraud monitoring - BBVA Online checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - BBVA Online checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for BBVA Online checking?
The customer support email for BBVA Online checking is abuse@bbvausa.com.
How do people rate the customer service and user experience of BBVA Online checking?
Overall, BBVA Online checking is strongly recommended based on community reviews that rate customer service and user experience.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +83, or 4.7 on a 5-point rating scale.
+83
-1000+100
No one recommends
Everyone recommends
BBVA Online Checking Community Reviews
Would you recommend BBVA Online Checking to your friends?
U
Anonymous
May 14, 2023
May or may not recommend
It’s nice and safe to use , if you are using a mobile app
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
BBVA was the service my grandfather used and it proved to be incredibly loyal. While he had a few bumps in the road, it was an overall pleasant experience. Couldn't recommend it enough.
OB
Orion B.
Jun 17, 2021
May or may not recommend
BBVA was the service my grandfather used and it proved to be incredibly loyal. While he had a few bumps in the road, it was an overall pleasant experience. Couldn't recommend it enough.
Youram J.
May 14, 2021
May or may not recommend
My friend recommended it to me, I'm so much satisfied and happy to share my experience with BBVA online checking. They maintained my credit score, their customer staff was so polite, informative, and helpful. When I didn't understand they keep guiding me. I choose it because I found no fees or interest, cashback rewards, and provide me high security from spam checking. They also provided me with a free debit ...Show More
KR
Kristina R.
Apr 12, 2021
May or may not recommend
This checking account is perfect if you just want to bank online. Everything is really easy and the rates and fees are reasonable.
J.
James .
Mar 3, 2021
May or may not recommend
Looking for a checking account with no monthly fees, BBVA immediately stuck out to me. Not only do they have no monthly fees, but they have no ATM fees, and cash back rewards with a debit card that is free to set up. Overall, BBVA seems to really care about their customer and is a big money saver.
LO
Lillith O.
Feb 24, 2021
May or may not recommend
I would definitely recommend BBVA for your checking account. Their customer service is amazing, which is what we need during these times. The account has the benefits of 0% interest fees, a $0 monthly fee, cash back rewards, a free debit card, and fraud monitoring. Fraud monitoring is especially needed with all the fraud going around right now.
CO
Chijioke O.
Jan 15, 2021
May or may not recommend
BBVA Online Checking seems too good to be true. No ATM fees nationwide with Free Online Banking and Mobile Banking. I also love the Card-cash back rewards from them. Zero Monthly Service Charge and very Low opening deposit requirement ($25)
RC
Regina C.
Jan 12, 2021
May or may not recommend
BBVA has great customer care in case you do have any questions or concerns. The fees are very affordable which is good to look for in a bank. A good extra detail that this bank has is fraud protection which is good in todays world with all these scams happening 24/7 in the world. The mobile banking feature is also amazing because you can access and control your money on ...Show More
KD
Kevin D.
Jan 7, 2021
May or may not recommend
I am fascinated on how absolutely well BBVA works with their customers and offers the best advice for anyone at all. They have never left me on hold for long or at all, and they always know how to help me around any of my concerns. I do have some advice for anyone who wants to try it though, I would say at least have some decent credit on your ...Show More
NM
Na'im M.
Dec 15, 2020
May or may not recommend
This company's world-class customer service has been extremely helpful. I believe that they're available on most days during the week. Whenever I give them a phone call, they always offer spectacular advice, whether it's about my account balance or related to further increasing my credit score. I would recommend their secured card, for instance, to anyone with decent credit.
Audrey F.
Dec 8, 2020
May or may not recommend
I used Simple through BBVA and it has been an awesome experience. I laughed when I first found them and saw an asterisk over the "free, always!" I rolled my eyes and scrolled down to see, "no, really, it's always free." They sent me the most beautiful leather wallet when I opened my account years ago that I still use. They have been so easy and helpful and I love ...Show More
Esther O.
Nov 18, 2020
May or may not recommend
I opened a checking account online with BBVA online checking account for my business, and it was an easy process. Their services are great in terms of their 24/7 phone line, and great online experience.
I have never regretted my banking with BBVA so far as the banks bring a lot of great offers to the table. They charge no monthly fee, and still offer great services. They have a promo ...Show More
CD
Christopher D.
Nov 11, 2020
May or may not recommend
It can be a great start for new bankers. Online banking is very important
ID
Imran D.
Nov 5, 2020
May or may not recommend
Opening an account in a bank which does not have a familiar name must be a crazy thing to do considering how importantly we prize our means, a return for our best effort working. Well, that's exactly what I did at a BBV A branch right there on University Drive somewhere near Oakwood University in Huntsville, AL.
Why did I do this, well, apart from being a stranger in a new ...Show More
U
Anonymous
Nov 1, 2020
May or may not recommend
I think that it's very helpful and i would love it if they let me borrow money
SF
Scarlet F.
Oct 24, 2020
May or may not recommend
Ordered cheques on a Tuesday and got them the following Tuesday which was just fine because of holidays and US post strike which put everything behind. Came exactly as ordered.
CE
Chelsey E.
Oct 24, 2020
May or may not recommend
BBVA Online Checking Accounts is a spectacular product. I don't think I've heard any issues about them from my friend Clover, who has been banking with them since last year. Trust me she is very picky about where her money stays, so for the fact she claimed she had no issues with this bank must mean that they are doing something right.
AS
Andrew S.
Oct 23, 2020
May or may not recommend
I needed an additional backup checking account for personal activities and contacted their customer care service. To my surprise, my account ready within the space of an hour. The service was cheap, reliable, and stress-free. Most amazingly, I've got this sense of inner peace knowing the organization to be a reputable brand that has set up remarkable records for years!
PC
Prodigee C.
Oct 23, 2020
May or may not recommend
BBVA is a household name in the finance industry, and they earned their name with a suite of exciting services. They offer good interest rates for an online checking account. They offer low cost of transactions. I also appreciate the zero- charge on maintenance. Splendid.
Showing 20 of 35 reviews
