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USAA Classic Checking

Check out this $300 offer when you join USAA

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.

Become a member

Already a member? Apply now

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

   Become a member, then apply 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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The right 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.

Nationwide ATM network with no fees

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

USAA membership starts with family

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.

Not a member? Join USAA

More features made to simplify life

Members get the flexibility they need, wherever life takes them.‍ ‍ ^{See note 4} USAA Classic Checking has their backs 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.

USAA Safety Net is here when you need it

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}

Learn more