Checking Accounts: No Monthly Service Fees | USAA
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USAA Classic Checking account

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

  • Avoid ATM Fees

    Access over 100,000 preferred A T Ms nationwide. Plus if you have to use an ATM outside our preferred network, we'll refund up to $10 per statement cycle.See note1

  • Early Payday

    Payday comes up to two days sooner when you set up direct deposit. Limitations apply.See note2

  • Zero Liability

    Shop worry-free and enjoy zero liability when you use our debit card.See note3

Need an account for your child?

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

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 note4
  • 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 note5
  • Track and pay your bills.
  • Send and receive money with Zelle®.See note6

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 06/02/2024.
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.

Open an account in three easy steps.

  1. Step 1: Log on to get started.

    If you're not a USAA member, see if you can join.

  2. Step 2: Apply for an account.

    We'll ask for your full name, address, date of birth and other identifying information.

  3. Step 3: Add money to the account.

    Make a deposit of at least $25 using a checking, savings, Visa® or Mastercard® account.See note7

Apply now for a USAA Classic Checking account
Not a member? Join USAA

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