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BBVA Business Choice Checking Account Disclosure | Florida | BBVA

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BBVA Business Choice Checking Account Disclosure | Florida | BBVA BBVA Business Choice Checking Account Disclosure - Florida Minimum $100 Opening Deposit Monthly $15 Service Charge Requirements 1) A minimum average daily collected balance of $5,000 per to avoid month; or monthly 2) $5,000 or more in monthly merchant processing with BBVA; or Service Charge 3) Enrollment in BBVA For Your Causeâ„ (subject to eligibility) Interest- No Bearing ATM Fees $0 For using an ATM in BBVA USA's ATM network Charged by BBVAUSA $3 For using an ATM outside of BBVA USA's ATM network Early Account $25 If account closed within 180 days of opening Closing Fee Stop $32 Per request made in a branch or by telephone to stop payment of Payment Fee an item ACCOUNT OPENING AND USAGE $25 Per request made online to stop payment on a check Excess $0.50 Excess Transaction Fee will be charged for each transaction 1over Transaction the monthly limit of 250. An additional 250 transactions (total of Fee 500 per month) available as a Premium Feature. Branch Cash $0.003 $10,000 in cash processing per month at no charge. An additional Deposit Fees $5,000 per month available as a Premium Feature. A charge of $0.003 will apply for each dollar deposited above the $10,000 monthly cash processing limit. For example, if you deposit $1,000 more than your monthly limit, you will be charged a $3.00 Branch Cash Deposit Fee. Paper $3 Per statement cycle to receive monthly statements by mail. These Statement statements will not include images of cancelled checks. You can Fee avoid the Paper Statement Fee by turning off paper statements and receiving your account statements electronically through Online Banking. Online Banking customers will automatically receive PDF copies of their monthly statements, and can view images of cancelled checks, through Online Banking at no additional charge. Image $5 Per statement cycle for statements that include images of Statement cancelled checks. Fee Other Service Please consult your Miscellaneous Fee Schedule for a list of Fees additional service fees. Premium $10 Select 2 Premium Features at no additional charge. Additional Premium Features each Features may be selected for a fee of $10 per feature per month. This fee will be referred to as a "Premium Features Chg" on your monthly account statement. Premium Features Include: • Additional 250 transactions per month (total of 500 items) • Additional $5,000 per month in cash processing (total of $15,000) • Unlimited returned deposited items per month • One Free Wire Per Month. This feature will be applied to the highest- priced wire in a given month. This feature does not apply to wires that take place throughBBVA Net Cash or Online Banking. • One Overdraft Fee Forgiveness Refund per Year. Applies to one NSF Charge-Paid Item or NSF Charge-Returned Item. The Overdraft Fee Forgiveness Refund features must be redeemed before the Account PREMIUM FEATURES Anniversary occurring immediately after this feature is selected or it will be forfeited; this feature does not accrue or carry forward to subsequent years. Once you redeem this feature, it will remain a selected feature until the Account Anniversary. You may cancel this feature after the Account Anniversary before you redeem it in the next year. If you select other features during the year, and have redeemed the Fee Forgiveness Refund feature, they will be in addition to this feature. This feature may not be used for forgiveness of Extended Overdraft Service Charges. Additional The "Premium Features Chg" will reflect the highest number of features Information selected during the given month, regardless of the number of days the Regarding features were in effect. Premium Features The "Premium Features Chg" will be incurred on the day the statement is generated. With the exception of the One Overdraft Forgiveness Refund per Year feature, Premium Features will not take effect until the first business day of the following month. Fee to Use BBVA USA ATMs $0 for using BBVA USA ATM to complete any transaction BBVAUSA Fee to Use Another Bank's $3 per transaction+ ATM +ATM and/or service fees charged by other banks and ATM owners may also apply. ATM FEES International Service Fee (ATM) 1% of transaction amount International Service Fee (non-ATM) 3% If account closed within 180 days of opening International Transactions are those transactions using your ATM or Debit 