BBVA Free Checking Account

You could save $144/yr with Free Checking

You can open an account with a $25 initial deposit. Account holders also have access to the Simply Cash Back program. The BBVA Free Checking account offers several add on features for additional costs

For $0/month, BBVA Free Checking Account offers more than just the basics:

  • award-winning mobile app,
  • great ATM network,
  • excellent customer service, and more!

You don't have to visit a bank to do your banking. Now your BBVA Free Checking Account is in your hands

securely on the bank's website

The BBVA Free Checking is a free checking account, packed with benefits, ranging from advanced digital tools, and free checks, to ATM-fee rebates, cashback rewards program, and many custom features at a fraction of the cost! With BBVA Free Checking account, it keeps you in control of your money using an award-winning Mobile Banking app, Online Banking, customizable alerts, Bill Pay, and full-service in-branch banking. 

With BBVA's great ATM network, you can use your Visa anywhere you go, while managing your budget on the go using BBVA's award-winning mobile app that gives you the freedom and flexibility to keep an eye on your account wherever and whenever.

You'll also earn cash back when you use your Visa to make purchases through online and mobile banking. You don't need to do anything in particular to enroll in the program, but select offers you're interested in to activate them. The cashback rewards program is completely free, and the offers you'll receive are tailored to your spending habits, meaning you'll get to earn rewards for things you'd buy anyway.

So, if you're looking for a checking account that offers valuable perks at no cost, you should definitely consider BBVA's Free Checking - just keep an eye on your balance to avoid overdraft fees.

Opening a BBVA Free Checking account is easy and can be done online, in a branch or over the phone. Once you have the account, you can add free BBVA Online Banking and BBVA Mobile Banking, plus Mobile Deposit® and Bill Pay. These BBVA services will give you the ability to easily manage your money virtually anywhere, putting you in control of your financial decisions.

Opening a BBVA Free Checking Account can be done on your computer, or smartphone. Once you select the BBVA Checking Account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required.

BBVA is available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

 

Checking account details

Checking account fees

  • Monthly Fee
    $0
  • APY
    0.00%
  • Minimum Deposit to Open
    $25
  • Out-of-Network ATM Transaction Fee
    $3
  • Out-of-Network ATM Withdrawal Fee
    $3
  • Overdraft Fee
    $38
  • Non-Sufficient Funds Fee
    $38
  • Foreign Transaction Fee
    3% (non-ATM) / 1% (ATM)

BBVA Free Checking Account FAQ

1. What documents do I need to provide to open a Free Checking account?

To open BBVA Free Checking Account you will need:

  • A valid government issued ID (a driver’s license, state issued ID with photo or a passport),
  • Social Security Number (for primary and joint account holder, if applicable),
  • $25 Minimum deposit (this deposit can be made from a debit or credit card, another bank, or an existing BBVA account).
2. Do I have to visit a branch to open a Free Checking?

You can do it online: once you select the checking account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required.

Opening a BBVA checking account can be done over the phone or in person

3. What are direct deposits?

Direct deposits allow you to access your funds faster than when depositing checks because money is transferred electronically. Besides, it's a more convenient and secure way to receive your payroll, retirement, pension or any kind of government payments. You don't need to go to the bank to deposit a check, and then wait until the check clears. In most cases, direct deposits are free.

4. Is Free Checking an interest-bearing checking account?

Free Checking, unlike Premium Checking, doesn't earn interest. If you'd like to open a Free Checking account, the best way to earn interest is to open a savings account along. This way, not only would you be able to earn interest, but also prevent going overdraft when you link your checking to your savings account.

5. Is Free Checking really free?

With Free Checking, you won't pay monthly maintenance fees, no BBVA USA ATM fees, no check writing fees, and no paper statement fees. Plus, digital banking tools and services (Online and Mobile Banking, our award-winning app), and a Visa debit card are all provided free of charge. However, other fees do apply, such as overdraft fees, in case you don't have a linked savings account to prevent overdrafts.

6. Is Free Checking FDIC-insured?

Yes, BBVA USA is an FDIC member, so you can rest assured that your deposits are insured against theft or bank failure. The amount insured goes up to $250,000.

