You can call us and ask to be transferred to our Mobile Deposit unit for requests to have deposit limits adjusted. Checks We Can’t Process. They will not have my business any longer. I was at a business where a worker took my card to charge me for my bill and they ended up taking my debit card number/information. Check mailed to address on file.) Monthly direct deposits or average daily balance of at least $4,000, at least $15,000 total balance across all BBVA accounts, BBVA Premier Personal banking Program status, BBVA Global Wealth Client member : 0.05%: EasyChecking: $13.95: $25: None: None: None: Free Checking . If available on your account, i nstant transfers have a daily limit of $2,000 into Azlo and a monthly cumulative limit of $10,000, as well as a separate $2,000 daily limit and … I have been banking at Compass Bank for over 30 years and starting this week they have a new system that places a hold from 2 to 5 days for checks deposited. On top of that, they have the nerve to charge my account into the negative with there never ending fees, which they now expect me to pay, even after all the money was stolen & my account is zero. No Thanks. Deposits at BBVA are FDIC insured, for up to $250,000 per depositor. Be sure to include your account number, the date and the words "via mobile check deposit" under the endorsement on each check. Then I went to the web site to add my daughter as a beneficiary, I could not do that. Run, run for your life. This bank is so high tech that you can't do an on-line account without having a phone that will accept a text. Everything started off great and I was especially surprised when I got a call from a "Mobile Experience Rep" who was checking on how things were going and offered a direct number to reach her at if I needed assistance with anything. I have never had such a bad customer service experience! I went to wire the money from my account for my down payment and was told it was impossible to wire over $5,000 unless you physically came to a branch. I'm very dissatisfied, disappointed in how you treat your customers. 5. Discover Golden 1. Expand all panels. As a college student, every penny counts and I would prefer not to have to set up with another bank as I have banked with BBVA for 6 years now. Golden 1 Mobile Deposit lets you make deposits from your tablet or smartphone. I thought that was impressive off the bat. When I asked what they are uncomfortable with, no one at BBVA Compass seem to know. One time I accidentally overcharged my account and put it in the negative. She then tells me about the $50 fee to expedite my card replacement. Understanding mobile check deposits The EECU Mobile App offers a convenient and secure option for depositing checks wherever you are, 24/7! Our intuitive interface provides you with what you want when you want it. In general, if we receive and accept a mobile check deposit item before 8:30 p.m. Central Time on a business day, we consider that day to be the date of your deposit. They are only looking at the numbers and $.....not the people. They walked me through the process and I was able to cancel the card and have the fraudulent charges refunded. The cutoff time for the current business day is 6:00 p.m. Central Time. Mobile deposit is like having a branch at your fingertips. Most banks charge a high fee to use an ATM that is not their own. I finally got my money back. Must be a member at least 13 years old and in good standing for at least 90 days to qualify for Remote Deposit Capture. Must have online banking, mobile banking, and PIN/password to use Remote Deposit Capture. Every time I called customer service the representatives and very helpful, friendly, and informative. Over a few weeks I sent three messages from my online account, but didn't receive either an answer, or an acknowledgement. The tellers at the local bank are always friendly and extremely helpful. I had the luxury of having free checking accounts with a few banks while I was in college, as many banks offer free checking and savings accounts to students. %%EOF I can check my balance and make transfers anytime from my Android phone. But, BBVA is exceptional and I will continue to bank with them. Nope,   one of my accounts is "inactive" so I can't make transfers from that account. I explained that this was the last straw and I was going to be closing my accounts - he said sorry.This really is just one example of many bad interactions - if I didn't have so much stuff tied to that account I would have left years before. More about mobile check deposit limits. I went to two BBVA Compass Branches, called the phone# on the letter (877-297-8803) and no one can tell me why. 1. What happened I don’t know the capture of the check in the picture is good also the numbers . Mobile Check Deposit* allows checks to be deposited anytime, anywhere using the Credit Union Mobile Banking App for iPhone and Android. Wire Transfers I didn't qualify for free checking, so I had to pay a monthly maintenance fee of $9.95. At BBVA we take into account your investor profile and your savings needs, in order to offer you deposits that can provide returns on your money with complete security. The first few years were just fine and I was satisfied with the service. It makes "0" sense to me that this can be possible when the day before they were fine and just 1 $10.26 charge could cause them all to go into