Become a member, then apply and open your first USAA Classic Checking account with a minimum opening deposit of $25.
Zero monthly service fees
Keep more of your hard-earned money with no monthly fees.
USAA Federal Savings Bank
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
USAA Classic Checking
To get your bonus, apply for and open your first USAA Classic Checking account and set up a qualifying direct deposit. See note 1 Read full terms and conditions.
Apply between March 17, 2026 to June 16, 2026.
For more information, review the full terms and conditions. See note 1
Steps to complete How it works in 3 simple steps
Become a member, then apply and open your first USAA Classic Checking account with a minimum opening deposit of $25.
Set up and receive a qualifying direct deposit of $500 or more within 90 calendar days.
Receive a $300 bonus in your account within 60 days of your qualifying direct deposit.
Keep more of your hard-earned money with no monthly fees.
Get round-the-clock fraud monitoring and zero liability See note 2 on unauthorized debit card transactions that you report to us.
Choose from over 100,000 preferred ATMs. Get up to $10 back for non-network ATM fees per statement cycle. See note 3
Who can join?
If you served in the military, or your parent or spouse served and already joined USAA, you may be eligible for membership.
Why USAA?
Our products and services — including USAA Classic Checking — are designed to meet the higher standards of U.S. military members and their eligible families. It’s our mission to go above for those who go beyond.
Members get the flexibility they need, wherever life takes them. See note 4 USAA Classic Checking has their backs today, tomorrow and beyond.
Open a USAA Classic Checking account with just $25.
It’s your money, get it in your hands faster when you set up direct deposit. See note 5
Make transactions more convenient and more secure.
Your bank, your cards, your budget, all on your phone.
USAA Classic Checking’s Standard Overdraft comes with built-in support: an overdraft cushion up to $100 to help prevent overdraft fees. Because you deserve a bank who has your back when life happens. See note 6