7. Does the BBVA USA Mobile app support Popmoney®?

Yes, you can use Popmoney® to transfer and receive money within the United States using your mobile device. Do note that the service provider's fees may apply. Each time you send money, you will pay $0.95, but it's free to receive funds. You cannot use Popmoney® for international transactions.

8. Can I turn off paper statements?

With Free Checking, paper statements are free, but if you'd like to prevent paper waste, you can turn them off through Online Banking, by accessing the "Turn On or Off Paper Statements" link in the Online Banking Services box, from where you need to toggle the "Paper Statements" off, and save changes.

You can also turn off paper statements via the mobile app. Simply log in, tap the microphone at the top of the screen and say "Turn Paper Statements Off."

Remember to do so for each account if there are more accountholders.

9. How do I earn cashback?

You'll earn cashback through BBVA's Simple Cash BackSM rewards program, each time you use your BBVA debit or credit card to make purchases. The service is free of charge, and available through Online and Mobile Banking. You don't even need to enroll to use it, but only select offers from the Rewards Center in the Mobile Banking app or in your account detail page of Online Banking. You can browse from a variety of offers, which are tailored to your preferences and shopping habits. Once you've made a qualifying purchase, rewards will be automatically deposited in your account, but make sure to read the offers' details, as some conditions may apply.

10. What are the benefits of the BBVA ClearBenefits Program?

For only $4 per month, you can enjoy many benefits offered through BBVA's ClearBenefits Program. These benefits add an extra layer of protection and security, so you could bank and travel safely. They include:

  • Cell Phone Protection: 2 claims per year with up to $200 (less $50 co-payment) provided in case of theft or damage on up to 3 telephone lines.
  • Identity Theft Protection (Identity Theft Restoration and Identity Theft Insurance): In case of identity theft, your identity and credit account details will be restored to their pre-theft status. Identity Theft Insurance helps offset some of the costs of restoring your identity. There is also a dedicated identity restoration service available 24/7 to look into fraudulent activities, send out alerts to financial institutions, state agencies, and alike. Up to $1 million is available to cover wages, legal expenses, and defense costs for civil and criminal lawsuits.
  • In case you loose your wallet, Lost Wallet services helps you quickly cancel and replace all items in your wallet or purse, including credit or debit cards, Social Security cards, insurance cards, military identification cards, driver's license, passports, check books, and even traveler's checks.
  • Roadside Assistance Services: 3 paid services per year with a maximum benefit of $100 per service; available 30 days after enrollment.
  • $10,000 Accidental Death & Dismemberment: A cash payment given in case you suffer a covered injury while on business or pleasure, while your beneficiary receives $10,000 if you lose your life in an accident.

To enroll, you can visit a local BBVA USA branch or call 1-844-228-2872.

11. Will BBVA's review of my credit report when opening a checking account affect my credit score ?

Probably not. When you try to open a checking account, banks will usually do a "soft pull", meaning they check your credit, but it does not affect your credit score. Some banks may do a “hard pull”. But they usually only do this when you are requesting credit or a loan.

12. What do I need to apply for a BBVA Free Checking Account?

To apply for a BBVA Checking Account, you'll need the following information and documentation: Social security number, US drivers license or state ID number, and date of birth You'll also need to confirm that you are: A US citizen and permanent resident 18 years or older If you are opening the account with someone else, also known as opening a joint account, they’ll need this information and documentation as well. You’ll need a minimum deposit of $25 to open a BBVA checking account.

13. What is a pending transaction or hold?

Pending transactions are transactions that have been authorized and deducted from your available balance, but have not been received and posted to your account. Pending transaction amounts submitted by a merchant may be more or less than the amount that will post to your account. A hold on a deposit/check is when the funds are not immediately available, and can be placed on deposits/checks for a variety of reasons.

14. What are the numbers on checks from BBVA Checking?

The numbers at the bottom of the check are, in order, the bank routing number, your account number, and the check number. Typically, the check number also appears in the upper right-hand corner of the check.

15. How do I link my BBVA checking and savings accounts?

If you have both a BBVA checking and savings account, you can easily link your accounts via Online Banking, Mobile Banking, or telephone banking. You can also come into a branch and have a representative link your accounts. To link your savings account to your checking account for overdraft protection purposes, you can stop by any branch or call 1-844-228-2872.

