Premium Checking Disclosure | Florida | BBVA

Premium Checking Account

Account Disclosure - Florida

Minimum $25 Deposit Needed to Open Account

Monthly $19 Service Charge (Monthly Fee)

Requirements N The monthly Service Charge will not apply for statement cycles to Waive /A when one or more of the following requirements are met: monthly Service Charge Receive one or more electronic Direct Deposit(s) of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government totaling $4,000 or more in a calendar month. Qualifying electronic Direct Deposits do not include payments received into you account from payment apps such as PayPal, Venmo and other similar payment service providers.

The account has an Average Daily Collected Balance* of at least $4,000, OR

You maintain a combined Average Daily Collected Balance of at least $15,000 in combined BBVA consumer deposit accounts (including CD)

The primary accountholder is enrolled in the BBVA Premier Personal Banking Program and maintains Premier Personal Banking status (Subject to eligibility. Balance requirements apply. Visit bbvausa.com for details).

The primary accountholder is a BBVA Global Wealth Client.

*Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. Collected Balance: is your account balance minus any funds you have deposited that have not been ACCOUNT OPENING AND collected from the financial institution on which the deposited funds are USAGE drawn.

**Only consumer deposit accounts for which you are listed as the primary depositor (the depositor whose social security number is identified on the account) will be used in determining the combined deposit balance.

Interest- Yes 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. No charge for 2 transactions per statement cycle. PLUS,2 automatic rebates of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle.

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- $0 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 $0 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 $19

The monthly Service Charge will not apply for statement cycles when one or more of the following requirements are met: Receive one or more electronic Direct Deposit(s) of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government totaling $4,000 or more in a calendar month. Qualifying electronic Direct Deposits do not include payments received into you account from payment apps such as PayPal, Venmo and other similar payment service providers.

The account has an Average Daily Collected Balance* of at least $4,000, OR

You maintain a combined Average Daily Collected Balance of at least $15,000 in combined BBVA consumer deposit accounts (including CD)

The primary account holder is enrolled in the BBVA Premier Personal Banking Program and maintains Premier Personal Banking status (Subject to eligibility. Balance requirements apply. Visit bbvausa.com for details).

The primary account holder is a BBVA Global Wealth Client. *Average Daily Collected Balance: the average of all daily collected balances in your account during the statement cycle. 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.

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.

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.

The following chart shows the annual percentage yield and interest rate effective as of October 1, 2020. Interest rates and the annual percentage yield are variable and at our discretion, we may change the interest rate for your account at any time.Rates may change prior to funding and any interest being earned. To obtain current rate information, call 1-844-BBVAUSA or visitwww.bbvausa.com.

DAILY COLLECTED BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD

$0 to $9,999.99 0.010% 0.01%

$10,000 to $19,999.99 0.010% 0.01%

$20,000+ 0.010% 0.01%

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 $3per transaction for using an ATM outside of BBVA USA's ATM network. +

NoBBVA USA charge for 2 transactions per statement cycle. PLUS, 2 automatic rebates of other banks' ATM fees per statement cycle; rebates will be credited to your account at the end of each statement cycle.

+Service fees charged by other banks and ATM owners still apply; 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.

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 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 $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 No ChargeBBVA USA Transfers funds from customer designated account to cover potential overdrafts in checking account

Overdraft Protection Fee $0per 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 1personalized Debit Card per accountholder at no additional charge;$10for each additional 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) No additional charge

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 $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.

Complimentary BBVA Money Market

Upon request, the primary accountholder of a Premium Checking account will receive a waiver of the monthly Service Charge for one BBVA Money Market account. Primary accountholder of the Premium Checking account also must be an accountholder on the BBVA Money Market account in order to receive the waiver.

Important Information about the $400 Account Opening Bonus

How to Qualify for the $400 Checking Bonus: You must:

• Be the primary BBVA account holder who received this promotional offer by email or direct mail

• Open a new BBVA Premium Checking Account by April 10, 2021

For accounts opened in branch, online or by calling 1-844-BBVA USA, eligible accounts include BBVA Premium Checking and BBVA Easy Checking. BBVA Premium Checking and Easy Checking only available in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas.

• You must receive a qualifying direct deposit of at least $2,500 by June 15, 2021.

A qualifying direct deposit is a recurring paycheck, pension or government benefits (such as Social Security) from your employer or the government. 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 other one-time economic stimulus payments such as financial assistance made available under the CARES Act or any other financial assistance made available in express response to the COVID-19 pandemic. If more than one Direct Deposit is received before June 15, 2021 at least one Direct Deposit must be in the amount of at least $2,500.

• 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.

• The promo code 0321PREM must be applied at account opening for accounts opened in branch and the promo code 0321OLPREM must be applied at account opening for accounts opened online.

Other Information:

Accounts must be open and in good standing 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.

If qualifications are met, you will receive your bonus by August 15, 2021. Only one bonus can be earned by each customer. These bonuses are not combinable with other BBVA Direct Deposit cash bonus promotions, and you may not have received a Direct Deposit bonus in the past 36 months. 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.

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. 03/2021

© 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.