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BBVA Money Market Account Disclosure | Texas | BBVA

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BBVA Money Market Account Disclosure | Texas | BBVA BBVA Money Market Account Disclosure - Texas Minimum $25 Deposit Needed to Open Account Monthly Service $15 Charge (Monthly Fee) Ways to avoid Daily Collected Balance of at least $10,000 in this account; monthly Service or Charge Have an automatic, recurring monthly transfer of at least $25 from a BBVA checking account to your savings account when the Service Charge would be assessed. Does the Yes Interest is earned on the entire account balance. For additional account earn interest rate and interest calculation information, see the interest? account disclosures and Relationship Summary Form. How often will Monthly statement be available? Excess $10 Charged for each withdrawal over 6 per statement cycle ACCOUNT OPENING AND Transaction Fee USAGE Insufficient $38 For each paid item presented against insufficient funds (NSF) Funds Charge- Paid Insufficient Funds (NSF) Charge – Paid Item Fee is not charged Item on an item that causes the available balance on your account to be overdrawn by $1.00 or less. Insufficient $38 For each returned item presented against insufficient funds (NSF) Funds Charge- Returned Item Deposit Item $15 For each item that you deposit that is rejected by the payor Returned Fee bank ($25 for foreign items) Stop Payment $32 Per request made in a branch or by telephone to stop payment Fee of an item $25 Per request made online to stop payment on a check Early Account $25 If account closed within 180 days of opening Closing Fee Other Service Please consult your account disclosure for a list of additional Fees service fees Certain withdrawal transactions from savings and money market accounts may result in the account being reclassified as non-interest bearing if limits are exceeded. The following withdrawal transaction types are limited to six (6) per month: transfers to another deposit account with BBVA or to a third party by means of a pre-authorized agreement, telephonic request, check, debit card, draft or similar TRANSACTION LIMITS order (including Online Banking transfers and sweep transfers from a savings or money market account). There is no limit on the number of withdrawal transactions from such accounts when made in person at a BBVA banking office or at an automated teller machine. Withdrawal transactions of any type in excess of the Excess Transaction Fee limit will be subject to a fee. 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 Hold Policy • Cash deposit with teller or at ATM - Same This is a summary and generally applies when business day as the day of deposit deposit amount is less than $5,525 - absent a deposit hold. See the Consumer Deposit • Account Agreement, Funds Availability Direct Deposit/wire transfer - Same PROCESSING POLICIES Disclosure, for a detailed description of our business day as the day of deposit 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 Full Terms & Conditions ACCOUNT OPENING AND MAINTENANCE Minimum Opening Deposit $25 Service Charge $15 per month Service Charge will not apply in statement cycles when: You maintain a minimum daily Collected Balance of $10,000 or more in your BBVA Money Market account; OR You have an automatic, recurring monthly transfer of $25 or more from a BBVA checking account to your BBVA Money Market account in effect at the time the service charge would be assessed. Statement Cycle Monthly Paper Statement Fee No additional charge Early Account Closing Fee $25 The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. Excess Transaction Fee $10 Excess Transaction Fee charged for each withdrawal transaction in excess of 6 per statement cycle HOW INTEREST IS EARNED ON YOUR ACCOUNT The daily balance method is used to calculate the interest on the account. This method applies a daily periodic rate to the daily collected balance in the account each day. For tiered rate accounts, the rate corresponding to your daily Collected Balance will be applied to your entire daily Collected Balance. Interest on deposits begins to accrue no later than the business day on which we receive credit for the deposit. Accrued interest that is credited to the balance in the account on the first business day of the following statement cycle. Accrued interest that is credited to the balance in the account begins to earn interest no later than the next business day and compounds with each statement cycle. If you close your account or convert your account to a non-interest earning account before accrued interest, if any, is credited, you will not receive the accrued interest. A taxpayer identification number will be required to earn interest on these accounts. 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. RELATIONSHIP PRICING INFORMATION Your relationship with BBVA will be reviewed at the end of each calendar month for the application of Relationship Pricing. At that time, the interest rate and APY applied to your account will be determined based on the Relationship Base Rate Chart, the Total Deposit Balance Rate Component chart and the Additional Relationship Rate Component chart (your “Relationship Rate”).Your Relationship Rate will be determined by adding the applicable Relationship Base Rate and the Rate Components together. Please see Additional Details about Relationship Pricing disclosure below for more information.Each Annual Percentage Yield (APY) in the charts below is current as of July 09, 2021. APY and interest rates are variable and subject to change at any time at our discretion. We may change any Rate Component at any time, which means your interest rate and APY may change. Relationship Base Rate Chart: Relationship Base Rate Chart: DAILY COLLECTED BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD Less than $10,000 0.010% 0.01% $10,000 to $19,999.99 0.010% 0.01% $20,000 to $49,999.99 0.010% 0.01% $50,000 to $99,999.99 0.010% 0.01% $100,000 to $249,999.99 0.010% 0.01% $250,000 to $999,999.99 0.010% 0.01% $1,000,000 to $2,499,999.99 0.010% 0.01% $2,500,000 to $4,999,999.99 0.010% 0.01% $5,000,000+ 0.010% 0.01% If you are a Wealth customer with a Private Banker or an International Relationship Manager, please use the Wealth Relationship Base Rate Chart below. Your Relationship Rate will be determined by adding the applicable Wealth Relationship Base Rate and the Rate Components together. Please see Relationship Review disclosure below for more information. Wealth Relationship Base Rate Chart (Wealth Customer Only): DAILY COLLECTED BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD Less than $10,000 0.010% 0.01% $10,000 to $19,999.99 0.020% 0.02% $20,000 to $49,999.99 0.020% 0.02% $50,000 to $99,999.99 0.020% 0.02% $100,000 to $249,999.99 0.020% 0.02% $250,000 to $999,999.99 0.020% 0.02% $1,000,000 to $2,499,999.99 0.020% 0.02% $2,500,000 to $4,999,999.99 0.020% 0.02% $5,000,000+ 0.020% 0.02% Relationship Pricing Components TOTAL DEPOSIT BALANCE RATE COMPONENT: Your Total Deposit Balance is determined by adding the Posted Balance in your consumer checking, consumer savings, consumer money market and CD accounts with the Bank at the time of relationship review.Accounts and relationships will be reviewed at the end of each month. See Relationship Review disclosure below. For money market accounts with multiple account holders, please note Joint Account disclosure below. TOTAL DEPOSIT BALANCE TIERS INTEREST RATE ANNUAL PERCENTAGE YIELD Less than $100,000 0.000% 0.00% $100,000 to $999,999.99 0.010% 0.01% $1,000,000 or more 0.020% 0.02% ADDITIONAL RELATIONSHIP RATE COMPONENT: Relationships eligible for the Additional Relationship Rate Component include: • Checking Account Component: If you have a BBVA checking account with a minimum end of month Posted Balance of $10,000.00. • Direct Deposit Component: If you have three or more Qualifying Direct Deposits totaling at least $15,000 in the last three months (each direct deposit must be at least $1,000). Direct Deposit may be to BBVA Consumer Checking, Consumer Savings or Consumer Money Market Account. Please see Qualifying Direct Deposit disclosure below. • Qualifying Consumer Lending Component: If you have one or more active Consumer loans or Consumer lines of credit with a total end of month outstanding balance of at least $10,000.00.$10,000.00; or a BBVA Mortgage Loan (Not lines) of any balance.
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