16. What is the routing number for my BBVA Checking account?

A routing number identifies the bank and state your money is coming from. The routing number is basically an electronic address for bank transactions made among financial institutions in the United States. It’s also known as a ABA RTN or American Bankers Association Routing Transit Number.

17. How do I write a check from my BBVA Checking account?

Write the date on the line above the word DATE. Where you see PAY TO THE ORDER OF, write the name, company, or entity to which you are paying. In the blank space with the word DOLLARS spell out the payment amount, for example: Three hundred sixty-four and 25/100. In the box above the word DOLLARS, you will write the payment amount in numbers beside the dollar sign ($) symbol, for example: 364.25. In the lower left-hand corner is an optional space for any details you want to include. In the lower right-hand corner you will sign your name as it appears on your account information.

18. What is an online checking account?

An online checking account, or online banking, is a digital service that lets you manage and monitor your checking account online from a computer, tablet or smartphone. One of the main advantages of online checking is that it allows you easy access to up-to-date information on your account, such as your current balance. You can also use online checking to pay bills and transfer funds from another linked account.Online account includes a debit card and is meant to be combined with a mobile banking feature that lets you access your account from your phone. These features are available with BBVA Free Checking. All BBVA checking accounts including BBVA Free Checking offer online checking.

19. Where is a check number I get from BBVA Checking located?

Your check number appears in two places on your checks: 1. In the top right-hand corner of your check 2. On the bottom right-hand side your check, separated from your account number by the ⑈ symbol

20. What is the check number and where is it on my checks from BBVA checking?

The check number helps you keep track of the checks you write. Your checks are numbered in sequential order, for example: “1001,” “1002,” and so on. This helps you keep track of whether a check is missing or still needs to be processed by your bank.

21. How do I open a BBVA Checking Account?

Opening a BBVA checking account can be done on your computer or smartphone. Once you select the BBVA Checking Account you want, simply click the Open Now button to get started. The online form only takes a few minutes. Checking accounts are subject to approval, which may included credit approval. $25 minimum opening deposit required.

22. How do I switch to BBVA?

Once you’ve made the decision to switch to BBVA, you’ll need to open a BBVA Checking Account. Opening the BBVA Checking Account is easy and can be done on your computer or phone. To close your old account, ask the previous bank for an Account Closing Request Form. Any funds remaining in the account will be moved to your new BBVA Checking Account. If you need to also switch a direct deposit, request a Direct Deposit Form from your employer or the Social Security Administration. In addition, to make changing your direct deposit easier, consider ClickSWITCH, a direct deposit platform that allows users to change their direct deposit through their employer without filling out a paper form. ClickSWITCH interacts with the employer directly on behalf of the employee, either electronically or mail.

23. How do I request and activate my Debit Card?

To request a replacement BBVA Debit Card, you can use Online banking, Mobile banking app or call 1-844-228-2872. To activate a new BBVA Debit Card, call 1-866-676-1895, use the BBVA Mobile Banking app or visit a BBVA USA ATM with your PIN.

24. What if I overdraft my BBVA Free Checking Account?

If you overdraft your BBVA Free Checking account, there are two types of fees that could be charged. A Paid Item Overdraft Fee (NSF charge - Paid Item) is charged when a transaction exceeds your checking account's available balance but BBVA pays the transaction anyway. A Returned Item Overdraft Fee (NSF Charge - Returned Item) is when a transaction exceeds your checking account's available balance and the bank does not pay the transaction.
Also, If your account remains overdrawn by more than $1.00 for seven (7) consecutive calendar days, an Extended Overdraft Service Charge of $23 will be assessed. An additional $23.00 Extended Overdraft Service Charge will be assessed for every seven (7) consecutive calendar days that your account remains overdrawn by more than $1.00. A maximum of four Extended Overdraft Service Charges may be assessed per overdraft occurrence. This charge is in addition to any NSF fees you may incur as a result of items being presented against insufficient funds.
BBVA USA may, at it's discretion, authorize and pay overdrafts for the following types of transactions: (i) checks and other transactions made using your checking account number; and (ii) automatic bill payments. If you do not want BBVA to authorize and pay overdrafts arising from checks and other transactions made using your checking account number and from automatic bill payments, you must opt-out of our standard overdraft practices for these types of transactions.

