Posted by William Charles on November 6, 2017
Bank Account Bonuses

Published on November 6th, 2017 | by William Charles

353

BBVA Compass – $200 Checking Bonus – Available Nationwide & Online



Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Nationwide
  • Direct deposit required: Yes, $300+
  • Additional requirements: None
  • Hard/soft pull: All recent DP say soft
  • ChexSystems: Unknown
  • Credit card funding: $5,000, no AmEx or Mastercard allowed (no credit card funding in branch). Only personal cards are allowed. Looks like you can also fund savings account for another $5,000.
  • Monthly fees: None
  • Early account termination fee: Yes, account must be kept open for one year
  • Household limit: One
  • Expiration date: November 20th, 2017

The Offer

Direct link to offer

  • BBVA Compass is offering a bonus of $200 when you open a new checking account and complete the following requirements :
    • Receive a direct deposit of at least $300 within 60 days of account opening



The Fine Print

  • You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
  • Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.
  • Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.
  • Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.
  • Offer is valid for accounts opened in branch, online, or by phone
  • Within sixty (60) days of account opening, at least one electronic direct deposit from an unrelated 3rd party (e.g. your employer or a government agency) in the amount of at least $300 must post to the new checking account.
  • The $200 cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees



If you live in AL, AZ, CA, CO, FL NM or TX then the best account to open is the BBVA Compass ClearChoice Free Checking as this has no monthly fees to worry about. Otherwise open the Clearconnect checking account which also has no monthly fees to worry about. There is a $3 fee on ClearConnect for paper statements, so make sure you opt for paperless statements.

Early Account Termination Fee

Account needs to be kept open for 12 months otherwise they reserve the right to deduct the bonus.

Our Verdict

Bonus definitely worth doing, they have had lots of $200 bonuses recently but they have required going in branch in specific states. This is the first one that can be done nationwide and is also available online. Because of that I will be adding it to our list of the best checking account sign up bonuses. It’s always nice to have a credit card funding available as well, but people have reported a lot of issues with this in the past. As always share your experiences in the comments below.

Big thanks to readers Maximillian W & Elena who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:



353 Responses to BBVA Compass – $200 Checking Bonus – Available Nationwide & Online

  1. Josh says:

    $5000 has been the credit card funding limit in the past, is it only $300 specific with this deal?

    • JS says:

      The Clear Connect just allowed me to fund an account with $5,000 via credit card.

      • L T says:

        Which card did you use, please? Useful for datapoints on what works 🙂

        • JS says:

          I lowered my CA limit on my CFU and then funded the account.

          The wording of the email was:
          “You recently initiated a request to make an initial deposit to your new account(s) with $5,000.00 from Visa, Credit Card. Unfortunately, we were unable to fund your new account(s) using your source account.”

      • Gerhardt says:

        I just funded Savings ($500 daily or $25 waiver) and Checking with $5,000 each with BOA Premium Rewards. Account was approved, but both accounts show $0 balance and BOA shows no purchase either. CA is $1.4K. Did you see any of the amounts go pending?

        • Ryan says:

          Check your email if they were able to fund the account with the CC. I tried using Premium rewards with my CA lower than my funding and it got denied.

          • Gerhardt says:

            I haven’t gotten an email about funding specifically, but did receive “Congratulations! Your application has been approved and your new BBVA Compass ClearChoice Free Checking account is open. Here’s what you need to know now:
            When will my deposit* be credited to my account? Credit or Debit card: 2-3 days”

            Hoping for the best!

        • Matt says:

          Same. No pending amounts on my credit card (Chase) and $0 in account. Very confusing.

          • marvin says:

            Im in same boat. funded with Bofa Premium rewards, no pending on card, 0 balance on checking. hopefully it shows up. needed it to meet my spending!

      • Thanks, will update post.

      • JS says:

        Update: I just got an email that my CC funding didn’t go through.

        • kirk says:

          awww! care to share some more info? what card? what was the wording?

          that was rather a quick ‘card funding declined’ email.

        • MP says:

          Same here. No pending charges or fraud alerts from Chase on CFU. I was rather close to my credit limit with the funding, though. Also, the email is saying I should mail a check for the specified amount to them, I imagine this is more of a suggestion than a requirement. BBVA’s call centers are closed right now, else I’d be working on fixing this.

  2. kevin says:

    Great bonus! It says maximum credit card funding is $5000 with Visa Debit Card, MasterCard Debit Card or Visa Credit Card

    • kirk says:

      + also states, BBVA Compass does not accept pre-paid or business cards for funding.
      *funds generally available in your new account within 48 hrs.

      welcome email shows this:
      “When will my deposit* be credited to my account? Credit or Debit card: 2-3 days
      Transfer from external account: 2-3 days
      Mailing a check: Generally within 5 days of receiving your check”

  3. PG says:

    Had serious trouble with the CC funding. Same screen just kept refreshing, but finally went to the message “we are reviewing your application” after trying with the 3rd cc. Tried different amounts and this time it was for $5k.

  4. Duke I. says:

    I have my mortgage with BBVA. I opened a checking account to get mortgage rate reduced. After a year, I requested to have the checking account closed in 2016. Today the account is still open with 13 cents despite my requesting it to be closed twice.

    BBVA customer service center seems to be understaffed. Expect a long wait time if you ever need to call them. If you send a message online it take them at least 7 days to respond.

  5. Ender says:

    What CC did you guys used? From DPs it looks like chase code it as purchase. So I guess Citi and BOA?

    • Jace says:

      Just opened the account online. I’m in TX and no HP as of yet. Funded with Penfed PowerCash card for $5k, called before to make sure it wasn’t flagged as fraud. Just received an email that the deposit was processed and accepted.

  6. Tom says:

    I have opened about 12 or so checking/savings accounts since February. Even though it’s possible that not all of these banks use ChexSystems, I am a little worried about my ChexSystems report causing problems for this particular opportunity.

    Quite interested to hear anyone’s experiences/problems with ChexSystems.

    Thanks all…

    • Jenn says:

      I’ve opened about 30+ accounts YTD and was approved

      • Tom says:

        Thanks Jenn!

        Also — almost forgot — I have all 3 major credit reporting agency accounts frozen right now.

        Anyone know which agency they use for the pull?

