USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

How it works in 3 simple steps

Steps to complete How it works in 3 simple steps

1. Apply and open an account

   Apply for and open your first USAA Classic Checking account with a minimum opening deposit of $25. Read full terms and conditions.‍ ‍ ^{See note 1}

2. Set up direct deposit

   Set up and receive a qualifying direct deposit of $100 or more within 90 calendar days. Read full terms and conditions.‍ ‍ ^{See note 1}

3. Get rewarded

   Receive a $200 bonus in your account within 60 days of your qualifying direct deposit.‍ ‍ ^{See note 1}

Other great benefits with USAA Classic Checking

Get paid early

Get paid up to 2 days early when you set up direct deposit.‍ ‍ ^{See note 2}

Avoid ATM fees

Access over 100,000 no-fee ATMs and get up to $10 back on out-of-network ATM fees per monthly statement cycle.‍ ‍ ^{See note 3}

Keep more of your money

USAA Federal Savings Bank charges no monthly service fees to maintain your account.

Get 24/7 fraud monitoring

We'll automatically send alerts for any suspicious activity on your account.‍ ‍ ^{See note 4}

Unlock your $200 bonus 

Apply for and open your first USAA Classic Checking account and receive $200 when you make a qualifying‍ ‍ ^{See note 1} direct deposit in the first 90 days. Read the full terms and conditions.‍ ‍ ^{See note 1}

Apply now for a USAA Classic Checking account