Skip to Content

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

Get $250 with your first USAA Classic Checking account.

Just apply for and open your first USAA Classic Checking account and set up a qualifying direct deposit.‍ ‍ See note 1 Apply between May 7, 2025 and Sept. 3, 2025. Read our Terms and Conditions.

A USAA Classic Checking account works for you.

Avoid ATM fees

Access over 100,000 preferred ATM's nationwide. If you have to use an ATM outside the network, we'll refund you up to $10 in ATM fees per statement cycle.‍ ‍ See note 2

Get paid early

Payday comes up to 2 days sooner when you set up direct deposit.‍ ‍ See note 3

Shop worry-free

You’re not responsible for unauthorized charges that you report to us for your debit card.‍ ‍ See note 4

Need an account for your child?

Teach your children the importance of money management with a USAA Youth Spending account.

 

Learn more about youth checking

An account that fits your everyday life

Bank securely with a USAA Classic Checking account and the USAA Mobile App.

Money management tools

Create a budget, track spending and pay bills with our free tools. To get a full picture, you can even add your accounts at other institutions.

Digital wallet

Make purchases any time, any way when you add your debit card to your phone’s digital wallet.

Tap to pay

Make fast, secure, touch-free payments with contactless cards.

Mobile deposits

Use your smartphone to deposit checks into your account.‍ ‍ See note 5

Zelle®

Send or receive money right from our mobile app with Zelle®.‍ ‍ See note 6 It’s fast and free.

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.

USAA Classic Checking FAQ

To fund your 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.

Related advice articles

What is a checking account?

Article: 6 minutes

Read article: What is a checking account?

What's the difference between checking and savings?

Article: 6 minutes

Read article: What's the difference between checking and savings?

7 advantages of having a checking account

Article: 4 minutes

Read article: 7 advantages of having a checking account

Related banking needs

Resources

Services