    • Duke I says:

      I opened 12 checking accounts since early October. I requested a copy of my Chexsytems report and there’s nothing negative in it. I need to spend $3000 on my NFCU card to get the $250 bonus. So I’m going to try to open a 2nd checking account with BBVA. I probably won’t get the bonus since they never closed my other checking account that was opened in 2015 and was supposed to be closed in 2016.

  7. Andrew says:

    Definitely not nationwide. Try entering Wisconsin in the application and see what happens.

  8. becoo says:

    Hmm..based on DJ’s comment in the AZ-specific promo, he/she got a hard pull: /az-bbva-compass-200-branch-checking-bonus/#comment-502282

    Can anyone else vouch for soft or hard pull? Thanks!

  9. Jenn says:

    Tried my Fifth Third Credit Card to fund and got declined. So I used a Visa Gift Card and that went through. Also called to confirm you don’t need to enter a promo code in the application

  10. olympia says:

    Anyone try a MC CC? Looking at double cash….

  11. Vince says:

    You can leave the promocode part empty then?

  12. Jon says:

    Funded both Checking and Savings with $5k each on CFU (cash advance set to $20 on each). Accounts are both open, however, no charges on my card yet.

  13. becoo says:

    Let me try this again..earlier comment with a link didn’t make it through. Comment 502282 from the earlier AZ-specific BBVA bonus reported “Just opened up a new account and got a hard pull on Experian” Can anyone else confirm soft or hard inquiry? Thanks!

  14. L T says:

    Tried but got a message that said they could not verify my identity. Called in and they mentioned it would only be able to opened in branch and not over the phone. Haven’t done that many bank accounts lately, maybe ~8 this year and no reports frozen, so not sure why it didn’t work out.

    • Timmy says:

      I’m wondering.. did you fund the account and if so was the money taken even after they were unsuccessful in opening?

    • Doodums says:

      i got the same message. i chose the Free checking and i’m in California. Player 2 got the same message. no history with BBVA Compass. really disappointed as this was a good way to meet my min spend.

      this error comes up after hitting next (so before CC funding).

  15. olympia says:

    I used CNB Crysal Infinite – there’s a current promo thatmight be targeted – 10,000 bonus points for $5k spend between 10/15/17 and 1/15/18.

  16. Don says:

    I think you have the Direct deposit required section mixed up with CC funding section.

  17. olympia says:

    Anybody going to roll the dice and try for more than one per household?

  18. Samwise says:

    Has anybody had success with Amex Serve for the direct deposit?
    Checked the data points on the master page and there weren’t any for Serve.

  19. KK says:

    Can someone explain the $5k funding with a debit card? How does this fit into the fine print “Within sixty (60) days of account opening, at least one electronic direct deposit from an unrelated 3rd party (e.g. your employer or a government agency) in the amount of at least $300 must post to the new checking account.”

  20. Jim says:

    Is it possible to use two different cards to fund the checking and savings accounts?

    • Matt says:

      I don’t think so. I’m actually glad you couldn’t, because the $5K is seemingly in limbo for everyone. I’m holding off on the savings account until that becomes clear (you can apply separately).

  21. jz says:

    The link for DD goes to CC funding.

  22. Mark says:

    My $5k BoA Travel Rewards Card charge was accepted but I received this notice. I applied for ClearConnect Checking and I live in Massachusetts.

    “Thank you for your application. Your application is currently under review. A BBVA Compass representative will be contacting you (usually within 24-48 hours) to discuss the application and request any additional information that may be needed.”

  23. Naga says:

    There is a maximum of one (1) bonus per household …. condition as well on the landing page …any DP on this? …

  24. Tom says:

    Application approved online, no problems, even though all 3 of my credit reporting agency accounts are frozen. Slightly surprised — I assume a soft pull should have failed if these accounts are frozen?

  25. When posting credit card datapoints, please only post if your account has actually been charged and then let us know if it shows up as a cash advance/purchase. Also it’s quite pointless asking for datapoints on things like multiple bonuses per household, usually people will just share these datapoints if they have them. Asking the same questions over and over just clutters the thread and makes actual information more difficult to find.

  26. Justin says:

    “Your application is currently under review. A BBVA Compass representative will be contacting you (usually within 24-48 hours) to discuss the application and request any additional information that may be needed.”

    My Chex is obliterated with inquiries. Will follow up when I hear more.

  27. Phil says:

    BOA declined the charge- incorrectly identified it as suspicious activity. I’m going to try to get them to run it again after verifying

    • Phil says:

      FYI BBVA will NOT re-run the credit card if it is declined

      • marv says:

        someone on reddit said the csr told him to just put in another application to fund it. I tempted to try this too because Bofa declined the charge on a fraud alert

      • TD says:

        Checking and savings opened and instantly approved online. Tried to fund with BOA Travel Rewards – triggered BOA fraud alert text message and BOA declined. I replied with approval, and BOA said OK, try again. But no way to try again. 45 minutes on phone this morning confirmed that reps – none in any department – can fund with a credit card. Online only, and only during initial application process. Of course, then I wouldn’t be a new customer anymore and I wouldn’t get the checking bonus.

  28. Vijay says:

    I just successfully opened the checking account with $5000 CSP CC and it went through and the account number showed up instantly. I like their website and the navigation’s they offered. I felt like I’m in Mars accessing their website. I plan to continue to bank with them just for their website experience.

  29. anthonyjh21 says:

    Was instantly approved and funded with $5k. I’m sure I have a ton of chexsystem and credit inquiries so it leads me to believe they’re not inquiry sensitive. I do have the amex card with them though and I’m in California so maybe that helps.

  30. ppsh says:

    I’m skeptical that it’s a soft pull. Reading between the lines, those reporting soft pull seemed to almost all had account relationship with BBVA previously, which might be why it went “soft” on them the second time around.

    Also, if Robinhood doesn’t qualify, other brokerage houses seem likely in the same boat. The DPs seem to suggest BBVA may have made a change disqualifying EFT/ACH from brokerage houses + Paypal between Aug and Oct 2017, such that nothing short of real DD would trigger the bogus.

  31. eclipsor says:

    anyone else having issues funding with citi? wont accept any amount, tried 500-3k while on the phone with citi and it won’t go through at all. both above and below my cash advance limit with them, really annoying

  32. Rab says:

    Looks like only US citizens can apply online?

