Banking for your everyday life.

Join a bank that saves you money.

In one year, USAA Bank saved its members over $345,000,000.Savings figure based on USAA Bank ATM rebates and other monthly checking account and service fees not charged to USAA Bank customers compared to checking account and other service fees charged by other financial institutions as based on a 2015 industry benchmark study.

Checking

Our free checking is designed around your needs.

Your checking account is the core of your financial life. Make sure it's with a bank you can trust.

Learn More About Checking

A Free Checking Account That Saves You Money

  • No monthly service fees
  • No minimum balance requirements.
  • Free ATMs nationwide.USAA Bank does not charge a fee for the first 10 ATM withdrawals. Subsequent withdrawals will be charged $2 each except when made at any USAA Bank-owned ATM. USAA Bank also refunds up to $15 in other banks' ATM usage fees for transactions at ATMs in the United States. The ATM fee refund does not apply for the month in which the account is closed. The ATM fee refund does not apply to USAA Cashback Rewards Checking. A 1% foreign transaction fee applies to withdrawals outside the United States.
  • Free direct deposits.
  • Free transfers and bill payments.Savings accounts are limited to six debit transactions per monthly statement cycle.

Keep your budget on track easily with your account service fee schedule

View Account Service Fee ScheduleView Checking Account Rates

Deposits are Easy and Convenient

  • Deposit@Mobile® lets you take a picture of your check from our mobile app if you qualify.Eligibility for USAA Deposit@Mobile® will be based on your account history with USAA Bank. Deposits may not be available for immediate withdrawal.
  • Direct Deposit can be set up for your paycheck. We make it easy with our prefilled forms.
  • Deposit-capable ATMs can take cash or checks.

Free Tools Available Online and On the Go

Pay Anyone

  • Pay and manage your bills with  USAA Pay Bills®.USAA Pay Bills requires an address in the U.S., a U.S. territory, or APO/FPO.
  • Send Money to anyone from your phone using an email or mobile number.
  • Use our Mobile Wallet options to securely pay stores with just a tap of your finger. Learn more about Apple Pay™, Android Pay™ and Samsung Pay™.Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.,Android Pay™ is available on NFC-enabled Android devices with an Android 4.4 (Kit Kat) or higher operating system. Android Pay is a trademark of Google Inc.,Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay support page for compatibility information.

    Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

Learn More About USAA Mobile

Personal Budgeting Tools

  • View balances and activity for all of your accounts, even accounts from other banks.
  • Set up a spending plan to help you stay on track.
  • Get alerts about your spending.
  • Overdraft protection options.Overdraft protection requires a second account number to charge for overdrafts.

Learn More About USAA® Money ManagerUSAA Money Manager is not an investment advisory service of USAA. Information on non-USAA accounts is governed by the User Agreement. USAA's personal financial management services are not sponsored or endorsed by any third party.

 

Further Information

Free ATMs Nationwide

Get free use of 60,000 USAA-preferred ATMs nationwide. Plus, if you have to use another ATM, we'll refund other banks' ATM fee.USAA Bank does not charge a fee for the first 10 domestic ATM transactions; a $2.00 fee will be assessed per transaction thereafter.

Locate an ATM

Switch To USAA Bank

It's easy to switch to USAA Bank — we'll help you.

Find Out How to Switch to USAA Bank

Secure Banking

Stay a step ahead of cyber criminals with our online security tools.

Learn More About Security Products and Services
 

Open an account in less than five minutes.

 

Savings

Helping you with your financial decisions is our goal.

Financial strength starts with saving. As a strong, stable bank you can trust, we're ready to answer the call.

Learn More About Savings

Access your money instantly.

  • Free ATMs nationwide. Use any ATM for free and we'll even refund other banks' ATM fees.USAA Bank does not charge a fee for the first 10 domestic ATM transactions; a $2.00 fee will be assessed per transaction thereafter.
  • Mobile banking, USAA iPad®app, and online access make it quick and easy to check your accounts.

Deposit money anywhere, anytime.Account access restrictions may apply to mobile/web access in certain countries.

  • Qualified members can deposit checks from their smartphone with Deposit@mobile®.Eligibility for USAA Deposit@Mobile® will be based on your account history with USAA Bank. Deposits may not be available for immediate withdrawal.
  • Deposit cash or checks at our USAA deposit-capable ATMs or at a USAA Financial Center ATM.

Manage your money with our online tools.

  • Goals Planning Tools makes it simple to set realistic goals and take action to achieve them.
  • Transfer to your USAA accounts from any bank account nationwide. Savings accounts are limited to six debit transactions per monthly statement cycle.
  • Get added security with our free account alerts.
 

Further Information

Youth Savings

Teach your children how to save with a USAA Youth Savings Account

Learn More about USAA Savings Accounts

How strong is your password?

Use our password strength tool to find out.

Learn More about Security Tools from USAA

 

Open an account in less than five minutes.

 

Credit Cards

A credit card is only as good as the bank that stands behind it.

We offer low rates and superior service with every credit card. Just what you'd expect from an institution guided by military values.

Rates you can count on.

  • Qualify for variable rates as low as 7.90 % APR.Offer subject to approval. APRs will vary with the market based on Prime Rate. There is a balance transfer fee of 3% of the amount of each balance transfer and each convenience check (maximum $200 per transfer/check). There is no grace period for cash advances or balance transfers.
  • Get the same low rates on purchases, balance transfers, and cash advances.
  • No penalty APRs.
  • No annual fee

Get rewards for your loyalty.

