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Convenience Checking | Florida | BBVA Convenience Checking Account Account Disclosure - Florida Minimum Deposit $25 Needed to Open Account monthly Service $9 Charge (Monthly Fee) Requirements to The monthly Service Waive the monthly Charge will not Service Charge: apply for statement cycles when at least one of the following requirements are met: Receive one or more electronic Direct Deposit(s) of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government totaling $500 or more in a calendar month. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as PayPal, Venmo and other similar payment service providers. Maintain an Average Daily Collected Balance* of $1,500 or more in this account. *Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. Collected Balance: is your account balance ACCOUNT minus any funds you OPENING AND have deposited that USAGE have not been collected from the financial institution on which the deposited funds are drawn. Interest-Bearing NO ATM Fees Charged $0 For using an ATM in by BBVA USA BBVA USA's ATM network $3 For using an ATM outside of BBVA USA's ATM network No BBVA USA charge for 1 transaction per statement cycle. PLUS, 1 automatic rebate of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle. Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® or 7-Eleven® networks. ATM fees may apply to certain 7-Eleven locations in Oklahoma, Hawaii, and Alaska. All 7-Eleven ATMs with an FCTI contact sticker on the ATM are fee-free. Insufficient Funds $38 Per returned item (NSF) Charge - presented against Returned Item insufficient funds (see maximum penalty fee number below) Deposit Item $15 For each item that Returned Fee you deposit that is rejected by the payor bank ($25 for foreign items) Stop Payment Fee $32 Per request made in a branch or by telephone to stop payment of an item $25 Per request made online to stop payment on a check Early Account $0 If account closed Closing Fee within 180 days of opening Other Service Fees Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee Option A: (Default) No Overdraft Service If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you. Option B: Linked Inter-Account $12 Per day in which an Account Overdraft Transfer Fee overdraft is covered Sweep Service (Overdraft Transfer by a transfer from a Fee) linked savings account. Option C: Overdraft Overdraft Protection $12 Per day in which an Line of Credit* Fee (Overdraft overdraft is covered Transfer Fee) by a transfer from a linked line of credit (subject to approval, including credit approval) Option D: Courtesy Insufficient Funds $38 Per overdraft item Overdraft Option Charge - Paid Item Fee covered by the bank (Overdraft Penalty Insufficient Funds Fee) (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less. Maximum Number of 6 You will only be Overdraft Penalty and charged this number NSF Fees per Day of overdraft penalty and NSF fees per day, even if we elect to cover additional overdrafts or return additional items. Minimum Amount An overdraft item that causes the available balance Required to Trigger on your account to be overdrawn by more than an Overdraft Penalty $1.00 will cause you to incur an overdraft penalty Fee fee. OVERDRAFT OPTIONS FOR CONSUMERS WITH DEBIT CARDS Extended Overdraft $23 Assessed when your Service Charge account is overdrawn (Extended Overdraft by more than $1.00 Penalty Fee) for seven consecutive calendar days. An additional $23 Extended Overdraft Service Charge will be assessed for every seven 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. You will not be assessed an Extended Overdraft Service Charge if the overdraft is solely attributable to ATM and everyday debit card transactions and you are opted out of our Courtesy Overdraft Option, meaning you do not want BBVA USA to authorize and pay overdrafts on these types of transactions. This Charge is in addition to any Insufficient Funds (NSF) fees you may incur as a result of items being presented against insufficient funds. * An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions. Posting Order We process and post transactions - both The order in which withdrawals and credits (including deposits) and debits - deposits are processed throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity. Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day. Summary of Our Deposit • Cash deposit with teller or at ATM - Hold Policy Same business day as the day of This is a summary and generally applies deposit when deposit amount is less than$5,525 - absent a deposit hold. See the • Consumer Deposit Account Agreement, Direct Deposit/wire transfer - Same Funds Availability Disclosure, for a business day as the day of deposit detailed description of our deposit hold PROCESSING POLICIES policy. • Check deposit with teller or at ATM - same business day as the day of deposit • If something causes a longer hold on a deposit listed above, the first $225 of that deposit will generally be made available the same business day as the day of deposit • Mobile Deposit - Within 5 business days or less. Date displayed in mobile application. A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs, business days end no earlier than 8:30 p.m. Dispute Resolution Agreement If a dispute arises between us, either party may require that it be resolved through arbitration, rather than through DISPUTE RESOLUTION jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details. Full Terms & Conditions ACCOUNT OPENING AND MAINTENANCE Minimum Opening Deposit $25 Monthly Service Charge $9 Statement Cycle Monthly The monthly Service Charge will not apply for statement cycles when at least one of the following requirements are met: Receive one or more electronic Direct Deposit(s) of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government totaling $500 or more in a calendar month. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as Paypal, Venmo and other similar payment service providers. Maintain an Average Daily Collected Balance* of $1,500 or more in this account. *Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. Collected Balance: is your account balance minus any funds you have deposited that have not been collected from the financial institution on which the deposited funds are drawn. Statement Cycle Monthly Paper Statement Fee $3 per statement cycle The Paper Statement Fee will be assessed in the following statement cycle. For example, the Paper Statement Fee for the January statement will be assessed in February and will appear on the February statement. How to Avoid the Paper Statement Fee You can avoid the Paper Statement Fee by turning off your paper statements and receiving your account statements electronically through Online Banking. Early Account Closing Fee $0 The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. ATM FEES Fee to Use BBVA USA ATMs $0 for using BBVA USA ATM to complete any transaction. BBVA USA Fee to Use Another Bank’s ATMs $3 per transaction for using an ATM outside of BBVA USA's ATM network. + No BBVA USA charge for 1 transaction per statement cycle. PLUS, 1 automatic rebate of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle. +Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the Allpoint® or 7-Eleven® networks. ATM fees may apply to certain 7-Eleven locations in Oklahoma, Hawaii, and Alaska. All 7-Eleven ATMs with an FCTI contact sticker on the ATM are fee-free. International Service Fee (ATM) 1% of transaction amount International Service Fee (non-ATM) 3% of transaction amount International Transactions are those transactions using your ATM or Debit Card initiated in person, online, or via telephone with a party located or who processes transactions outside of the United States, even if the transactions are initiated within the United States and/or in US dollars. A full description of the currency conversion process is contained in your ATM/Debit Card Agreement. OVERDRAFT / INSUFFICIENT FUNDS FEES Insufficient Funds Charge (NSF) - Paid Item $38 per item* Insufficient Funds Charge (NSF) - Returned Item $38 per item *Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.
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