  33. Matt says:

    Got the card declined email. I’m going to call tomorrow to see if they can run it again. Will update with a DP.

  34. Chris says:

    What counts as direct deposit for this bank?

  35. JuicyJosh says:

    BBVA has recently run state specific promos for this same $200. When I completed FL bonus I referred to the CA promo. Check these for relevant DPs.

    CA/CO – /bbva-compass-200-branch-checking-bonus-california/

    FL/AL – /fl-al-bbva-compass-200-branch-checking-bonus/

    AZ – /az-bbva-compass-200-branch-checking-bonus/

  36. Adam says:

    Is there a savings bonus currently active as well w/BBVA? That’d be awesome to do at the same time. You know sweeten the deal a bit, instead of just opening up a savings acct merely for CC funding.

  37. Cesar says:

    I wasn’t able to fund with my Citi Thank You Premier. Can confirm that Master Card credit card funding is now allowed.

    I was however able to fund with $5,000 on my Bank of America Rewards card. I received instant approval for the Free Clear Choice checking.

    Should be an easy bonus. Thanks for the tip!

  38. Matt says:

    I was able to find $5,000 using USAA Limitless cashback 2.5% Card. I did go on the app first and notify them of a 5,000 charge. It now shows as pending.

  39. Shane says:

    dp1: Attempted $5k funding with CNB infinite: declined
    dp2: $5k funding with Merril visa, successfully funded and got the funding approved email.

    • Shane says:

      Oh forgot to mention, the preauth on CNB shows MCC code 6012. Hmm.

      • olympia says:

        Hey Shane, did it immediately decline? I got the congrats screen and email with CNB but when I checked CNB’s site I saw that the charge was declined. I’m interested in understanding how you got the opportunity to try funding again. I’d like to replicate your success with the Merrill.

        Thanks for your help.

    • Mark Spivey says:

      No idea how you funded with Merril+. I got declined as it was posting as a cash advance.

      • Mark Spivey says:

        Nevermind. I’m a fucking idiot.

        I moved addresses recently and didn’t update my info on this card. However, I wasn’t helped by the Merrill rep who said the transaction was declined due to being a cash advance.

  40. Jay A says:

    This language under the “Next” button mid-application has me weary of a hard pull:

    Credit Report Use: By clicking the “Continue” button above, you authorize us to obtain and use a consumer credit report and other information about you and your financial condition in order to: (1) verify your identity; (2) determine your eligibility for the account; and (3) offer you enhanced or additional products and services.

    Thinking I’ll wait for some fresher data points on this one. Anyone have thoughts on this?

    • Shane says:

      I applied around an hour ago. No hard pull alerts yet and I have the usual monitors set up.

      • Jay A says:

        That’s good. Did you happen to see that same language on your application? A quick Google took me to Hustler Money Blogs list of soft vs hard and BBVA is listed as having a hard pull, but then again I don’t frequent that blog and can’t speak to their reliability.

  41. Jeff says:

    Does the DD have to be $300+ or can it be cumulative (i.e. $200, $100, etc)?

  42. JP says:

    hmm. which visa cards you guys using?

    • Vijay says:

      I’d recommend all of you to check whether your CC funding has gone thru as CA or purchase. I also just now got an email from BBVA that my CC funding was declined and when I checked with Chase just now, they said BBVA tried to process it thru CA and hence the system denied since I set my CA limit as $100.

  43. payyoutuesday says:

    Here is a checking account DP from Reddit that says that BBVA does NOT pull your Chexsystems report and did not perform a hard credit pull. It was a “phone/in branch” application. Not sure if online applications would be handled differently.

    Same post has a similar DP for an online savings account application.

    https://reddit.com/r/churning/comments/7ainz5/bank_account_bonus_week_of_november_03_2017/dpah6d5/

  44. John says:

    Applied and approved in AL. 15+ Chex in 8 months. Did not enter a promo code, funded $1400 with BofA card. Going to Ally transfer, WF, and Chase for DD. Wish me luck.

  45. ChurningFast says:

    Is there anyone here who was approved in a state where BBVA has no branches, in the northeast for example? Just applied in PA, received pending message. Also got an email saying they’ll manually review my app and get back in 24-48 hours. Curious to know if they’re doing this to all out-of-state apps.

  46. Kevin says:

    Opened the checking account tonight w/ $5,000 credit card deposit using my BoA Platinum Rewards card. Received confirmation that my opening deposit was processed a few hours after the application was approved.


    Your Opening Deposit Has Been Processed
    Item #: xxxxxxxxx
    Amount: $5,000.00
    From account: Visa, Credit Card
    From account number: #####################################xxx
    To account number: ######xxx

    My cash credit line is set to $5,400 and it has not been lowered since the temp authorization showed up, so I’m expecting it to post as a purchase.

  47. Superchurn says:

    DP:

    Tried to fund 5k with US Bank Cash+ Visa with CA limit set to 0 (i know, i know, but I’m not currently working on any new Visa cards and don’t have CA limits of 0 on any other visas ), and it didn’t fail. The charge also hasn’t shown up on US Bank’s website yet, so not sure if it’s a CA or purchase yet…will update as soon as known.

    I doubt they’re Chex sensitive or maybe not even checking since i’m at 22/12 months, and they didn’t reject me

    Here’s to another easy $200 😀

  48. SamSimon says:

    “Only personal cards are allowed.” does it mean card should be on my name? For example, I cannot use girlfriend card?

  49. Joe says:

    Chase Freedom Unlimited declined funding. Cash advance limit was set lower than funding, so likely still trying to post as cash advance.

  50. Dustin says:

    It means no business cards, in this instance. Generally speaking, they want the name on the account to match the funding source, though.

  51. Noobie Noob says:

    This might be a noob question, but how do they charge the Early Account Termination Fee if you fulfill the terms of the bonus, receive the bonus, and then withdrawal the entirety of the account? The way I see it you can:

    -DD $300
    -Receive a $200 bonus within 60 days
    -ACH pull $500 from this account to another account.

    Am I missing something? Thanks!

    • Ann says:

      Debt collectors.

      • Noobie Noob says:

        Thanks, Ann!