  • Redeem points for cash directly from your mobile device. Other redemption options like travel, gift cards, and more are available online.
  • Get 2,500 points after your first purchase and one point for every dollar you spend with USAA Rewards.You will earn reward points based on your qualifying purchases. Certain restrictions apply, including limitations if your account becomes delinquent or closed. See your USAA Rewards Program Terms and Conditions, which will be provided with your card, for more information.
  • Choose Cash Rewards and earn up to 1.25% cash back on your everyday purchases.You will earn Cash Back ranging from 0.45% to 1.25% based on your Qualifying Purchases. Additional 1% rebate applies to purchases that the merchant properly codes as gas and grocery purchases. Businesses are generally put into merchant categories according to what they primarily sell. Although a merchant (or the goods or services it sells) may appear to fit in a gasoline or grocery category, American Express may classify the merchant differently. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. See your USAA Cash Rewards Program terms and conditions, which will be provided with your card, for more information.

Advantages for active military.

  • Benefit from special deployment and PCS rates up to 12 months.
  • Get SCRA rates of 4% APR. That's lower than most other banks.

Special Bank Benefits for Military Opens New Window

 

Further Information

Get up to 20% in rewards when you use your USAA Rewards Credit Card

Learn More About USAA MemberShop

USAA App for iPad

Powerful tools. Insightful articles. Easy account access.

View Video About USAA iPad App (Opens Pop-up Layer) 

 
 

Loans and More

We're here to serve you through every stage of life.

Our products and services reflect core values you can bank on.

Whether you're just starting out, switching from another bank or already banking with us, everything you need to keep your financial life in order is at your fingertips online. Plus, USAA Bank is online and goes where you go — from the mobile phone in your pocket to the ATM down the street. You'll love it.

Auto and Personal Loans

When you need a loan.

  • Low rates on auto loans and personal loans.
  • 100% financing on new and used cars.Loans and up to 100% financing subject to credit and property approval. Total loan amount cannot exceed USAA's determination of vehicle's value plus tax, title and license.
  • Great savings with the USAA Car Buying Service.

Home Loans

Buying and owning a home.

  • Buy or sell with USAA Real Estate Rewards Network and receive a $350 to $6,000 reward. USAA Real Estate Rewards Network is offered by USAA Residential Real Estate Services, Inc., a licensed real estate broker and subsidiary of USAA Federal Savings Bank. Program may be unavailable for employer-sponsored relocations. Not available for transactions in Iowa or outside the United States. This is not a solicitation if you are already represented by a real estate broker.,Obtaining a mortgage from USAA Federal Savings Bank is optional, not required to utilize the USAA Real Estate Rewards Network, and can be acquired from other sources.
  • Mortgages with low member-only rates and closing costs.

Certificates of Deposit

Grow your savings.

  • Low risk; guaranteed return.
  • Higher rates for higher balances.
  • Open a CD account with as little as $250.

Don't just take our word for it.— here are 4 expert endorsements.

Temkin Ratings

  USAA ranked in the top 10% for banks in customer experience ratings.  

(Temkin Group, 2016 Temkin Experience Ratings)

Javelin Strategy and Research

  USAA named best overall mobile banking leader.  

(2016 Javelin Strategy & Research)

 USAA ranked No.4 in overall reputation strength.  

(The 2016 Harris Poll Reputation Quotient® study)

 
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Switch to USAA Bank

It's easy. Once you open a USAA account, we'll help you:

Set up direct deposit

Whether you drop off paychecks at the bank or have direct deposit set up at another institution, it is easy to get your paychecks electronically deposited.

Complete a funds transfer

Set up a non-USAA account to be available for transferring funds into this account. Once verified, you can start using the account.a

Get started with USAA Pay Bills®

Why log on to multiple websites to pay your bills? With USAA Pay Bills, you can set up one-time bill payments or even automatic payments to recurring payees. We'll pay your bills on time electronically or by mail — guaranteed.b

Monitor your accounts with alerts

Want to know right away when your account balance is low or a large purchase is made? What about when a deposit comes in or a check clears? We can send you alerts by text message or email. Just let us know which alerts you want and how often to send them.

a  Process to verify external accounts may take up to three days.
b  Guarantee covers up to $50 in fees you incur if properly scheduled payments are not paid on time.

 
Availability restrictions apply, and purchase of a bank product does not establish eligibility for or membership in USAA property and casualty insurance companies.Reward offer limited in some states. Reward amount is based on sale price of home sold or purchased and cannot exceed $24,000 per transaction. To receive the maximum amount offered of $24,000, the sale price of the home sold or purchased must be $4 million or more. As of August 2017, the average member closing in the program received $1,228. Real estate agent fees still apply. The reward is not available in Alaska, Louisiana, Mississippi or Oklahoma. In Kansas and Tennessee, a gift card will be issued that is accepted at specific retailers. In Oregon, a commission reduction may be available at closing. In New Jersey, a commission credit may be available at closing. Please check with the program coordinator for details. You must be enrolled in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the reward. Reward not available to sellers in a short sale transaction. In certain states, buyers may need seller cooperation in order to participate in the reward program. Availability restrictions apply.Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.The trademarks, logos and names of other companies, products and services are the property of their respective owners.Credit cards issued by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC.
USAA is an Equal Housing Lender235696-1016
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