25. Where are the fees with BBVA Free Checking?

BBVA Free Checking comes with no monthly service charge, no ATM fees when using BBVA USA ATMs, plus a Visa® Debit Card, Online Banking and Mobile Banking all free. When you open this account, you also get free unlimited check writing and free paper statements. When it comes to the typical monthly usage fees, free checking really does mean free at BBVA.

26. How do I earn interest?

Some checking accounts earn interest on your balance. Usually, that interest depends on maintaining a certain balance. Customers who would like to earn interest on checking, should consider BBVA Premium Checking. If you’re considering BBVA Free Checking, then the best way to start earning interest is to add a savings account. Savings also gives you the ability to add overdraft protection by linking your savings to checking.

27. How do I open an BBVA Free Checking Account and manage my money?

Opening a BBVA Free Checking account is easy and can be done online, in a branch or over the phone. Once you have the account, you can add free Online Banking and Mobile Banking, plus Mobile Deposit® and Bill Pay. These services will give you the ability to easily manage your money virtually anywhere, putting you in control of your financial decisions.

28. Hor do I transfer money from BBVA Money market account to my BBVA Checking Account?

You can typically transfer funds via BBVA Online Banking, per a telephone request, in person, by writing a check from your money market account to your checking account, or at an ATM. You can make unlimited in-person withdraws or transfers, but are limited to six withdrawals or transfers made in any other way.

29. What happens if I start BBVA Checking Account applicatio online but don't finish?

You can typically transfer funds via BBVA Online Banking, per a telephone request, in person, by writing a check from your money market account to your checking account, or at an ATM. You can make unlimited in-person withdraws or transfers, but are limited to six withdrawals or transfers made in any other way.

30. Can I transfer funds to my prepaid card from a BBVA Checking Account?

You cannot set up a direct transfer from your BBVA checking account to your BBVA ClearSpend account. However, you can use the debit card tied to your BBVA checking account to make deposits to your BBVA ClearSpend account.

31. How much does it cost to open a BBVA Checking Account?

BBVA does not charge to open a checking account, but a minimum deposit of $25 is required to open a free checking account. In addition to the free checking account, BBVA also offers a Premium Account with features such as cash back offers. However, there is a monthly service charge associated with this level of account. To find out more or to apply contact BBVA today! For a checking account with more features, and/or one that bears interest, you'll typically pay a monthly fee. The BBVA Premium Checking Account offers various tiered interest rates but requires a Monthly Service Charge.

32. How do I transfer money between my BBVA Savings and checking accounts?

For Online Banking transfers: Sign in to Online Banking. Click on the Payments & Transfers tab. Choose the account you want to move money from and click Next. Choose the account you want to send money to and click Next. Enter the transfer amount. Select the frequency. Click on the pop-up calendar icon to select the send date and click Next, then click Submit.
To transfer money in Mobile Banking: Sign into the BBVA Mobile Banking app. Select Payments & Transfers. Select Start a Transaction. Tap Select Account. Choose the account you want to move money from, and the account you want to send money to. Enter the transfer amount. Select the frequency. Select the date or date range for the transfer or transfers, then tap Submit

33. What is the account number on my BBVA Checking Account?

The account number on your BBVA check identifies your individual account. Whereas your routing number is specific to your bank and state, your account number is specific to you. Therefore, it's important to safeguard your account number against theft to prevent fraudulent charges.

34. What's the difference between BBVA Checking account and BBVA Savings account?

A BBVA Checking Account provides a secure place to keep your money while also making it easy to access your funds to pay monthly expenses. Most checking accounts offer multiple ways to move money, such as checks, ATM/debit cards, online transactions, mobile deposits, and more. A BBVA Savings Account is a place where you can safely keep money for a particular purpose. Most savings accounts come with ATM cards and pay a small amount of interest on your balance.

