.Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit.Excludes overdraft transfers.United Heritage makes your pay available as soon as it is received, which in many cases can be. BBVA Online Checking. Cash Back on Select Purchases Through Simple Cash Back; No ATM Fees at. There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions. But let’s be totally upfront here: There may be some things you want or need to do with your account that will result in charges.