        So I suppose the following sequence is the way to go about it:

        -Open account today 11/7/17
        -DD $300 from paycheck on 11/15/17.
        -Receive $200 bonus within 60 days.
        -ACH pull $500 from this account to another account on 11/8/18 or after.

        Correct?

  52. Bub says:

    How soon do you get the account number after signup? Immediately or does it come in the mail?

  53. Lisa says:

    Account opened online. There is a branch down the street from me. Was able to fund 1k using boa travel rewards. It shows as pending. How do I know if it’s coded as CA? I had my CA limit set to 200$ and now it shows the limit is 0.

  54. T says:

    Funded 5k with BofA travel rewards, CA limit is 1700. Currently pending, but did receive an email from BBVA that the opening deposit was processed

  55. Mac says:

    Ugh, I only have Chase cards. Guess I will fund it with a regular bank deposit, although it seems to be a waste of a $5,000 deposit opportunity.

  56. JASON says:

    Unfortunately we had some difficulty verifying your identity, so we won’t be able to complete your application online. You may visit a branch to apply for an account. Feel free to call us at 877-737-7727 with an questions.

    That a sign of too many inquries on chex report.

  57. anne says:

    I just applied online and got approved instantly with account #. Funded $3000 with Fidelity Visa (the cash advance limit is $1200), so I don’t have to worry about that. Too bad my limit is only $5000 but this works out nicely for my current Fidelity promotion (2000 bonus points once you spend $850 until Dec 31).

    • Denise says:

      Did you fund with the Fidelity Rewards Visa Signature? I was thinking to maybe use this card. Sorry for asking, but how do you know for sure it won’t code as a cash advance? Thanks!

    • Diomai says:

      Just to chime in here to reassure anyone wondering about using the Fidelity 2% rewards Visa card: I was able to open the ClearConnect checking and fund the max $5k using this card. Later got a “successful funding” email from BBVA and the charge showed up as pending. No sign of any CA fee.

      Trying to fund savings with an add’l amount failed, but I think only because I was getting close to my CL on the card, so savings opened, but unfunded.

      Unfortunately, I’m probably out of the running for the bonus. When I received my new account number and set up online access, what should be listed right along with my new acct but an old checking account that I thought I had closed about a year ago. Seems it never did close but has been sitting at $0 since then… Oh, well. Got $100 cashback out of the exercise anyway.

  58. Young says:

    Has anybody seen the following?
    “We’re sorry. The account you’re applying for is not available in your state.”

  59. britchurner says:

    Funded 2500 with Cathay Pacific visa (synchrony bank)- it went through and got confirmation email that deposit was accepted. Cash advance available limit on the card seems unaffected, so am guessing this worked as a purchase. Nice way to meet the minimum spend and get 50,000 asia miles.

  60. quasimodo says:

    WA state…tried opening and got the will call you back in 24-48 hours. Not sure what gives…had a BBVA NBA card for 2 years…closed recently. Did put spend on it…mostly during NBA 5x

  61. Curmudgeon says:

    Will – the ClearConnect checking account does have a $3/mo fee for paper statements (default), but this can be avoided by choosing e-statements.

  62. FM says:

    From reading all the comments so far i can’t tell for sure if anybody was able to do this with a chase card and CA limit set to $0. Can anybody confirm if it actually went through with a chase card and the type of card used?

  63. TG says:

    I have two pending charges for some reason. One for the amount I funded and another for $75.

  64. sonia says:

    for those that got the confirmation of the funding of the account, how long did it take from account approval to receipt of the funding email? thx

  65. Jay A says:

    Account approved for me but funding of $800 failed. Received an email asking me to mail a check for $800 (that’s never going to happen).

    My CA limit is $200 on this card. Noobish question I’ve never thought to ask: If funding an account processes as a CA, does it not also stick you with the CC CA fees and bypass triggering rewards for the transaction?

    • Jay A says:

      Update: Called BBVA this morning about not being able to fund my account. The rep said funding has to happen within the first 30 days and suggested I wait another day or two and deposit money the old fashion ways (all the ways that don’t involve CC fund).

      Also called my CC, they said there was no no attempt to run $800 that they can see in their side. This and all the other DPs has me seriously doubting CC fund is possible outside of cash advance for most people. Super confusing. I’ll take the $200 bonus though.

  66. Denise says:

    Can anyone help me out?

    I need to know whether BBVA Compass will require a Signature Card or not? I’m a citizen and resident of the U.S, but I’m currently traveling overseas for the next few months. The Signature Card issue has tripped me up in the past when going for one of these bank bonuses.. trying to avoid that again, especially if I fund this with 5k..

  67. Sulj says:

    Tried funding 5k twice with chase hyatt didnt go throug. Ca set at $1600

  68. Ben says:

    Opened with a Chex freeze in place, DC, $5K charged to Merrill+

  69. Brax says:

    Anyone thought about opening the checking first and then the savings later on… in order to use two different credit cards? I’m not sure if this would be possible or not. But just thinking. I have two cards where I’d love to spend 5k each :/ but I also don’t want to miss the chance of funding the Savings with a cc.

    • Too Good 2B! says:

      I don’t see how there would be any issue with opening a savings account online later on and funding with a CC.

      • Jay says:

        Only potential issue is the possibility of incurring an additional Chex inquiry, but DPs seem to indicate that they don’t pull Chex in the first place, so that’s probably not a factor here.

  70. mcafeeee says:

    No promo code correct?

  71. J says:

    Does anyone know if this is actually restricted per household?

  72. Samuel says:

    Hello all,

    For those of you funding via CC with an amount greater than your CA limit, is the assumption being made that if the funding went through, the transaction was coded as a purchase and not a CA?

    Thank you in advance.

    Samuel

  73. JD says:

    Anyone know if having a Simple account would disqualify you as a current account holder?

    • Robert says:

      I am curious about this also. However, if we can fund with cc, then the bonus is secondary to get a min spend covered.

  74. Richard says:

    Used wellsfargo cash wise visa for $5k open fund, got a result said banker will call me 24/48 with application id#, not sure what to expect, I am in TN

  75. Mimi says:

    With a lot of $5K CC initial deposits getting denied, I’m wondering if that was a typo from the bank’s end with BBVA’s actual limit at $500?

