Free Checking Accounts: No Monthly Fees

Free Checking With USAA Bank

Apply for a checking account today with as little as $25 and get these features.

No Monthly Service Fees
You won't pay any monthly service fees, regardless of how you use your account.
ATM Access
Access to more than 60,000 USAA-preferred ATMs nationwide. Plus, if you have to use another ATM, we'll refund up to $15 in other banks' ATM fees per month.^{See note1}
No Minimum Balance
It's only $25 to open an account. After that, you won't need to keep a minimum balance.
Overdraft Protection
Use your USAA Savings^{See note2} or credit card^{See note3} account to protect yourself from overdraft fees.
Industry-Leading Security^{See note4}
Help keep your account information safe with biometrics, Quick Logon and CyberCode Texts.
Benefits for New Recruits
Get a prefilled 1199A and get paid a day early.^{See note5} Plus, new recruits don't need an opening deposit.

View Basic Account Terms and Fees View Interest Rates

Banking at Your Fingertips

Life just became easier. Save time and money using our free mobile banking tools.

Zelle®

Pay Bills

Apple Pay™, Google Pay™ & Samsung PaySee notes ^{See note8}^{See note,}^{See note9}^{See note,}^{See note10}

USAA Mobile Deposits

Quick Balance Widget

Track Your Spending

Easy Access to Cash

Our network of USAA ATMs make it easy to get money near home or on the go.

Find an ATM

Switching to USAA Bank Is Simple

It's easy to set up your account with direct deposit, automatic bill payments and more.

Find Out How

Note 1 USAA Bank does not charge a fee for the first 10 ATM withdrawals. Subsequent withdrawals will be charged $2 each except when made at any USAA Bank-owned ATM. USAA Bank also refunds up to $15 in other banks' ATM usage fees for transactions at ATMs in the United States. The ATM fee refund does not apply for the month in which the account is closed. The ATM fee refund does not apply to USAA Cashback Rewards Checking. A 1% foreign transaction fee applies to withdrawals outside the United States.

Note 2 Savings accounts are limited to six debit transactions per monthly statement cycle.

Note 3 Refer to your credit card agreement for interest, fees and charges associated with credit card.

Note 4 Not all security features may be available for your device.

Note 5 Pay-a-Day early is subject to when USAA FSB receives pay information from DFAS.

Note 6 Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Note 7 USAA Pay Bills requires an address in the U.S., a U.S. territory, or APO/FPO.

Note 8 Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Note 9 Android, Google Pay and Google Play are trademarks of Google LLC.

Note 10 Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay support page for compatibility information.

Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

Note 11 Eligibility for USAA Deposit@Mobile^® and Deposit@Home^® will be based on your account history with USAA Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile and Deposit@Home products, including the corresponding portions of this website or application, may be covered by one or more of the following United States Patents.

Note 12 Account access restrictions may apply to mobile/web access in certain countries.

Note 13 USAA® Money Manager is a data aggregation service and does not provide any investment advice.

Note 14 Information on non-USAA accounts is governed by the Non-USAA Account Access Agreement. USAA's personal financial management services are not sponsored or endorsed by any third party.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of "Honorable". Eligible former dependents of USAA members may join USAA.

Credit cards issued by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC.

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Usaa Classic Checking

We Believe in Free Checking That Saves You Money

Free Checking With USAA Bank