USAA Bank Checking Accounts
Forget monthly service fees.
Eliminate the hassle with one of our free accounts.
Explore Our Checking Accounts
Either account can be opened with a $25 initial deposit.
USAA Classic Checking
USAA Classic Checking is best for Those who frequently use ATMs outside the USAA-preferred network
- Get up to $15 in other banks' ATM fees refunded each month if you use an out-of-network ATM.See note1
- Earn interest Opens popup layer on balances of $1,000 or more.
USAA Youth Spending
USAA Youth Checking is best for Those who want an account for a child younger than 18
- Start preparing your children for financial success.
- Maintain account access with parental controls.
Benefits for All Checking Accounts
No Monthly Service Fees
There are no monthly service fees, regardless of how many features your account offers.
ATM AccessSee note1
Access to more than 60,000 USAA-preferred ATMs nationwide.
No Minimum Balance
There's no minimum balance requirement after opening your account.
Overdraft Protection
Avoid overdraft fees when you use a USAA Savings accountSee note2 or USAA credit cardSee note3 for protection.
Checking Accounts for New Recruits
Are You Joining the Military?
- We've got you squared away.
- Open an account with $0.
- Get a prefilled 1199A form.
- Get paid a day early.See note4
We make changing banks simple.
Once you're a member we'll help you transfer your accounts in three easy steps.
- step 1 Open a USAA Bank checking or savings account – or both.
- step 2 Use our Changing Banks tool to get set up.
- step 3 Enjoy managing your finances in one place.
Checking Rates
| Account Type | Daily Balance | A P Y |
|---|---|---|
| USAA Classic Checking | $1,000 or More | 0.01% |
| Youth Spending | $1,000 or More | 0.01% |
Variable annual percentage yields (APYs) are current as of 09/02/2019.
Rates are subject to change.