    IME with Suntrust where I used CitiDC and ChaseFU for the initial deposits, they were both rejected and found out ST coded it as cash advance. I’d rather have it rejected though instead of paying huge CA fees if it went through.

    • Ann says:

      The comment right after yours successfully funded $4200 with a Merrill CC.

    • Superchurn says:

      nope, not a mistake. I successfully funded with US Bank Cash+ for $5000 with a CA limit set to $0

      • It’s showing as a purchase?

        • Miles Hustler says:

          Hey @Superchurn, wanted to confirm that your charge actually posted as a purchase and that you did not change the CA limit prior to it posting. This week, I tried to do a test charge for a much smaller amount with the CA limit set to zero, and while it was initially pending, the charge eventually just fell off and disappeared. Called US Bank to see what happened, and they said it didn’t go through since my CA limit was set to 0. I have the US Bank Biz Flexperks

          • Superchurn says:

            Well, I had set the CA limit to 0 some time ago. and yes, it did post successfully. It shows $5000 under the Charges column, with a description of “Bbva Compass Visa Transfer Al”

            I called them to reconfirm my CA limit of 0, so it must be a purchase since it cannot be a CA

        • Superchurn says:

          for some reason, US Bank’s interface doesn’t let me explore individual charges, but it does show up as $5000 under the Charges column with a description of “Bbva Compass Visa Transfer Al”

          The Transfer bit seems odd, and I’m not sure what Al means, but it doesn’t look like a cash advance, so I don’t think it is

          • Jeff G says:

            Just showed u the same for me. USAA limitless, does not show cash back yet.

          • Miles Hustler says:

            Ok, thanks, Superchurn. Please report back after the statement closes to confirm there are no fees. If your limit is set to 0, it should be fine but that “transfer” language has me curious. Thanks in advance

  76. Adam says:

    Successfully funded $4,200 with Merrill card. No problem.

  77. DCJoe says:

    Reminder to turn off paper statements (Service Center–>Online Banking Services), which are automatically set to ON and will charge you $3/month.

  78. Brendan says:

    Tried to fund $5,000 with Capital One Quicksilver. Everything seemed to go through smoothly, but my BBVA balance is $0 and I have no charges on my QS card. Bummer, was hoping I’d get an extra $75 cashback.

    • NoonRadar says:

      Once your Quicksilver charge posts, let us know if it was processed as cash advance or not. CapOne refused to make my cash advance limit $0 or anything close to it, it’s over $10K.

      I’d also be interested to know if anyone tried to fund these accounts with CapOne Spark (your name is on it so BBVA shouldn’t have an issue processing it) or Discover IT if that’s an option.

      Citi Costco I guess would be a safe bet since Citi does let you set the CA limit to $0, at least has in the past.

      • Darv says:

        I funded BBVA checking with Cap 1 earlier this year. Initially coded as cash advance but reverted to purchase when it posted. That was not a fun three days.

        • Superchurn says:

          good to know…here’s hoping CapOne doesn’t bend me over for using the QS to fund it

          • Superchurn says:

            Update: I got the $75 cash back on my Quicksilver. Which makes me think its going to be a purchase when it gets done pending. I doubt CapOne is generous to give 1.5% back on a Cash Advance

            A friend who used the QS also got the $75, so that’s 2 DP that are encouraging

  79. denise says:

    Question for you guys.. I’ve read through all the comments.. I’m especially concerned about some people getting their opening deposits funded by credit card declined. I’m overseas for the next few months, so there wouldn’t be any possible way for me to mall in a check or visit a branch, should my CC funding get declined for some reason.

    How many people are getting the “you must send in a check” for opening deposit message / e-mail?

    How many people are getting the option to fund via a checking account, if your CC funding failed?

    Thanks!

  80. denise says:

    Sorry.. one more follow-up question..

    Do you think it’s any more likely that an opening deposit of $5,000 (checking) + $5,000 (savings) would go through instead of just a $5,000 (checking)? or even just a $3,500 opening deposit?

    I really would like to try to fund with at least $8,000, to reach spend on a card.. but I don’t know whether people here are getting denied or if I’ll be more likely to have my CC funding denied if I’m trying to fund with say $4,000 + $4,000 (savings).. instead of just maybe one $3,500 (checking)

    • kirk says:

      what card will you be using?

      some positive DPs now. mostly BoA cards (few rejections too though). a US bank and Fidelity card seemed to have worked also. every other cards (Chase mostly), declined or in limbo unfortunately.

      *my blispay 2% visa card was rejected.

  81. Chap says:

    I can’t seem to find if there are any fees for initiating an ETF/ACH to another Bank from BBVA. Does anyone know?

  82. Billy says:

    For those who opened this account..

    Did it say anywhere that it will be necessary to MAIL in a Signature Card?
    With each of these bonuses, I always wonder whether we will be required to mail a physical signature card in.

  83. Billy says:

    Do we have to mail in a physical Signature Card for either the BBVA checking or savings? I mean, does it say so anywhere during the online account application?

  84. Kapil says:

    Need to be US citizen to apply online, others need to visit branch

  85. Peter says:

    Just tried funding ($2,450) with Citi Prestige. Bounced back saying it was declined. No record in my Citi account so I called, and was told of a $0 cash advance record. Thank goodness that I (unintentionally) tried an amount higher than my CA limit.

    Then I tried funding ($4,000) with CSR, intentionally set above my CA limit. System let it go through and my account is approved and open. 20 minutes later there’s still no amount showing either in BBVA or Chase.

  86. NoonRadar says:

    Has anyone who had BBVA accounts in the past tried using Wells Fargo ach as DD? If not what worked for you (other than actual DD?) The DD data points thread for BBVA doesn’t seem to have many reports on it. Thank you.

  87. FM says:

    As a follow-up, I just tried opening checking + savings with funding from my CSR ($4500 each, $9000 total). I called Chase ahead of time to give them a heads up just to be safe. It says my account was approved and I got account numbers but no pending charge on my CSR thus far. Fingers crossed it works out!

    • FM says:

      As a follow-up, I received an email shortly after I posted the above and they said they were unable to fund the account. Chase says they see no pending charge from them. Bummer, not sure what else I can do here now 🙁

  88. JR says:

    Want to pull the trigger on this, but I’m waiting for more feedback on whether funding with Chase CC’s are posting as cash advance or purchase.