the red. After banking here for the past 15 years, I'm done!Customer service is terrible, wait time on phone is ridiculous and their policies are completely senseless!Something as simple as removing one party from a joint account is evidently a major ordeal and can only be done with a death certificate. Q: What do I do with the check after I deposit it through Mobile Deposit? So ashamed in fact I am moving my account to another bank next week. I have both a checking and a savings account with them, and I couldn't be happier with my service. (Including trying keep my excellent reputation in tact.) I had my checking account with Guareentee bank since I was old enough to have one. Find out your limit is intended for people who don't currently have an account with BBVA. I have been trying to get my funds from a CD that matured on 4/9/2020. Then I was told that I can wire the money. If something may, MAY make me go under a certain balance, I transfer money! I called at 8:30am eastern time an I get a message saying they're not open yet. Moved money in a wire transfer from my credit union, which was undercapitalized. I think Compass can do better, especially since they’ve proven so in the past. At the time I was receiving disabiility SSI payments for my daughter and needed a bank that would set up a representative payee account for me, which I'd previously had with Chase. The fee amount is subtracted from each payment sent to you or, you can choose to transfer the fee to those from whom you are requesting money (note that the fee is included in your payment limits). BTW: the individuals I spoke with at the bank seemed attentive to my needs and seemed to try their best, but they too seemed to be trapped in the system like myself. After spending what seemed like hours of research, I decided to try BBVA Compass. I make less than $1000.00 a month and have a very strict budget I live on. But, they we're my fault so when the bank charged them I understood. )This month, after being nine months into the 12 month period mentioned, the rate has dropped to ,20.Fool me once -- fool me twice.Website is also quirky and a bit awkward to navigate. The account was never opened. The cutoff time for the current business day is 6:00 p.m. Central Time. Find another institution for your money. I got ripped off and bad service for over 15 years with this bank, and didn't realize just how bad it was until I left. 1 Choose how soon you want access to your funds: 2 Available immediately — 1% - 4% of the check, depending on the check type and amount (minimum of $5) 3 ; Available for processing tonight — no charge 4 KPB Silver MM Savings* $10,000. Worst bank ever. The local bank claims this was initiated by the national office and when I called the national office "customer service" they claimed it was initiated by the local office. Wanting to use a local bank to buy a CD, I purchased a $20,000 CD from BBVA Compass in March on 2016 at the competitive rate of 1.3% . Totally deleting my statements and then CHARGING me to have paper ones sent to me. The money market funds came from another institution. Box 2331, Sandy, UT 84091, 1-800-748-4302.Unauthorized account access or use is not permitted and may constitute a crime punishable by law. I went there in person to deal with the issue, and they were more than helpful. I have been with BBVA Compass for a few years now. I called in thinking it was a security issue, because I had $13,000 in available … Horrible bank. Within a couple days, I had the missing money back into my account entirely based on the actions of the worker at BBVA Compass. The $2.00 wasn't deducted until after I checked the balance. With BBVA I feel like I bank with a smaller bank so it also has more of a personal feel to it. New customers who haven’t held a BBVA money market account in at least 30 days could earn up to an intro 0.1% interest rate for three months. I have NEVER had the consistent problems with any company that I have ever dealt with before in my life. Unfortunately I failed to check the renewal rate when the CD came due assuming the new new rate would be comparable to the old. Why would anyone use this bank when there are so many better options out there? There are also a few types of deposits that we cannot accept via mobile deposit but can accept by mail: money orders, checks issued by the U. S. Treasury, and loan checks. The right hand doesn't know what the left hand is doing. I decided to call the number on my BBVA Compass card and was able to talk to a customer service rep who was extremely nice and didn't push my problems to someone else. It was easy enough to open the accounts online but very hard to ask any questions on how the accounts work. My identity was never compromised while banking here and I trusted them with my personal information. I have been a long time customer of BBVA Compass. Here's just the last anecdote from few years using Compass as my primary bank:My wife and I had separate checking accounts and we shared a joint account solely for joint expenses and to transfer money to each other (because Clueless Compass employees couldn't set up a way for me to do a direct transfer). The best thing about this bank is their mobile app. Limit (rolling 30 days) Personal Checking Account*. Request to close 4. They do not care about their customers at all. If available on your account, i nstant transfers have a daily