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/Debit Card Agreement. Insufficient $38 Per returned item presented against insufficient funds Funds Charge (NSF) - Returned Item Deposited $12 For each item that you deposit or cash that is rejected by the payor bank Item ($25 for foreign items) Returned Fee Insufficient 38* Per overdraft item covered by the bank Funds Charge *NSF Charge – Paid Item Fee is not charged on an item that causes the (NSF) - OVERDRAFT FEES Paid Item available balance on your account to be overdrawn by $1.00 or less. Extended $23 Assessed if your account is overdrawn by more than $1.00 for seven Overdraft consecutive calendar days. An additional $23 Extended Overdraft Service Service Charge will be assessed for every seven consecutive calendar Charge 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. This Charge is in addition to any Insufficient Funds (NSF) fees you may incur as a result of items being presented against insufficient funds. The best way to avoid unexpected fees is to always make sure that your Available Balance is sufficient to cover any transaction before you make it. BBVA offers a variety of services (complimentary or fee- based) to provide you with useful tools, account accessibility and peace of mind. Please consult your account disclosure for complete details. Posting Order We process and post transactions - both credits The order in which withdrawals and (including deposits) and debits - throughout the deposits are processed 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 ATM: same business When funds deposited to your account day as the day of deposit are usually available for deposits less than $5,525 and absent exceptional • circumstances - see the Account Direct deposit or wire transfer: same business Agreement for a detailed description of day as the day of deposit our policy. PROCESSING POLICIES • Check deposit with Teller or ATM: same business day as the day of deposit • Remote Deposit Capture: same business day as the day of deposit • If something causes a longer hold on a deposit, the first $225 of that deposit will generally be made available the same business day as the day of deposit. A "business day" is a non-holiday weekday. At branches, business days end at closing time and at ATMs business days end no earlier than 1 pm. Remote Deposit Capture business days end at 8 pm CST. Dispute If a dispute arises between us, you or we 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. 1Transaction means any credit or debit to your account, including but not limited to: checks, Debit Card transactions, ACH transactions, direct deposits, payment and deposit order, whether oral, written or electronic. Miscellaneous Fees and Charges This Fee Schedule provides additional fees relating to your deposit account. Please see the Non-Consumer Deposit Account Agreement, your Relationship Summary Form and the Non-Consumer Deposit Account Terms & Conditions for your account for more information. CASH PROCESSING SERVICES The following service charges apply to cash deposits processed at a branch or night depository. For high volume cash processing, Cash Vault services are available with pricing provided upon request. BRANCH/NIGHT DROP CASH PROCESSING Unprocessed Bags $1.00/ bag Deposit Adjustments $5.00 each Full Bag $2.50 each Partial/Mixed Bag $5.00 each Bag of Unstrapped Bills $5.00 each BRANCH OUTGOING CURRENCY Change Order $4.00 each Full Strapped Currency $0.45 each Partial Strapped Currency $0.50 each Box of Rolled Coins $3.50/ box Rolled Coin $0.15/ roll Supplies: (includes Deposit Bags, Currency Straps, Coin At cost Wrappers, Coin Tags, Coin Seals) COLLECTION SERVICES Collection Item Incoming (Customer) $20.00 Outgoing (Customer) $20.00 (all states except NM) $25.00 (NM only) International $20.00 + costs STATEMENT AND RESEARCH SERVICES Reconcile Statement $25.00/hour Research $25.00/hour Copy or Fax $3.00/each Special Statement* $7.00 *A special statement may include but not be exclusive to the following: daily statement, duplicate statements, hold statements and statement printouts. RETURNED ITEMS AND NOTIFICATIONS Special Notification - Telephone $8.00 ($11.00 for BBVA Business Savings accounts) Special Notification - Overnight $4.50 + courier charges (FedEx, etc.) Special Notification - Fax $10.00 Rerun Deposited Item $12.00 Notice of Postdated Item Fee $25.00/item (all states except NM) $28.25 (NM only) OTHER SERVICE CHARGES Business Personalized Debit Card Fee $10.00/card Deposit Correction Fee $2.50/item Frozen Account Status Fee
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