  89. SF says:

    Applied and got a “under review” status 🙁 Said a rep will call me to confirm various things.

  90. Pipboy says:

    As a DP, I tried a business card (Cap One Spark) with my name as the business name. Declined.

  91. quasimodo says:

    they opened my account, but visa BofA CC denied. Maybe I try lower amount…or I just send money via ACH.

  92. ChurningFast says:

    Was given an ‘under review’ yesterday. Just got an email saying I need to visit a branch for them to validate my identity. The nearest branch is 1506 miles away, according to Google maps, lol

  93. meed18 says:

    No issue opening a BBVA Compass ClearConnect Checking account online with a Virginia address. I received an account number and online access immediately after completing application. Be sure to use your real cell phone number because they will send a verification text. I didn’t have to do any identity verification questions. No data point from me for credit card funding – I funded the minimum $25 with a Master Card debit card. Went ahead and turned off paper statements so the account should be fee free with no issues.

  94. dizzy says:

    App pending review…I tried to fund with a GCM Gebit since why not, another user reported success. It did let me get as far as creating an online username so I’m thinking problem is just with the card? I did register the card btw.

  95. Marshall says:

    I just got approved. Funded mine with $5,000 on BofA premium rewards. So now I’ve made my $3,000 minimum spending. YIPPEE!

    • Robert says:

      Do you actually see the pending charge on your BOA account? I just signed up for the Premium card with this strategy t meet the min spend

    • meghan says:

      i tried funding 5k with boa premium. a day later they emailed me and said ‘unfortunately we cant fund, please mail us a check’

      very annoying bbva. dont accept cc funding if you’re not going to honor it.

  96. t says:

    Browsing through the comments… have there been any positive DP with CC funding? Looks like most go into process and later get denied. Doc, can you update above if anyone post positive DPs?
    Looks like most cards I have had been tried. Maybe I will try the Barclay A+ but it’s not under my name… Anyone else made it work? Thank!

  97. Gerry says:

    Another DP. Opened ClearChoice account just now, funded with Alaska BOA CC for $1,500. Approved, and just got email that funding will be deposited in 2-3 days. The charge showed up on BOA as pending.

  98. Jill says:

    Did anyone use Alliant CU Visa Signature credit card (3% Cashback)?
    Did it Code as purchase or as cash advance?

  99. Lloyd says:

    I had no problem opening my account using a Chase Freedom Unlimited card (Visa) for initial funding. But 20 minutes later there were still no pending charges on the card. Several hours later I received the following email:

    Dear Lloyd,

    You recently initiated a request to make an initial deposit to your new account(s) with $5,000.00 from Visa, Credit Card. Unfortunately, we were unable to fund your new account(s) using your source account.

    Action Required

    In order to fund your new account, please send a check for $5,000.00 to BBVA Compass, 701 South 32nd Street, Birmingham, AL 35233

    Please make it payable to BBVA Compass and include your Applicant ID number in the memo area.

    • Kathy Hamilton says:

      I received the same email–after I received a notification from Fidelity that a charge had been processed for $5,000. Hmmm

      • denise says:

        Hi, did you fund with a Fidelity Rewards Visa Signature? I was thinking to use this card too. But I am wondering whether it will go through as a purchase or a cash advance. I worry about the latter.

      • kirk says:

        wow! almost SEEMS like someone from BBVA manually reviews cc funding and decides which ones go through or not. in your case, approve initially and now possibly taken back. *popcorn* keep us posted.

        • TJ says:

          A lot might have to do with whether the new account is being applied during business hours or non business hours.

          • kirk says:

            perhaps …but there are already at least a couple of positive DPs for Fidelity funding. safe to assume that hers should go through also but getting that ‘can not fund email’ AFTER getting notified by Fidelity that a charge is being processed seems sketchy to me.

            *perhaps i’m just bitter coz my blispay funding did not work. boo-hoo! 🙁

  100. Jeff G says:

    Successful opening of account, 16 in last 8 months.

    Attempting to fund with USAA Limitless. My CA is set at $3k, I attempted $5k funding. Went online and informed them of upcoming $5k purchase.

  101. gene says:

    Is there a requirement to keep the direct deposit coming in for the year to keep the bonus or avoid fees?

    Also, anyone know if I have a fraud alert from a long ago incident where someone opened a credit card in my name will they open it for me online as no branches are in my state? Thanks

  102. J. Grant says:

    Application pending. Funded maximum with BofA Visa. Called BofA to add a note to my account to expect a large purchase for 10K so they don’t flag the purchase. Fingers crossed!

  103. Dave says:

    Does anyone know: If you open the checking with CC, can you open the savings at a later date also funding via CC? Or do they both have to be done at once to take advantage of CC funding?

    • Kathy H says:

      I opened my checking account a couple of weeks ago at a branch, and I opened a savings account online today using credit card for funding. Used the Fidelity Visa–will know in a day or two if the credit card funding was successful.

  104. jamesheine says:

    Tried funding $5k with Capital One Venture and not allowed to

  105. JR says:

    As much as I’d like to try funding with my CSP, I think I’ll just try a pin-enabled Visa GC as a debit card.

  106. max says:

    does anyone know if ach counts as direct deposit?

  107. Samwise says:

    Chase does not appear to work.
    Tried with my United card and got the Email prompting me for the $5,000 check instead.

  108. Klad says:

    DP: Not a US Citizen, was able to open account online.. funded $4500 with BOA Premium Rewards, no pending charges, will report back if it eventually post.

    • Klad says:

      Received an email from BBVA that my initial deposit has been processed, at the time I am also seeing a pending charge on Premium Rewards.. it sure will post as purchase, CA limit already lowered to $200

    • Bill says:

      Klad: Would you share How were you able to open online being a non-citizen? When I try it pops up an error message “o apply online for a BBVA Compass account you must be a U.S. Citizen. However, you can apply in person at any BBVA Compass banking center.” Thanks for your help

      • Klad says:

        You can say ‘Yes’ to ‘US Citizen’ question and after funding page on final verification page they only need you to be a ‘US Person’ which we are..

        • Bill says:

          Great. Thanks

        • Danny says:

          That’s called fraud to obtain financial services. You can go to jail for that.

