BBVA Online Checking Account Disclosure: Texas

BBVA Online Checking Account

Account Disclosure - Texas

Minimum $25 Deposit Needed to Open Account

Monthly $0 Service Charge (Monthly Fee)

Requirements N No monthly Service Charge for this account. to Waive /A monthly Service Charge

Interest- No Bearing

ATM Fees $0 For using an ATM in BBVA USA's ATM network Charged by BBVA USA $3 For using an ATM outside of BBVA USA's ATM network.*

ACCOUNT OPENING AND *Service fees charged by other banks and ATM owners still apply; USAGE 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 $38 Per returned item presented against insufficient funds (see Funds (NSF) maximum penalty fee number below) Charge - Returned Item

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

Stop $32 Per request made in a branch or by telephone to stop payment of an Payment Fee 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 service Fees 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: 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

Paper Statement Fee $3per 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 $25 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 +

+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.