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  BBVA Premium Checking

BBVA Premium Checking

in Checking Accounts from BBVA · Member FDIC

Claimed

BBVA Premium Checking

Claimed

in Checking Accounts from BBVA · Member FDIC

Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0 - $19
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $4,000
APY (Annual Percentage Yield) 0.05%

BBVA Premium Checking Review

BBVA Premium Checking is offered by BBVA, a bank founded in 1964 and based in Birmingham, AL. BBVA Premium Checking is available in 41 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only .05%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $19, but the fee is waived if you keep a minimum balance of $4,000, have a monthly direct deposit of $4,000, or $4,000 combined balance accross eligible accounts..
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. BBVA Premium Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through BBVA.
  • Hard credit pull. BBVA may require a hard pull on your credit report to open a checking account.
BBVA Premium Checking Pros & Cons
Pros Cons
  • Available in 41 states.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
BBVA Premium Checking FAQ

Are checking accounts from BBVA federally insured?

Yes, your BBVA checking accounts are insured up to $250,000 per person 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 Premium Checking offer?

BBVA Premium Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

BBVA Premium Checking offers an APY of .05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for BBVA Premium Checking?

BBVA Premium Checking requires a minimum initial deposit of $25 to open an account.

BBVA Premium Checking Account Minimums
Description Amount
Minimum Initial Deposit $25
Minimum Combined Balance to Avoid Monthly Fee $4,000
Minimum Direct Deposit to Avoid Monthly Fee $4,000
Minimum Balance to Avoid Monthly Fee $4,000

What fees does BBVA Premium Checking charge?

This account charges a monthly maintenance fee of up to $19.

BBVA Premium Checking Fees
Description
Monthly Fee $0 - $19
Paper Statement Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $3
NSF Fee $38
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $38
Early Account Closure $25
Returned Deposit Fee (Domestic) $15
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $25
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $45
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $25
Wire Transfer Fee - Domestic (Incoming) $15
ATM Reimbursement Monthly Limit N/A

What features and perks does BBVA Premium Checking offer?

This account includes the following features:

  • Fraud monitoring - BBVA Premium Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - BBVA Premium Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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.

Availability

  Available in 41 states
  • Arkansas
  • Delaware
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $4,000
Minimum Direct Deposit to Avoid Monthly Fee $4,000
Minimum Initial Deposit $25
Minimum Balance to Avoid Monthly Fee $4,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $19
NSF Fee $38
Overdraft Item Fee $38
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $3
Bank Account Features
  • No ATM Fees
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05%

BBVA Premium Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+100%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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