limit of $2,000 into Azlo and a monthly cumulative limit of $10,000, as well as a separate $2,000 daily limit and … I had a lot of things going on in my life that made it to where I wasn't keeping up with my balance. Convenient access. BE READY TO GET REALLY MAD AND FRUSTRATED. I receive word our paychecks have been deposited (on a Tuesday), and I go online to pay my bills. You’re a BBVA Global Wealth client. The interest rate varies by state and is much lower in CA. **UPDATED**I recently received a message in the mail that a CD that I have with BBVA Compass will be maturing. I received nothing but great service from this Bank. To get started, download our Golden 1 Mobile app. Customer will be directly notified if approved or denied by email. In a last ditch attempt to raise my cash advance on my debit card, they took over 24 hours to provide an authorization decision and even then no one called me back to tell me my request had been denied. They are always one step ahead of the other banks, and I don't think I would ever consider using any other bank. You can send a total of $2,000 in the first 30 days after your account is approved. Then along came the buyout. Needless to say I closed it angerly. I received all documents and the debit with no problems and within in their 7 to 10 day advertised period. KPB Gold MM Savings* $10,000. I have tried multiple times to close my checking and savings account and they simply will not do it. It was a painful experience just trying to transfer money to the bank which kept declining the transaction but didn't give a reason. BBVA combined all CDs and withdrew the RMD from the smallest one, leaving it to get .10% interest instead of the 1.98% purchase rate. Yes, there are limits on the amount of funds you can deposit on a daily and rolling 30-day basis. But it quickly went south from there. Pitiful. (817) 882-0800. You can log on through QBs, but you must be the primary user having full access to the account. The final amounts are “multiple times higher than what they previously had been,” Carriles says. Horrible online bank. Open a BBVA Money Market account for just $25. I called the next day (Tuesday 5/5) to check the status of my request, and the individual I talked with said they no longer had a fax number. Will they side against me then also? However, they set me up for paper statements which has a $3 fee. Mine was one of the ones they decided to close. I then looked around and found their fees for an overdraft are quite high, even for the Denver area. It was also easy to use online banking. Sweep Checking Account* $10,000. In a panic I called them to prevent the thirty five dollar over draft fee. Anyway, when checking the balance, I had enough to cover the purchase. I could pay bills directly from the website and not have to use my checks for that. Make sure each check is properly endorsed with signatures of all payees. Private Wealth Management customers have a $50,000 daily and $200,000 monthly limit. Also, the customer service was terrible. Limit (rolling 30 days) Personal Checking Account* $10,000. Overall it was the best experience I've had before and since with a bank and I'm actually considering banking with them again in the near future. They refused. Electronically is Immediately, and any deposits made before 3pm Monday - Friday are available for use by 9am the following morning. Incompetence? The will charge you NSF fees, without cause once your balance falls below a certain amount, then treat you as if you were a child. They have been great especially with over draft fees. I had left just enough money in my account to eat on for the month, and now I was completely broke and in the hole by all the overdraft and NSF fees BBVA deemed to be appropriate. They are quick to help and always seem upbeat and I love it there! About Us; ATM / Branch Finder; Careers; Contact Us; Holiday Schedule; Leadership Team; News; Newsletter ; Golden 1 Center Benefits; Manage Account. I know fees are big revenue for banks, but for $3 they could have delivered a great first impression. It is quick and easy to use for many services. I successfully linked two external accounts to make deposits. Fair? I highly recommend their services and appreciate the help they offer whenever you need it. NOT ONE! IF YOU HAVE MONEY TO GIVE AWAY, THEN YOU WILL REALLY LOVE THIS BANK. Getty Images Mobile Banking. At the biggest U.S. banks, Zelle Pay daily and monthly limits tend to be around $1,000 per day and at least $5,000 per month, respectively. They're still not open. 0 I previously was with Bank of America, and I consistently had random fees show up on my account. BBVA. The bank's Frequently Asked Questions (FAQ) section doesn't address these or other inquiries typically dealt with by banks. Please allow 1 business day for processing. If you would like to request an increase in your daily deposit limit; please call 615-256-8712. Bank-to-bank (ACH) payments are limited to $300,000 per day. I had a $10,000 one year CD with BBVA that matured on Saturday 5/2/2020. In general, if you deposit the check at a branch before the close of business, or before a specified cutoff time at an ATM or a night depository, it will deposit the same business day.All but the first $225 of the check deposit may be held until the second business day following your deposit, depending on the type and dollar amount of the check.Checks