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"Build-to-Order Free Checking" from BBVA Compass Bank
The Basics
Debit Cards & Using ATMs
This account includes the following debit card reward program options:
- 'CompassPoints Rewards' program to earn points for gifts and other items. There is no annual fee for this card;
- 'BBVA Compass Cash Back' puts money back into your account based on your debit card usage. There is no annual fee for this card, but this is an optional 'premium' feature.
- 'CompassPoints Rewards' program to earn points for gifts and other items. There is no annual fee for this card;
- 'BBVA Compass Cash Back' puts money back into your account based on your debit card usage. There is no annual fee for this card, but this is an optional 'premium' feature.
If you choose this 'premium' feature, you can receive rebates of any ATM fees you incur when you use a non-affiliated ATM.
You must provide copies of your ATM receipts to receive the rebates.
Rebates are credited to your account after your receipts are reviewed.
Non-affiliated ATM Usage Fee
$0.00
Free Non-Bank ATM withdrawals is an optional 'premium' feature. Otherwise, $2 per withdrawal. There's an additional fee of 1% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- The bad news that your account balance is below $0;
- Daily balance updates.
- The bad news that your account balance is below $0;
- Daily balance updates.
Online Billpay
Free
This institution supports:
- A text messaging service to view account balances, view recent activity, transfer funds;
- An iPhone application to view account balances, view recent activity, transfer funds, and locate ATMs.
- A text messaging service to view account balances, view recent activity, transfer funds;
- An iPhone application to view account balances, view recent activity, transfer funds, and locate ATMs.
There is a $1.00 transaction fee each time you use the automated telephone banking service after the first 15 transactions per month.
You can access your transaction history directly through Quicken, Quicken for Macs, and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
Electronic Statements
Yes
Images of cancelled checks can be viewed online for 400 days.
Overdrawing the Account
The Insufficient Funds Fee is $38.00 per overdraft.
This checking account has two options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $12.00, charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $12.00, charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a Line of Credit:
- Transfer fee of $12.00, charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $12.00, charged per day;
- Funds are transferred to bring the account balance to $0.00.
Savings and Money Market Accounts
'Basic Savings' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $4.00. This fee can be waived if you:
- Maintain a minimum balance of $500.00;
- Schedule an automatic transfer of $25 or more from your checking account to this account.
- Maintain a minimum balance of $500.00;
- Schedule an automatic transfer of $25 or more from your checking account to this account.
'Compass Preferred Money Market' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.30% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you:
- Maintain a minimum balance of $10,000.00;
- Schedule an automatic transfer of $25 or more from your checking account to this account.
- Maintain a minimum balance of $10,000.00;
- Schedule an automatic transfer of $25 or more from your checking account to this account.
How does BBVA Compass Bank Compare?
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