BBVA Easy Checking Florida | BBVA

Easy Checking Account

Account Disclosure - Florida

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 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 $28.25 per 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.

Important Information about the $250 Bonus

Details for the $200 Checking Bonus:

$200 Bonus by opening a new qualifying checking account between April 12 - 26 and set up and receive at least one (1) qualifying Direct Deposit of at least $500 by June 30, 2021. If more than one Direct Deposit is received before June 30, 2021, at least one Direct Deposit must be in the amount of at least $500. For accounts opened online, eligible accounts include BBVA Free Checking and BBVA Easy Checking. BBVA Free Checking and Easy Checking are only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

For accounts opened in branch or by calling 1-844-BBVA USA, eligible accounts include BBVA Premium Checking, BBVA Convenience Checking (only available in Florida and California), BBVA Free Checking, and BBVA Easy Checking.

When applying for this special offer in branch, you must use the promo code SB2021. When opening accounts online, you must enter promo code SBOL2021 to be eligible.

A Direct Deposit is a recurring paycheck, pension or benefit (such as Social Security) from your employer or the government. If more than one Direct Deposit is received before June 30, 2021, at least one Direct Deposit must be in the amount of at least $500. The following deposits are not qualifying direct deposits: interest payments or transfers from your investment accounts; payments received from payment apps such as PayPal, Venmo and other similar payment service providers; tax refunds or one-time economic stimulus payments such as financial assistance made available in express response to the COVID-19 pandemic.

You must be a new BBVA consumer checking customer who has not had a BBVA consumer checking account open within the last 36 months or closed due to negative balance to be eligible for the bonus.

Details for the additional $50 Savings Bonus:

You must meet stipulations for the $200 Checking Bonus to be eligible for the $50 Savings Bonus.

$50 Bonus by opening a new qualifying savings account between April 12 - 26 and have a balance of at least $1,000 or more on June 30, 2021. For accounts opened online, the eligible account is BBVA Savings. BBVA Savings is only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

For accounts opened in branch or by calling 1-844-BBVA USA, eligible accounts include BBVA Savings, Build My Savings, and Young Savers.

The BBVA savings account holder must be an account holder on the new BBVA consumer checking account. You must be a new BBVA savings customer who has not had a BBVA consumer savings account in the past 36 months or closed due to negative balance.

Other Information:

Checking and Savings accounts are subject to approval which may include credit approval. $25 minimum opening deposit required.

Accounts must be open with a balance greater than or equal to $0.00 at the time of payment in order to receive the new account bonus(es). We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening.

BBVA Employees are eligible for each bonus. Workplace Solutions / BBVA For Your Cause clients are eligible for this offer. Only one bonus can be earned by each customer.

These bonuses are not combinable with other BBVA Direct Deposit or Savings Account cash bonus promotions, and you may not have received a Direct Deposit or Savings Account bonus in the past 36 months.

If qualifications are met, you will receive your bonus by August 31, 2021.

Offer subject to change at any time without notice. BBVA may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA to impose tax withholding of any sort will not be eligible for this bonus.

2021 BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC.

Rev. 04/2021 / #1000325

© 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.