Free Checking Account Disclosure: Florida | BBVA

BBVA Free Checking

Account Disclosure - Florida

Minimum Deposit Needed $25 to Open Account

Monthly Service Charge $0 (Monthly Fee)

Requirements to Waive N monthly Service Charge /A

Interest-Bearing No

ATM Fees Charged by $0 For using an ATM in BBVA USA's ATM network BBVA USA

$3 For using an ATM outside of BBVA USA's ATM ACCOUNT OPENING AND network. USAGE Insufficient Funds (NSF) $38 Per returned item presented against insufficient funds Charge - Returned Item (see maximum penalty fee number below)

Deposit Item Returned Fee $15 For each item that you deposit that is rejected by the payor bank ($25 for foreign items)

Stop Payment Fee $32 Per request made online to stop payment on a check

$25 If account closed within 180 days of opening

Early Account Closing Fee $0 If account closed within 180 days of opening

Other Service Fees Please consult your account disclosure for a list of additional service fees Option A: No If you choose not to opt in to our Courtesy Overdraft (Default) Overdraft Option service or any other overdraft service, ATM and Service everyday debit card transactions that would cause an overdraft may be declined at no cost to you.

Option B: Inter- $12 Per day in which an overdraft is covered by a transfer Linked Account from a linked savings account. Account Transfer Overdraft Fee Sweep (Overdraft Service Transfer Fee)

Option C: Overdraft $12 Per day in which an overdraft is covered by a transfer Overdraft Protection from a linked line of credit (subject to approval, Line of Fee including credit approval) Credit* (Overdraft Transfer Fee)

Option D: Insufficient $38 Per overdraft item covered by the bank Courtesy Funds Overdraft Charge - Insufficient Funds (NSF) Charge – Paid Item Fee is not Option Paid Item Fee charged on an item that causes the available balance on (Overdraft your account to be overdrawn by $1.00 or less. Penalty Fee)

Maximum 6 You will only be charged this number of overdraft Number of penalty and NSF fees per day, even if we elect to cover OVERDRAFT OPTIONS Overdraft additional overdrafts or return additional items. FOR CONSUMERS WITH Penalty and NSF DEBIT CARDS Fees per Day

Minimum An overdraft item that causes the available balance on Amount your account to be overdrawn by more than $1.00 will Required cause you to incur an overdraft penalty fee. to Trigger an Overdraft Penalty Fee

Extended $23 Assessed when your account is overdrawn by more Overdraft than $1.00 for seven consecutive calendar days. An Service additional $23 Extended Overdraft Service Charge will Charge (Extended be assessed for every seven consecutive calendar days Overdraft that your account remains overdrawn by more than Penalty $1.00. A maximum of four Extended Overdraft Service Fee) 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 deposits credits (including deposits) and debits - 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 - Same Hold Policy business day as the day of deposit This is a summary and generally applies when deposit amount is less than$5,525 - absent a • deposit hold. See the Consumer Deposit Direct Deposit/wire transfer - Same PROCESSING POLICIES Account Agreement, Funds Availability business day as the day of deposit Disclosure, for a detailed description of our deposit hold 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 If a dispute arises between us, either party may require that it be resolved through Resolution arbitration, rather than through jury trial. Please see the arbitration and waiver of DISPUTE RESOLUTION Agreement 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 $0

Statement Cycle Monthly

Paper Statement Fee No additional charge.

As a BBVA USA Free Checking account holder, you can customize your account by adding Custom Features based on your personal financial needs. Each Custom Feature is available for an additional fee per Custom Feature per statement cycle. The Custom Features terms and applicable fees are listed below. CUSTOM FEATURES

1 ATM Transactions No BBVA USA fee for using another $5per statement cycle bank's ATM and up to four automatic rebates of ATM fees charged by other banks - maximum of four rebates per statement cycle.

1 Check Supply Unlimited Supply of Standard Checks $2 per statement cycle and 50% off other styles of your choice.

1 Cashier's Checks Unlimited Cashier's Checks. $2 per statement cycle

2 Safe Deposit Box 3 X 5 Safe Deposit Box. $3 per statement cycle

1ATM Transactions, Check Supply and Cashier’s Checks: These features can be selected and de-selected at a BBVA USA Banking Center or by calling 1-844- BBVAUSA. Selections are effective immediately. Feature cannot be de-selected for minimum of six (6) months from date of selection (for example, if a Custom Feature is selected on January 15, 2019, it can not be de-selected until July 15, 2019). The applicable Custom Feature fee will be assessed beginning with the first statement cycle that the feature is selected and ending when the feature is de-selected.

