Checking Accounts: No Monthly Service Fees

USAA Classic Checking

Apply today with as little as $25 to enjoy these benefits.

No Monthly Service Fees

No monthly charge to maintain your account.
Avoid ATM Fees

Access over 100,000 preferred ATMs nationwide. Plus if you have to use an ATM outside our preferred network, we'll refund up to $10 per statement cycle.^{See note2}
Early Payday

Payday comes up to two days sooner when you set up direct deposit. Limitations apply.^{See note3}
Zero Liability

Shop worry-free and enjoy zero liability when you use our debit card.^{See note4}

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

Get free spending plan tools.

We've designed a suite of digital tools to help you track spending across all your accounts.

See your USAA and non-USAA accounts in one place.^{See note5}
Customize your budget.
Track your spending.

Save time when you tap to pay.

Our contactless debit cards make paying for things fast, secure and touch free.

Learn about contactless cards

Simplify your finances as a new recruit.

Let us honor your commitment with added benefits for newly enlisted members. Apply for and open a checking account with $0 initial deposit. Call us at 855-764-4667 to get started.

Access and manage your checking account online.

Get the features you need to bank online securely with a USAA Classic Checking account and the USAA Mobile App.

Add your debit card to your digital wallet.
Make deposits using Deposit@Mobile®.^{See note6}
Track and pay your bills.
Send and receive money with Zelle®.^{See note7}

Rates for USAA Classic Checking account

Rates for USAA Classic Checking account
Daily Ledger Balance	Annual Percentage Yield (APY)
$1,000 or more	0.01%

Variable APYs are current as of 02/19/2024.
Rates are subject to change. Fees may reduce earnings.
View account terms and fees (PDF Opens in New Window)

Add a savings account to get the most out of checking.

You can apply for a savings account at the same time you apply for a checking account. Combining accounts can help you manage money and create an emergency fund. You can also set up automatic transfers from your checking to make saving money effortless with USAA Savings Tools.

Learn more about savings accounts

Open an account in three easy steps.

Step 1: Log on to your account.
If you're not a USAA member, see if you can join.
Step 2: Apply for an account.
We'll ask for your full name, address, date of birth and other identifying information.
Step 3: Add money to the account.
Make a deposit of at least $25 using a checking, savings, Visa® or Mastercard® account.^{See note8}

Apply now for a USAA Classic Checking account

Not a member? Join USAA

USAA Classic Checking frequently asked questions

Expand all frequently asked questions

Can I mail my initial deposit?

Does it cost anything to set up overdraft protection?

Can I add someone to my account after it's open?

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Note 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 FSB, opened between October 11, 2023, and March 14, 2024. The account is not eligible for this offer if: 1) the primary account holder of the newly-opened account currently has, or has had, ownership of a USAA FSB checking account in the 12 months prior to new account opening — the primary account holder is the account holder whose U.S. taxpayer identification number is used for tax reporting purposes on the new account; or 2) the account is titled as a trust account, estate, Uniform Transfer to Minor Account, also known as UTMA, or other fiduciary account. The new USAA Classic Checking account must remain open and in good standing through the time we attempt to deposit any earned bonus payment. Offer may be discontinued or changed at any time without notice.

Bonus Requirements and Payment:
To qualify for the bonus, open a new USAA Classic Checking account between October 11, 2023, and March 14, 2024, and receive a qualifying direct deposit into the new USAA Classic Checking account within 180 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. We will attempt to deposit the $200 bonus into your new USAA Classic Checking account within 60 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 and may be subject to a $25 minimum opening deposit. For Annual Percentage Yield, refer to usaa.com/checking. Offer can't be paid without a valid U.S. taxpayer identification number or combined with any other offer related to consumer deposit accounts. Offer is limited to one bonus per member, one bonus per account, on first eligible account only. Offer cannot be reproduced, purchased, sold, transferred or traded. See the USAA FSB Depository Agreement and Disclosures for terms and conditions of your USAA Classic Checking account.

Note 2 When you use a non-USAA ATM outside of USAA's preferred network, you may incur surcharge, usage, or other fees charged by the ATM operator or network. FSB refunds up to $10 per monthly statement cycle in non-USAA ATM surcharge or usage fees for transactions made at non-USAA ATMs. 1% Foreign Transactions Fee may apply. See the Account and Service Fee Schedule for details.

Note 3 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.

Note 4 You are not liable for unauthorized use of a debit card that you report to us. "Unauthorized use" means the use of a debit card by someone other than you without actual authority to use the debit card and from which you receive no benefit. It does not include use of a debit card (1) by a person who was furnished the debit card by you unless you notified us that transfers by that person are no longer authorized or (2) with fraudulent intent by you or any person acting in concert with you.

Note 5 Information on non-USAA accounts entered into the Tool by the Non-USAA Account Access Agreement is governed by the Non-USAA Account Access Agreement. USAA's personal financial management services are not sponsored or endorsed by any third party.

Note 6 Eligibility for USAA Deposit@Mobile^® will be based on your account history with USAA Federal Savings Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile product may be covered by one or more of the following United States Patents.

Note 7 Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Note 8 The trademarks, logos and names of other companies, products and services are the property of their respective owners.

Note 9 Overdraft protection requires a second USAA Bank deposit or credit card account from which to transfer funds to pay the overdraft. USAA Bank does not charge a fee for these transfers; however, you may be subject to interest or other charges associated with transfers from your USAA Bank credit card account, which are treated as cash advances. See your USAA Credit Card Agreement for more information on these charges.

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

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.

Credit cards are issued by USAA Savings Bank and serviced by USAA Federal Savings Bank. Other bank products are provided by USAA Federal Savings Bank. Both banks are Member FDIC.

211807

Checking

Get $200

USAA Classic Checking

No Monthly Service Fees

Avoid ATM Fees

Early Payday

Zero Liability

Need an account for your child?

Get free spending plan tools.

Save time when you tap to pay.

Simplify your finances as a new recruit.

Access and manage your checking account online.

Rates for USAA Classic Checking account

Add a savings account to get the most out of checking.

Open an account in three easy steps.

Step 1: Log on to your account.

Step 2: Apply for an account.

Step 3: Add money to the account.

USAA Classic Checking frequently asked questions

Related advice articles

What is a checking account?

What's the difference between checking and savings?

7 advantages of having a checking account

Keep more of your money with a USAA Classic Checking account.

Related banking needs

Resources

Services

Checking

Get $200

USAA Classic Checking

No Monthly Service Fees

Avoid ATM Fees

Early Payday

Zero Liability

Need an account for your child?

Get free spending plan tools.

Save time when you tap to pay.

Simplify your finances as a new recruit.

Access and manage your checking account online.

Rates for USAA Classic Checking account

Add a savings account to get the most out of checking.

Open an account in three easy steps.

Step 1: Log on to your account.

Step 2: Apply for an account.

Step 3: Add money to the account.

USAA Classic Checking FAQfrequently asked questions

Related advice articles

What is a checking account?

What's the difference between checking and savings?

7 advantages of having a checking account

Keep more of your money with a USAA Classic Checking account.

Related banking needs

Resources

Services

USAA Classic Checking frequently asked questions