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BBVA Free Checking Account

in Checking Accounts from BBVA · Member fdic

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BBVA Free Checking Account

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in Checking Accounts from BBVA · Member FDIC

SuperMoney Net Recommendation Score +53

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +53, equating to 4.1 on a 5 point rating scale.

+53

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

11 users recommend
1 user is unsure
3 users don't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0%
Number of Reviews 15

BBVA Free Checking Account Review

BBVA Free Checking Account is offered by BBVA, a bank founded in 1964 and based in Birmingham, AL. BBVA Free Checking Account is 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 a monthly Service Charge.
  • 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.
  • 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 Free Checking Account 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 Account 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 Free Checking Account offer?

BBVA Free Checking Account is not an interest-bearing account.

What are the account minimums for BBVA Free Checking Account?

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

BBVA Free Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $25

What fees does BBVA Free Checking Account charge?

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

BBVA Free Checking Account Fees
Description
ATM Fee: In-Network $0
Check Image Service $5
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $38
Online Bill Pay Fee $0
Overdraft Item Fee $38
Overdraft Protection Fee (per transfer) $12
Paper Statement Fee $0
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
ATM Fee: Out-of-Network $3

Does BBVA Free Checking Account charge overdraft fees?

Yes, BBVA Free Checking Account charges a $38 fee for every overdraft fee.

BBVA Free Checking Account offers overdraft protection at a cost of $12 per transaction.

What features and perks does BBVA Free Checking Account 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 Account 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 Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - BBVA Free Checking Account 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 Account?

The customer support email for BBVA Free Checking Account is nathaniel.karp@bbvausa.com.

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

Overall, BBVA Free Checking Account is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Check Image Service $5
Debit Card Replacement Fee $5
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
ATM Fee: Out-of-Network $3
Bank 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
  • FDIC Member
  • Teen Checking Account

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 +53, equating to 4.1 on a 5 point rating scale.

+53

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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