Student Banking


Welcome to Free Checking 101

Stay free and clear of a monthly Service Charge on your checking account with BBVA Compass ClearChoice Free Checking.

As a student, you're busy, mobile and tech-savvy. You manage your banking primarily through the convenience of Online and Mobile Banking, and you want to save money where you can for more important extracurricular activities. That's why we created BBVA Compass ClearChoice Free Checking and BBVA Compass ClearSpend — both are cost-saving accounts that keep you in control of your finances. Here are some of the benefits and features of both:


BBVA Compass ClearChoice Free Checking

  • No Monthly Service Charge
  • Free Online and Mobile Banking with Bill Pay and Account Alerts*
  • Free Online and Paper Statements1
  • One Free BBVA Compass Visa® Debit Card You Can Personalize with Your Favorite Photo2

And if you want additional features, like no BBVA Compass fee to use other banks' ATMs, you can add them individually. With Custom Features, you pay a low monthly fee for only the features that you may want;

BBVA Compass ClearSpend Prepaid Card

  • NO Overdraft Fees 
  • NO Purchase Transaction Fees 
  • NO Monthly Service Charge as long as $400 or more is loaded during each calendar month, otherwise a $4 Monthly Service Charge will be assessed.3 
  • NO Load Fees4 
  • NO credit score check to apply**
  • Use the Built-in Budget Tracker to Manage your Finances and Help Eliminate Overspending (Requires Download)
  • Plus, Receive Real-Time Transaction Alerts* to Stay in the Know

Details you need to make a smart decision.

BBVA Compass ClearChoice Free Checking: All checking accounts subject to approval, which may include credit approval. $25 minimum opening deposit required. Please refer to the Terms & Conditions for additional details. Additional terms and miscellaneous fees may apply. Products, features, and benefits offered with accounts are subject to change at any time.

1Paper Statements: You will receive a paper account statement by mail at no charge. Visit for more information about turning off paper statements.

2Personalized Debit Card: One per accountholder at no additional charge. $10 per each additional card.

3Please Note: Monthly Service Charge can be avoided with $400 or more in loads during each calendar month.  The Monthly Service Charge will be assessed on the 15th of the following month if load requirement has not been met for the preceding month.  Cardholders whose accounts were approved between 11/1/16 and 4/30/17, will not be subject to the $4 Monthly Service Charge unless otherwise notified.  Cardholders whose accounts were approved after 4/30/17, will be subject to the Monthly Service Charge.

4Please Note: Cardholders whose accounts were approved between 11/1/16 and 4/30/17, will be subject to a $4 Initial Load Fee.  Cardholders whose accounts were approved after 4/30/17, will not be subject to an Initial Load Fee.  There is no charge for subsequent loads after the initial load.

BBVA Compass ClearSpend: All BBVA Compass ClearSpend Card accounts subject to approval. $25 minimum opening deposit required. ClearSpend Accounts available to U.S. residents who are over 18 years old (or 19 in certain states) and for use virtually anywhere Visa Cards are accepted, subject to verification.

*Alerts may be delayed or may not always be available. Thus, your balance may not reflect all transactions.

**Card Subject to approval, including fraud prevention measures.

A supported mobile device is needed to use the ClearSpend Mobile App. Certain other restrictions apply. Please refer to the  ClearSpend Mobile App Terms of Use for full information. Third party message and data rates may apply.