I decided to open online, a free checking account with BBVA Compass. I already had their BBVA Clearspend prepaid card (for about a year) so decided to try for their checking account.
It took three attempts to apply over the past week, with the third one succeeding.
The first time I applied I got a message stating they needed to verify my application, and that I should hear back in 24 to 48 hours. Two days later I got an email saying they "messed-up" and I needed to reapply.
The next day I applied again. I got a different message saying they needed to verify my identity and that I need to apply in a branch, and to email them if I have any questions. I emailed them, saying the branch is 40 miles away, and thus not convenient for me. They emailed me back indicating if applying online still doesn't work, I need to apply in person.
I gave the online application one more try, although I get concerned about applying multiple times. This time it worked. Go figure. Things I did differently, was on my address where they asked for the unit/apt number (I live in what the city considers a townhouse development) I only put the number, and not "Unit" in front, in that box. Also, on the first application (and not the second) I used my debit card from my BBVA Clearspend account to initially fund it. On the second application, I couldn't even get that far. On the last application, I used the debit card from my Wells Fargo checking account, since I noticed something on the page about not using prepaid cards to fund.
I do not know whether they use Chex or EWS in their decision. I won't be checking those reports until I can do my yearly free reports in a few months, so I won't know soon. I do know they did not do a hard inquiry on any of the three major credit bureaus. I just ran my three-bureau report and there is nothing there from BBVA Compass. This is contrary to the fact that when researching on the web about BBVA Compass, that they do hard inquiries for checking. They didn't for me.
My next plan with BBVA is to apply for a credit card, but this won't be until the middle of next year. I recently opened credit card accounts with OneWest and ICBC (their UnionPay card) so I want those accounts and inquiries to age a bit before applying for another card.
Edited by Burgerwars, 08 December 2016 - 12:39 PM.