        • Terry says:

          I agree that this is fraud. You can try and justify it all that you want but if you answer Yes to whether you are a US Citizen and you are not, that is fraud. I don’t care whether you are a US person, a US taxpayer, or a resident legal alien, you are not a US citizen and you have lied on the application.

          • Klad says:

            I do not want to be in an argument but it’s just a matter of verbiage on banks website.. there is subtle difference between lying and fraud.. If this is fraud there are lot of things we all are doing which is fraud as well – for e.g. opening business account/card without an actual business, pretending you need multiple cards for separating business expense, opening area specific accounts by inputting footprint zip first and later on changing the zip, booking a refundable flight getting the credit canceling the ticket, and so on.. and then there were people who open those BMO and M&T accounts without the residency status.

        • tony says:

          You sound completely clueless and probably deserve to be in jail for FRAUD.

          btw, being self-employed IS IN FACT legally for tax purposes considered as owning a business (there are licenses, etc. but that’s a different topic). You are comparing apples and oranges. hope they catch you

          • Klad says:

            No need to be rude.. I did my research and know my limits..

            When I talk about business, I am not talking about self-employed people they are legal by all means.. what I meant was people lie of business account/card applications about their business and it works for them.. same thing applied here as well, its not about lying or fraud its about interpretation

        • Terry says:

          What is there to interpret about being a US citizen? You either are a US citizen or you aren’t. No interpretation necessary.

          • Klad says:

            For Bank account purposes if you are a resident alien with valid SSN and have a local address then you are considered a US Person and is good enough to proceed openeing an account.. I do not want to argue more and ruin this post.. tried to be DP for others but stuck being a so called “fraudster” which I am confident I am not..

          • David says:

            I don’t think he’s committing fraud by any means. He clearly knows the lingo since he works for a bank. Plus, yes – a resident alien with a SSN should be eligible for this.

    • Tax Man says:

      You’re a U.S Person. NOT a U.S citizen as the application asks. It is plainly fraud and against the law.

  109. PR says:

    Positive DP for CC Funding!

    -Applied on 11-7 & funded $5,000 with the Fidelity Rewards Visa Signature (2% cash back).
    (I called Fidelity ahead of time to let them know the purchase was coming. They noted BBVA Compass in my account.)
    -Checking account was opened instantly
    -Purchase went to pending
    -2 hours later, I received an email from BBVA confirming opening deposit was processed
    -22 hours later, the $5,000 purchase just posted
    -Still hasn’t shown up in the account, but I’m hopeful it’ll show up in a day or two

    • denise says:

      Wow! It’s good to hear from someone using their Fidelity Rewards card.

      Did it already clear your Fidelity account as a “purchase” and not a “cash advance?”

      Just curious also why did you not want to open a BBVA Savings account to fund it with an additional $5,000 of spend (extra $50 of rewards).

      I am still thinking of opening a BBVA Checking and Savings at the same time and funding $5,000 each with my Fidelity Rewards Visa Signature.

      • PR says:

        Yep, it has cleared my Fidelity account and posted as a purchase. It shows up as “BBVA COMPASS Visa Transfer AL” & I also called customer service to double check it is a purchase.

        I plan to do the savings account next, I only have a credit limit of $6,500 on this card.

        • Dan says:

          Did you notice anywhere did it say anything about a Signature Card or needing to mail in a signature card? Some checking and savings accounts require this. I’m a U.S citizen but overseas for the next few months. Thanks!

          • PR says:

            It didn’t ask me for a signature card & I’ve never had any contact with BBVA Compass before this.

        • anne says:

          I also got “BBVA COMPASS Visa Transfer AL” for $3000 initial deposit. Just came here to see if this means a purchase. The way the charge was posted was not clear if it was a cash advance or purchase, especially with “transfer” word.

        • anne says:

          Even lower credit limit than yours ($5000) so I could only do $3000 because there was already $1000 purchases on the card prevously.

  110. Dan says:

    Anyone who opened the BBVA Savings account in addition… did the 5k for the Savings also count as a purchase, and not a cash advance? I’m thinking to use the 2% Fidelity Rewards Visa

  111. Mark says:

    Are there any current DPs on non-employer DDs?

    The BBVA page seems to have limited DPs.

    Thanks

  112. Chris says:

    Has anyone tried funding with Citi Costco card?

  113. dan says:

    Ah crap.

    After carefully reading all the comments for 1.5 days on here before applying to open the BBVA clearchoice checking.. I just got the message: “we are currently reviewing your application.” it says they will call in 2 – 3 days. So far I didn’t see anyone who got this message was able to get it automatically approved.

    I’m just wondering.. for anyone who got this message.. did you try to put another application through? I saw in the comments that one guy who got his funding rejected.. simply put another application in.

    For identification I used my passport instead of my driver’s license. I wonder did anyone else here use their passport? I’m wondering if that’s it.

    If I were to re-apply before Nov. 20th. I’m wondering maybe I should also try a different credit card.

    I dunno. I dunno why I couldn’t get this bank bonus opening to be a success. I had success this year with the M&T account and recently the HSBC was no problems either for me. I’ve opened about 7 – 8 accounts this year.

    • LC says:

      I’d wait before you get a decision before putting in another application in or they might just close both accounts and refund CC. It’s not specific to passport, same thing happened to my dad but he used DL

  114. sara says:

    When we used to load Serve with Chase cards it was always pending as a cash advance and then posted as a purchase. In that case the cash advance limit had to be greater than the charge.
    All these people writing that they got declined, did any of you have a cash advance limit large enough to cover this?

  115. Dan says:

    Credit card funding declined (Citi DoubleCash). Called Citi and they said this would code as a cash advance. Since my cash advance limit is set to $0, it didn’t go through. Also, if your CC is declined 3 times in a row, they won’t allow any more attempts to fund with CC

  116. Dave says:

    Any data points for funding with a US Bank Visa (i.e.: Club Carlson)?

  117. Shaun says:

    Hmm tryied to charge $10,000 to my Quicksilver and then $7000, both declined. No email or notice Capital One about the attempted charge.

  118. Matt says:

    DP…Was able to fund $5,000 with USAA limitless cash back card. Posted as a purchase today. Will be opening a savings this afternoon with another $5,000.