35. Can I apply for BBVA Checking Account online?

Yes, You can apply for a BBVA Checking Account online at bbvausa.com

36. How can I get in touch with BBVA customer service?

Customer Service and New Accounts
(Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas)
1-844-BBVA USA
(1-844-228-2872)

Customer Service and New Accounts
(other states)
1-866-5-DIGITAL
(1-866-534-4482)

Online and Mobile Banking Customer Service
1-800-273-1057

Mortgage Origination Inquiries  
1-888-8-LENDING
(1-888-853-6346)

Home Equity Loans and Home Equity Lines of Credit 
1-844-443-2282

Loan Customer Service 
1-800-239-1996

Automated Loan Payoff
1-800-239-1966

Credit Card Customer Service
1-800-239-5175

Investment Solutions Customer Service
1-800-239-1930

BBVA American Express Card Customer Service
1-844-622-2282

International (Mexico) Customer Service
001-866-342-2512

37. What Does BBVA Bank Offer?

BBVA Bank has a full array of banking solutions available to appeal to a wide range of customers including:

  • Savings accounts
  • Checking accounts : BBVA Free Checking Account, BBVA Online Checking Account, BBVA Premium Checking Account
  • Money market accounts
  • CDs
  • Credit cards
38. Can I open this account if I'm not a US citizen?

Yes, though you may need to call customer service to speak with a representative.

39. How do I get a BBVA Debit Card?

When you open a BBVA checking account, you will receive a BBVA debit card. f you’re already a BBVA customer and your debit card is about to expire, you should receive your new BBVA debit card in the mail about two weeks before your current card expires. 

40. What is a BBVA Visa® Debit Card?

BBVA Visa® Debit Card is a debit card with chip technology and cash back rewards. You can shop online or in-store with a BBVA debit card that helps keep you safe. With the BBVA  Debit Card, issued instantly with your BBVA checking account, you’ll enjoy peace of mind knowing your card is monitored 24/7 for fraudulent activity. BBVA Debit Card made of recycled plastic and featuring new contactless payment technology,

41. What is Simple Cash Back

Simple Cash Back is a rewards program which lets you earn cash-back rewards through merchant offers presented within Online Banking or and Mobile Banking. These offers are tailored to you based on relevance to your purchase history. You simply select or activate the offers which appeal to you and when you make a qualifying purchase for an offer the reward amount will automatically be awarded and deposited into your participating account.

42. What is a cost of Simple Cash Back?

There is no cost associated with Simple Cash Back. The program is a benefit of banking with BBVA.

43. What BBVA accouts are eligible for Simple Cash Back?

Simple Cash Back rewards are associated to specific accounts. If you have multiple accounts with Simple Cash Back offers, the offers for each card may vary based on the purchase history for that card. The offer details will determine which BBVA account, and associated card(s), is eligible for the offer and that card must be used to make the qualifying purchase. Only consumer BBVA credit and debit cards are eligible for Simple Cash Back. rewards are associated to specific accounts. If you have multiple BBVA accounts with Simple Cash Back offers, the offers for each card may vary based on the purchase history for that card. The offer details will determine which account, and associated card(s), is eligible for the offer and that card must be used to make the qualifying purchase. Only consumer credit and debit cards are eligible for Simple Cash Back.

44. Where Can I Find BBVA Bank?

ou can find BBVA branches throughout Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas

45. What are the advantages of BBVA Free checking account?

A  BBVA Free Checking account provides you with a way to pay bills. Checking accounts also provides you access to a debit card for making purchases at stores & online. You’ll also use the debit card to make ATM withdrawals. BBVA Free Checking Account have no monthly Service Charge and this account also comes with no ATM fees when using BBVA USA  ATMs.

Check out other BBVA USA checking account offers
Bank Monthly Service Charge Minimum Deposit to Open APY
BBVA Premium Checking Account $19 (can be waived) $25 0.05%
BBVA Free Checking Account $0 $25 0.00%
BBVA Online Checking Account $0 $25 0.00%
These Checking accounts might also interest you
Bank Monthly Service Charge Minimum Deposit to Open APY
Comerica Bank Rich Rewards® Checking Account $18 (can be waived / reduced) $50 0.01%
Comerica Bank Premier Checking Account $22 $50 0.01%
Comerica Bank Comerica Platinum Circle Checking® $0 $50 0.10% / 0.25%