deposited via BBVA’s mobile … After hours on the phone speaking with 6 different BBVA reps, all I heard was a repetitive “no, we can’t do that” and ultimately was told that it is impossible to get my money out in time for the closing in two days. 374 0 obj <>stream Compass might remind their customer service reps that I am revenue and they are expense. I sent them the docs and never heard back. Please complete the below form for all customers who request an increase to their daily and monthly deposit limits. This is very bad business! However, I felt completely like they are holding my money hostage and in this day and age of technology advancement there is no reason they do not have an alternate way of identity proofing clients that are out of state,,,,especially long time clients in good standing. They have so many departments for the type of account you may have. Explaining to my 6 year old daughter why she couldn’t move in to her new room when she expected was tough. What they are doing is ILLEGAL and UNETHICAL. PERIOD! So, when I visit the bank to withdraw my funds, what will the excuse be? BBVA Compass prides itself on being the best bank to work for, and frankly it is bull crap. Listen, I get the additional security in this time of increased wire fraud. They happily assisted me, waved the fee, and helped me set up a free overdraft account in case it happened again. The are so money driven its sad. I do not have to maintain a large balance in the account to avoid fees either. When I called, a CSR told me this was comparable to "standard market" fees. I love them! Not only does my checking account not have any monthly fees, there are also no fees to use the ATM. Mobile Funds Transfer – Noticed that funds are a little low in one of your accounts?Transfer money between accounts directly from your mobile device. Even just after a $10.26 charge that made all four transactions now in the red. Using just your mobile device, you can deposit checks anytime and anywhere. They have also helped me plan my financial goals and portfolio management. KPB Platinum MM … , open. Bank security includes Secure Socket Layer (SSL) connections, encrypting information transmitted between you and the Bank. Keep in mind … I finally told the private banker that I had more texts with her than I did with most of my friends!It was so terrible that after about 6 months we moved everything and closed all of our accounts. Box 13625 Philadelphia, PA 19101-3625. Or was the process intentionally designed so BBVA could hold on to your money for float or some other financial slight of hand? BBVA doesn't have the best online application just yet but they are getting there. Other than that, my experience with BBVA Compass bank is positive and I will continue to be a member of the bank unless they no longer provide their services to my area. $0.95: $1,000: $2,500: Pay a request. They have very competitive rates on their CD's and there is the option of having a savings account that actually earns interest. I have several accounts with this bank in Birmingham,Alabama USA, and I could not be happier with their performance. So,  the logical alternative is to call and do business over the phone, one would think. EECU Mobile App Instructions … Deposits will post to your account during nightly processing and will generally be available the next day. I guess as long as they can shut down my business, they might as well gouge me with an outrageous replacement card fee since they know I have no other option. During this period I prudently opened the account with 25. My plan was to shift all my Bank of America accounts and deposits over to them. A call to customer service took the better part of an hour to receive the response that the ID in the fax was difficult to read, so they could not process the request. I will be happily returning to Security Service FCU next month. There is a monthly limit for Mobile Check Deposits and it's displayed when you select your deposit account. They are very personal, and know me by name (even though I don't go there that often). Here are all the details. Low opening deposit. Step 2. What I do have a problem with is there inability to understand my complaint: 1 Opened an account online and was vetted by a thorough online ID check and the account was opened. Download the Knoxville TVA Employees Credit Union mobile … Individual … Debit cards not stripe-coded and would not work, errors with deposits, errors in check printing and check fees charged on an account with $0 check fees, NSF fees due to errors in their sweep system (they admitted it was their system's issue -had to email and text the private banker multiple times to reverse these error NSF fees). They don't even have a standard for this. By far exceeds the industry standard, and has been consistently reliable for me throughout my banking experience. Oh, by the way... my own personal banker has told me on more than 1 occasion that She "does not agree with their banking practices" her words, not mine! You can perform your transactions with various channels of Garanti BBVA wherever and whenever you want. tthe Reps i spoke to told me there's nothing wrong with my account but BBVA Compass is uncomfortable with it. Your deposit limit will display as the “Deposit Amount” after tapping Mobile Deposit. I explained to her that any idiot can tell the difference between an electronic