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  BBVA Free Checking Account
BBVA Free Checking Account
in Checking Accounts from BBVA · Member FDIC
Claimed

BBVA Free Checking Account

Claimed
in Checking Accounts from BBVA · Member FDIC
SuperMoney Net Recommendation Score +59  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +59, equating to 4.2 on a 5 point rating scale.

+59

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.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 17

BBVA Free Checking Account Review

BBVA Free Checking Account is offered by BBVA savings accounts, a bank founded in 1964 and based in Birmingham, AL. BBVA Free Checking Account are available in 7 states across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, BBVA Free Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No ATM fees. BBVA Free Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through BBVA.

BBVA Free checking Pros & Cons

Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest
  • Only available in 7 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

BBVA Free checking FAQ

Are checking accounts from BBVA federally insured?

Yes, your deposits 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 Free checking offer?

BBVA Free checking is not an interest-bearing account.

What are the account minimums for BBVA Free checking?

BBVA Free checking requires a minimum initial deposit of $25 to open an account.

BBVA Free Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $0

What fees does BBVA Free checking charge?

The good news is that this account does not have a monthly Service Charge.

BBVA Free Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $38
Overdraft Item Fee $38
Overdraft Protection Fee (per transfer) $12
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $25
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Image Service $5
Debit Card Replacement Fee $5
Early Account Closure $0

Does BBVA Free checking charge overdraft fees?

Yes, BBVA Free checking charges a $38 fee for every overdraft. You can get overdraft protection at a cost of $12 per transaction.

What features and perks does BBVA Free checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - BBVA Free 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 Free checking allows you to manage your money online or with a mobile app. This includes depositing checks 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 Free checking?

The customer support email for BBVA Free checking is abuse@bbvausa.com.

How do people rate the customer service and user experience of BBVA Free checking?

Overall, BBVA Free 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.

Availability

  Available in 7 states
  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • New Mexico
  • Texas

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $0
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $38
Overdraft Item Fee $38
Overdraft Protection Fee (per transfer) $12
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $25
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Image Service $5
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Automatic Transfers
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
  • Teen Checking Account
APY (Annual Percentage Yield) 0%

BBVA Free Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +59, equating to 4.2 on a 5 point rating scale.

+59

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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