USAA CLASSIC CHECKING
GET $250
when you apply for and open your first USAA Classic Checking account with qualifyingSee note1 direct deposit of $100 or more within the first 90 days. See Full Terms and Conditions below for more details.See note1
HOW IT WORKS IN 3 SIMPLE STEPS
APPLY AND OPEN AN ACCOUNT
Apply for and open your first USAA Classic Checking account with a minimum opening deposit of $25. See Full Terms and Conditions below for more details.See note1
SET UP DIRECT DEPOSIT
Set up and receive a qualifying direct deposit of $100 or more within 90 calendar days. See Full Terms and Conditions below for more details.See note1
GET REWARDED
Receive $250 bonus in your account within 60 days of your qualifying direct deposit.See note1
OTHER GREAT BENEFITS WITH USAA CLASSIC CHECKING
Get paid early
Get paid up to two days early when you set up direct deposit.See note2
Avoid ATM fees
Access to over 100,000 no surcharge-fee ATMs and up to $10 back on out-of-network ATM fees per monthly statement cycle.See note3
Keep more of your money
USAA Federal Savings Bank charges no monthly service fees to maintain your account.
24/7 fraud monitoring
We'll automatically send alerts for any suspicious activity on your account.
Proud to
serve you
A USAA membership gives its members and their eligible
family members the tools and financial products to
manage your finances, take care of your family, and save
for the future. No matter where you are in life, we're
ready to help.
USAA CLASSIC CHECKING
$250 BONUS
WHEN YOU APPLY AND OPEN
Apply and open your first USAA Classic Checking account and receive $250 when you make qualifyingSee note1 direct deposit in the first 90 days. See Full Terms and Conditions below for more detailsSee note1
APPLY NOW for a USAA Classic Checking account Not a member? Join now. It's free and easy.
DISCLOSURES
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1 Checking Cash Promotion Offer Terms and Conditions
Eligibility:
Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as USAA Bank, applied for between May 7, 2025, and September 3, 2025, by 11:59 PM Central Time. The account is not eligible for this offer if: 1) the primary account holder currently has, or has had, primary, secondary, or any other ownership of a USAA Bank checking account (including USAA Youth Spending accounts) in the 12 months prior to account opening; or 2) the account is titled as a trust account, estate account, Uniform Transfers to Minors Act account, or any other representative or fiduciary account. The primary account holder is the account holder whose U.S. taxpayer identification number is used for tax reporting purposes on the new account. The account must remain open and in good standing through the time we attempt to deposit any earned bonus payment.
Bonus Requirements and Payment:
To qualify for the bonus, apply for a new USAA Classic Checking account between May 7, 2025, and September 3, 2025, by 11:59 PM Central Time, open your account, and receive a qualifying direct deposit of at least $100 into the account within 90 calendar days after account opening. A qualifying direct deposit is a single Automated Clearing House, also known as ACH, electronic deposit of $100 or more. An electronic transfer initiated from your new USAA Bank checking account that instructs USAA Bank to pull funds from another financial institution into your account does not qualify as a direct deposit. Internal transfers between USAA Bank accounts do not qualify. We will attempt to deposit the $250 bonus into your qualifying new USAA Classic Checking account within 60 calendar days after the first qualifying direct deposit amount has been received. You are responsible for any federal, state, or local taxes due on the bonus and we will report the bonus as income to the tax authorities if required by applicable law. Consult your tax advisor.
Additional Terms and Conditions:
All account applications are subject to approval prior to opening and may be subject to a $25 minimum opening deposit. For USAA Classic Checking accounts with a daily ledger balance of $1,000 or more, the APY is 0.01%, accurate as of May 7, 2025. For current annual percentage yield or APY, refer to usaa.com/checking. Rates may change at any time. Fees may reduce earnings. Offer can't be paid without a valid U.S. taxpayer identification number or combined with any other offer related to checking accounts. This offer is limited to one bonus per account, on first eligible account only. If multiple accounts are opened during the offer period, only the first account applied for with the lowest account number will be eligible. Offer cannot be reproduced, purchased, sold, transferred or traded. See the Depository Agreement and Disclosures for terms and conditions of your USAA Classic Checking account. Offer may be discontinued or changed at any time without notice. -
2 Early access to direct deposit funds is subject to when USAA Federal Savings Bank receives notice of payment from the payer, which is generally one to two business days before the scheduled payment date. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.
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3 When you use a non-USAA Bank ATM outside of our preferred network, you may incur surcharge, usage, or other fees charged by the ATM operator or network. We refund up to $10 per monthly statement cycle in non-USAA Bank ATM surcharge or usage fees for transactions made at non-USAA Bank ATMs. 1% Foreign Transactions Fee may apply. See the Account and Service Fee Schedule for details.
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Visa is a registered trademark of Visa International Service Association and used under license.
The Contactless Indicator and Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.
Membership eligibility and product restrictions apply and are subject to change.
"USAA Bank" means USAA Federal Savings Bank.
Deposit products and services offered by USAA Federal Savings Bank, Member FDIC.
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