As a representative from BBVA Compass, I am happy to provide you with information about our Smart Money account designed for personal banking customers in Laredo, Texas. Here are some key features and benefits of this account: 1. No monthly service fee when you maintain a minimum daily balance of $5,000 or have direct deposits totaling $250 or more per month. 2. BBVA Compass Online Banking and BBVA Compass Mobile Banking app provide convenient access to your accounts anytime, anywhere. 3. Free bill pay service to help you manage your bills and avoid late fees. 4. A debit card with EMV chip technology for added security when making purchases. 5. 24/7 customer support through phone, email, or live chat in case you need assistance. 6. Overdraft protection services to help you avoid overdraft fees by linking your account to a BBVA Compass checking or savings account with available funds. By choosing the Smart Money account, you can enjoy these features and benefits while managing your finances more effectively.