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BBVA Easy Checking Texas | BBVA Easy Checking Account Account Disclosure - Texas Minimum Deposit $25 Needed to Open Account Monthly Service Charge $13.95 (Monthly Fee) 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 network. Insufficient Funds (NSF) $38 Per returned item presented against insufficient funds Charge - Returned Item (see maximum penalty fee number below) ACCOUNT OPENING AND USAGE Deposit Item Returned $15 For each item that you deposit that is rejected by the Fee 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 Closing Fee $25 If account closed within 180 days of opening Dormant Account Fee $5 Per statement cycle Other Service Fees Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee 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: 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 penalty Number of and NSF fees per day, even if we elect to cover additional Overdraft overdrafts or return additional items. Penalty and NSF Fees per OVERDRAFT OPTIONS Day FOR CONSUMERS WITH DEBIT CARDS 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 than Overdraft $1.00 for seven consecutive calendar days. An additional Service $23 Extended Overdraft Service Charge will be assessed Charge (Extended for every seven consecutive calendar days that your Overdraft account remains overdrawn by more than $1.00. A Penalty maximum of four Extended Overdraft Service Charges Fee) 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 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 ACCOUNT OPENING AND MAINTENANCE Minimum Opening Deposit $25 Monthly Service Charge $13.95 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. Dormant Account Fee $5 per statement cycle. Early Account Closing Fee $25 per statement cycle. The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening. EASY CHECKING ACCOUNT UPGRADE BENEFIT Once an account has been open for 12 months, and upon request by an account holder, a BBVA Easy Checking account can be upgraded to another BBVA consumer checking account if the following requirements are satisfied at the time of the upgrade request: (1) the BBVA Easy Checking account is in active status; and (2) the BBVA Easy Checking account has a positive balance. Upgrade requests can be done at a BBVA banking branch or by calling 1-844-BBVAUSA. 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 + +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 Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement. OVERDRAFT / INSUFFICIENT FUNDS FEES Insufficient Funds Charge (NSF) - Paid 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. Insufficient Funds Charge (NSF) - Returned Item $38 per item Extended Overdraft Service Charge $23 Assessed 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. STOP PAYMENT FEES Stop Payment Request (Branch/Phone) $32 per request Stop Payment Request (Online Banking)(checks only) $25 per request 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
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