USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

How it works in 3 simple steps

For more information, review the full terms and conditions.‍ ‍ ^{See note 1}

Steps to complete How it works in 3 simple steps

1. Apply and open an account

   Apply for and open your first USAA Classic Checking account with a minimum opening deposit of $25.

2. Set up direct deposit

   Set up and receive a qualifying direct deposit of $500 or more within 90 calendar days.

3. Get rewarded

   Receive a $300 bonus in your account within 60 days of your qualifying direct deposit.

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A better way to bank

Zero monthly service fees

Keep more of your hard-earned money with no monthly fees.

24/7 fraud monitoring and zero liability

Get round-the-clock fraud monitoring and zero liability‍ ‍ ^{See note 2} on unauthorized debit card transactions that you report to us. 

No-fee ATM network

Choose from over 100,000 preferred ATMs. Get up to $10 back for non-network ATMs per statement cycle.‍ ‍ ^{See note 3}

Smart features built to simplify life

Get the flexibility you need — wherever life takes you.‍ ‍ ^{See note 4} USAA Classic Checking has your back today, tomorrow and beyond. 

$25 minimum deposit

Open a USAA Classic Checking account with just $25. 

Get paid up to 2 days early

It’s your money, get it in your hands faster when you set up direct deposit.‍ ‍ ^{See note 5}

Tap to pay

Make transactions more convenient and more secure. 

Easy-to-use mobile banking

Your bank, your cards, your budget, all on your phone. 

Convenience and security where it counts

Peace of mind comes standard with 24/7 fraud monitoring. Secure digital banking helps give you the protection your hard-earned money deserves plus easy account access online or on your phone. 

Apply now  for a USAA Classic Checking account