0

There are three Overdraft Payment and Protection Programs available: 1) Linked Account Overdraft Sweep Service - links BBVA savings, money market or secondary checking account to the BBVA checking account to cover overdrafts. This entails a once-daily transfer fee of $12 USD for each day the bank makes one or more transfers, charged to the primary account. 2) Overdraft Protection Line of Credit - links an unsecured revolving line of credit to the BBVA checking account to cover overdrafts. This option requires a once-daily fee of $12 USD for each day the bank makes one or more advances from your ODP line of credit and may be subject to a 21% APR. Covers overdrafts up to your credit limit. Finance costs and interest will be charged from the transaction date (no grace period). 3) Courtesy Overdraft Option - when activated, BBVA may, at their discretion, authorize the payment or pay for transactions into overdraft if there are insufficient funds in the checking account. If the bank covers the payments, a $38 USD fee will be charged for each item that is paid into overdraft, up to a maximum of six (6) items per day, although it will not apply on items that will overdraw the available balance on the account by $1 or less. The $38 fee may be charged even if the bank chooses not to pay a transaction into overdraft. Maintaining a negative account balance may entail an extra charge of $25. You can opt-out of this program anytime.

BBVA ClearBenefits Program - provides various benefits for $4 per month: 1) $10,000 accidental death and dismemberment 2) Cell phone protection - pays up to $200 (minus $50 co-payment) if theft or damage occurs if the monthly cell phone bill is paid for with the BBVA checking account. 3) Identity theft restoration, available 24/7. 4) Identity theft insurance of up to $1,000,000. 5) Roadside assistance services, available 24/7. One free BBVA Visa Debit Card per account holder, which will give him or her access to the free Simple Cash Back program. To participate, the debit card holder activates a cash back offer through mobile or online banking and will earn cash back after he or she makes the qualifying purchase.