2Safe Deposit Box: Subject to availability. The Safe Deposit Box Custom Feature may be selected and de-selected only at the BBVA USA Banking Center where the Safe Deposit Box is located. The Safe Deposit Box Fee associated with the Safe Deposit Box must be auto debited from the BBVA Free Checking account. If the BBVA Free Checking account is closed, or if the Safe Deposit Box Fee is no longer auto debited from the BBVA Free Checking account, the rate associated with the Custom Feature will no longer be applicable for the Safe Deposit Box. Safe Deposit Box must either be closed or a new Safe Deposit Box lease agreement must be entered into at the BBVA USA Banking Center where the Safe Deposit Box is located.

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 +

+ATM and/or service fees charged by other banks and ATM owners still may also apply

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.

The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means.

Extended Overdraft Service Charge $23assessed when your account is overdrawn by more than $1.00 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.

Inter-Account Transfer Fee $12 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.

Overdraft Protection Fee $12 per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, including credit approval)

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.

STOP PAYMENT FEES

Stop Payment Request (Branch/Phone) $32 per item

Stop Payment Request (Online Banking)(checks only) $25 per item

DEPOSIT FEES

Deposit Item Returned $15 per item

Deposit Item Returned (Foreign) $25 per item DEBIT CARD FEES

Personalized Debit Card Fee $10 for each Personalized Debit Card

Replacement Card Fee $5 ($10 for Personalized Debit Card)

Rush Replacement Card Fee $50

OTHER STATEMENT FEES

Statement Upgrade Fee (Image Statement Fee) $5 per statement cycle

Special Statement $5 per statement cycle

A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts.

WIRE TRANSFER FEES (ALL FEES ARE PER TRANSFER)

Domestic:

Incoming (Customer) $15

Outgoing (Customer) $30

Outgoing Repetitive (Customer) $25

International:

Incoming (Customer) $15

Outgoing (Customer) $45

Confirmation:

Fax/Email $3

Mail/Phone $5 MISCELLANEOUS FEES

Cash Handling Fees:

Rolled Coin $0.10per roll

Strapped Currency $0.20 per strap

Bank Bags (Zipper) $5 per bag

Bank Bags (Locked) $20 per bag

Check Charges:

Temporary Checks $1each

Personal Checks Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary.

Cashier's Checks $10 each

Collection Items (all fees are per item):

Incoming $20

Outgoing $20

Non-Customer $25

Bond Coupon $5

International $20 plus costs

Deposit Fees:

Deposit Correction Fee $2.50 per item

Deposits to Closed Accounts $25per deposit

Legal Fees:

Garnishments, Levies, Court Orders $150 plus attorney fees

Reconcilement/Research Fees:

Reconcile Statement $25 per hour

Research $25 per hour

Copy of Fax $3 per page

TELEPHONE BANKING FEES

Staff-Assisted Call (over 5/month) $1 per call over 5 in a month

Telephone Transfer Fee $3 per transfer ONLINE AND MOBILE BANKING FEES

Online Banking No additional charge

Online and Mobile Bill Pay No additional charge

Mobile Banking No additional charge Message and data rates may apply - check with your wireless provider.

Applicable Fees and Service Charges

Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA USA accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama.

For additional terms governing your account, please consult the Consumer Deposit Account Agreement.

NOTE: The above-noted fees and service charges are not set bank-wide. These prices are driven by the competition in your local market.

Rev. 3/2021

© BBVA USA has been acquired by The PNC Financial Services Group, Inc., and is operating as an affiliate of PNC Bank, N.A. (“PNC”) until BBVA USA is merged into PNC, which is anticipated to happen later this year. Until then, BBVA USA will continue to offer independent products and services, which may include different product features, underwriting guidelines, terms, fees, and pricing. If you would like to learn more about PNC’s products, you can do so by visiting PNC. com.