If you're not a USAA member, check to see if you can join.
Need an account for your child?
Teach your children the importance of money management with a USAA Youth Spending account.
Opening an account is fast and easy.
Steps to complete Opening an account is fast and easy.
Opening an account is fast and easy.
Steps to complete Opening an account is fast and easy.
An account created with the military in mind
USAA Classic Checking helps you and your family bank easier, so you can focus on your service.
- Manage your account and use USAA Pay Bills wherever your service takes you.
- Rest easy knowing we’re looking after your money while you protect our country.
An account created with the military in mind
USAA Classic Checking helps you and your family bank easier, so you can focus on your service.
- Manage your account and use USAA Pay Bills wherever your service takes you.
- Rest easy knowing we’re looking after your money while you protect our country.
Benefits for new military recruits
Let us honor your commitment with added benefits for newly enlisted members.
Apply for and open a checking account with $0 initial deposit. To get started, call us at 855-764-4667.
What fees does USAA Bank charge for checking accounts?
Keep more of your money with no monthly service fee, no low balance fee and more. We make it easy to understand what’s included and what may cost extra. For details, view the USAA Federal Savings Bank Account and Service Fee Schedule.
$0 fees
Monthly maintenance and monthly service
ATMs
Account inactivity
Incoming wire transfers
Low balances
Non-sufficient funds
Online bill pay
Overdraft protection transfers
Paper statements
Standard checks and debit cards
Standard fees
1% of the U.S. dollar amount for foreign transactions
$10 per official check and teller’s check
$20 per outgoing domestic wire transfer
$20 for expedited mail
$29 per day, per account for overdrafts
$29 per order to stop payments
$45 per outgoing international wire transfer
Current USAA Classic Checking rate
Daily ledger balance
|
$1,000 or more |
|---|---|
Annual Percentage Yield (APY)
|
§% |
Current USAA Classic Checking rate
| Daily ledger balance
|
Annual Percentage Yield (APY)
|
|---|---|
$1,000 or more |
§% |
| Daily ledger balance
|
$1,000 or more |
|---|---|
| Annual Percentage Yield (APY)
|
§% |
Annual percentage yields (APYs) are current as of §. Rates subject to change. Fees may reduce earnings.
USAA Classic Checking FAQ
To fund your checking or savings account, you can:
- Transfer money electronically from another USAA Bank account you own or from another bank.
- Connect an external account you own by entering your log in credentials.
- Use a debit or credit card to add up to $100.
Yes. After you open an account, you can add another USAA member as an account owner.
Before we can add them, they’ll need to electronically sign the documents we’ll send to their inbox.