  119. ed says:

    Does anyone know if if bbva accepts an ach transfer as a direct deposit?

  120. kirk says:

    besides the $3 paper statement fee (turned On by default), be aware of the Courtesy Overdraft Options. ATM & Everyday Transactions is Opt-In by default.

    • James B. says:

      Good point…….Opened account yesterday and I just now turned off paper statements and courtesy overdraft options for checks and all other options. Courtesy overdraft option for ATM and Everyday Transactions was already turned off by default in my case.

      Couresy overdraft for ATM, etc usually requires a hard pull. I did not see any hard pull alerts so far from Karma, etc……..

  121. Kingdeals says:

    Can we open this account via phone??

  122. anthonyjh21 says:

    Opened and funded $5k on 11/6 with my Alliant Visa CC. Funds posted today as a purchase “BBVA COMPASS Visa TransferAL ”

    Debating on the savings account now for another $5k. I might want to let it sit for a while considering how touchy BBVA is known for being (such as with this offer and their Amex card previously known as the NBA card).

    • kirk says:

      lucky! that’s at least an extra 100 bucks! more, if you got the 3% card going.

      if i were you i’d go for it now. especially if you’re not ‘saving’ that ‘bbva savings/any account 5k funding slot’ for an MSR. if i’m not mistaken this is the first time they’ve offered an online app for a bonus. norrmally in-branch, i believe. lotsa people taking advantage of the 5k funding and as you say, BBVA is known for being a .. i mean, touchy. who knows.. they might lower cc funding, reject more/different banks visa cc, or worse, close cc funding in the future. i say, strike while the iron is hot! 😀

      • anthonyjh21 says:

        Yeah I have the 3% card. Originally had the now 2% card from a targeted $400 bonus. When the 3% card came out I product changed. We have quite a bit of expenses so I’ll probably keep it for the foreseeable future. Can’t hurt my banking relationship and I’ve never had any fraud issues.

    • R says:

      transfer AL means purchase?

  123. Chris says:

    On-line app couldn’t verify my identity (DL) even though I have a credit card account with them and pre-filled the application by logging on to my account! Had to call in, went through the process and the phone rep says because I’m doing the app over the phone, I have to go to a branch to finish opening the account and be eligible for the bonus–even though the terms say i can open over the phone!

  124. Most likely not, King. Online directed me to branch to open twice, I have dozen plus Chex inquiries this year and sub-prime credit, they opened with $25 cash so I can’t speak to the reason most of you are using it.

  125. Help says:

    I funded $1k with BoA cashback rewards credit card. Transaction posted. I am now seeing a second $1000 charge on my credit card pending? I can’t get a hold of BBVA. Anyone else having this happen?

  126. tinker25 says:

    CC fund page appeared to be fine, No ID verification questions asked. But ended with message: “Thank you for applying for a ClearConnect Checking account. Unfortunately we need to manually review your application. We will contact you by email or phone (usually within 24-48 hours) to collect anything needed to help us finish processing your application.
    Feel free to reach out to us at 877-737-7727 with any questions regarding the status of your application. ”

    Logged on CC, no pending charges showing

  127. Max says:

    I’m a TN resident and opened the Clear Connect account. I funded $5,000 with my CSP and received an instant approved message. Funding said to show in 2-3 days. We’ll see!!!

  128. tinker25 says:

    For those of you who opened online, did it ask for ID verification questions?

  129. Joe says:

    DP: The Clearconnect Checking account opened immediately for me, a Utah resident, but I just received an e-mail confirmation after 30 minutes that my BoA Cash Rewards Visa was declined for the initial $5,000 deposit even though I called the funding in to BoA ahead of time.

    Oh, well. I’ll still keep the account for the $200 bonus. Hopefully that works out better than this initial funding fiasco.

  130. JR says:

    Anyone successfully funded using a PIN enabled gift card? If so, what type?

  131. Eric says:

    DP: I opened a Clearconnect checking account and funded with a BOA Alaska Airlines card (personal) for $5k. After pending for a couple days, BOA posted it as a purchase this morning and my BBVA checking account shows a $5k balance as well. Strangely though, the pending charge hasn’t dropped off yet, so I have $0 credit remaining on that card ($5k pending + $5k purchase posted). I’m assuming it’ll drop off eventually.

  132. Austin P says:

    cc fund dp:

    CSR $4,999.00 cc funding attempt declined. CA limit set to $100.

  133. Docta G says:

    Funded $10,000 (checking and savings accounts) with USAA Limitless Cash. It went through as a purchase, not a cash advance. At 2.5%, the cash back is $250, better than the actual bonus. Might open the accounts for my spouse as well, and at least get the $250 cash back, even if we can’t get another bonus because of the household limitation…

    • Jeff G says:

      Great idea, thinking of doing the same once I am sure my USAA purchase goes through.

    • anne says:

      Do you think if we both open accounts for wife and husband during the promotion time, bonus payout can be affected? In other words, how do they decide to whose account is bonus credited? Can we just open accounts for spouse after the promotion since bonus does not matter anyways assuming that the accounts can still be opened online and credit card funding still works? Just a thought.

      • Docta G says:

        My guess would be whoever met the conditions first would get the bonus. So many times these banks don’t actually enforce their terms, so who knows, maybe both spouses will get the bonus. Probably won’t be any DPs on that before the offer expires though.

  134. JP says:

    Credit card funding DP: cap one venture works!

  135. Curmudgeon says:

    Just opened checking & savings, instant approval and have access to my account already.

    Funded $5k checking, $5k savings. Used Merrill+ card. Called BOA yesterday to advise of large purchase and had them note on account.

    Will update if credit funding doesn’t go through.

  136. SkinnyElvis says:

    Dear God are they incompetent. Got disconnected 3x while trying to set up an online account b/c somehow I was not signed up for online banking; I guess it is 1997? Their website has a schedule a call option but when you click on that; it states that function is down. On hold again…

  137. Scoobs says:

    Funded about $4600 with business Amegy Card (as part of that separate business card promo). Took a few days for it to show up.

  138. Roger says:

    Attempted funding $5k + $5k on Chase Amazon Visa, declined. Called BBVA and CSR confirmed that you don’t get another crack at it with another credit card; that funding action is only available during the initial sign-up phase.

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