Savings Accounts

A minimum deposit of $25 is needed to open a USAA Savings or a USAA Youth Savings account. To fund your account you can use:

• An existing USAA FSB account.
• Any USAA Bank credit card, up to $100.
• A Visa® or Mastercard® from another bank, up to $100.^{See note2}
• An account at another bank that you can use for transfers.

For a USAA Performance First Savings account, the minimum opening deposit is $10,000. If you apply online you must fund this account from your existing USAA FSB checking or savings account. If you want to explore other funding options, please call us at 800-531-USAA (8722).

Making deposits into your account is as simple as earning the interest on your growing balance. With a USAA Savings account you can:

• Transfer money electronically from another USAA FSB account you own or from another bank.
• Snap a picture of a check using our free Deposit@Mobile®^{See note1} feature in the USAA Mobile App.
• Deposit at select USAA ATMs.
• Set up a direct deposit using your savings account's unique account number located in statements, and USAA's routing number: 314074269.
• Please remember that your account number is NOT your USAA number or your Social Security number

No. Every USAA FSB savings account comes with a ATM card upon request that lets you withdraw cash from your savings account. You can also use your ATM card to make deposits into your savings account at select USAA ATMs. ATM cards for savings accounts can't be used for in-store or online purchases.

Yes. USAA FSB savings accounts earn interest. Interest begins accruing on the business day USAA FSB receives the deposit.

Check out our current savings rates.

If you'd like to open an account for your child who is under 18 you can try a USAA Youth Savings account.