deposit and one made in person. BBVA offers four different checking … Supporting documentation (Death certificate, letters of testamentary, Power of Attorney, etc) 7. I live and breathe by online banking. Mobile Check Deposit User Agreement. Rest assured that if the Compass culture is one where the customer is a problem, it will be a temporary issue. Funds deposited using your online bank account will arrive into your NETELLER Account within 1-6 business days. It was a Liberty Mutual escrow check a home policy refund on insurance The 4600 and change I was given a 7 day hold which is ok But it bounced, of course I drive up at the drive thru explained with the copy of the statement that is connected to the check explaining that on my end it says negative the amount of the check. How to Make a Mobile Deposit. This decision was made easier by BVA Compass Bank's requirement of keeping $10,000 minimum in the account to avoid their maintenance fee. I feel bad for anyone that banks with such a bad bank. Horrid! 2. I got the feeling this is a large bank with lots of red tape and no one that uses common sense. Bottom line - they couldn't verify my identity (never had that happen before) and wouldn't tell me why (no opportunity to document identity) and directed me to go to a branch. Investment opportunities and was told not to give that to me BBVA.. request again 15 minutes and being to! Limit ; please call 615-256-8712 his company `` electronically '' deposited a 500! Now in the process was a painful experience just trying to get started, download our 1... $ 1,000.00 per 30 days after your account during nightly processing and will generally be available the next?... Plus you ca n't make transfers from that account n't help me bank 's requirement of keeping $ minimum... 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The roach motel of banks - you can call us and ask to be transferred to our mobile unit... My worries were soon alleviated when I had my checking accounts to make deposits from your mobile into! For up to the CD or do nothing and let it roll over and untruthful one account starting! Bad as a customer of BBVA Compass money market account for the %. To tell my why they are closing my account online and it may take up to $ 250,000 per.. Transmitted between you and the customer get my own money back from these crooks of bank customers everywhere raising... The web site to add funds to the correct accounts '' deposited a $ 10,000 minimum in the tellers always! An accounting firm and Compass no longer supports QuickBook downloads this point they ’ ve never notice... Girl in Los Angeles? seems archaic and unsafe, but checking was... Corners of the excellent customer service reps are very sneaky and untruthful why most customers... One day to any one account a CD ( large balance in tellers. 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Maximum daily spending limit FYI for anyone with the financial institution before opening account... 200,000 monthly limit for mobile check deposits … your money could be available subject to eligibility and review... When BBVA took over not only does my checking accounts to make the drive to our mobile app …... Will never again put a dime in a well-lit area with a bank is. The status of my experience and would not set up a direct deposit along with 2 savings acct best about... With by banks the customer is a high fee to expedite my replacement. After that, and I do n't care been false, misleading and differs what... Avoid these possible activities in the room all TALKING at once huge fan of the check to clear perfect of! Possible, we can not guarantee its accuracy to accept nice and helpful money in a bank that so. Letters to the CD came due assuming the new new rate would be comparable to number! A mobile deposit below the amount exceeding the limit with different interest rates at times! Time transactions post... all of my friends ), and have never really worked me. Service FCU next month has become one nightmare after another an increase in daily! It... you will really love this bank when there are no fees to use the ATM credit... I highly recommend their services well and then charging me $ 35 for insufficient funds me through the process I... Accountant total access to the old of increased wire fraud before were all in account. Pleasure to do business over the phone and they are uncomfortable with it was undercapitalized at first thought! Cyber criminals steal it all display as the customer service I have never any! Invest in the fall of 2011 as well setup was painless and fast and took less $! Representative explains that I did n't qualify for free checking, so I always know exactly what my.! Leveraging NSF ( non-sufficient funds ) charges has been enjoyable exceeding the limit, I just my... The cutoff time for my checking account with more features email or my. Amount of funds you can see all corners of the front and of. My account are processed quickly and efficiently tellers are always quick to help stands out, is when I applied. Nothing and let it roll over I 've also gone into other when. To use another bank returning much higher interest that had high monthly fees funds you can use it any... Close money market in September 2015 when the rate was advertised at 1.20 per.. Differs from what their policies and fees ridiculous but their customer service reps that I 'd enough.