For U.S. Residents Only
A checking account that saves you money
Account Type: Retail Demand Deposit Account
Minimum Balance Requirement: None
Monthly Service Fee: $0
ATM Transaction Fee: In addition to 10 free withdrawals from more than 60,000 USAA-preferred ATMs, USAA will refund up to $15 per month of other United States domestic banks' ATM usage fees.
Minimum Amount To Open: as little as $25
No monthly service fee
With USAA Classic Checking you dont have to worry about paying for a monthly service fee regardless of how many transactions you make or how many features it provides you. It's a checking account that saves you money.
No minimum balance requirement
Avoid paying a fee or penalty for not having the required minimum daily balance or average daily balance in your demand deposit account. USAA Classic Checking let's you spend every penny you save.
Free ATMs Nationwide
Truly a money-saving account! In addition to the 10 FREE withdrawals from more than 60,000 USAA-preferred ATMs, USAA will refund up to $15 per month of other United States domestic bank's ATM usage surcharge.
Earn while you save
Your USAA Classic Checking is an interest bearing account that let's you earn when the daily balance is $1,000 or greater. It's a great tool for you to earn more while you're saving.
Account Terms and Fees
Fees |
Amount |
Details |
|---|---|---|
| Minimum Deposit To Open | $25 | Minimum deposit amount is waived to new recruits; "A new recruit is an individual who has signed enlistment papers (DD4 form) and would otherwise be eligible as a USAA member as soon as they report to basic training. Account will close after 180 business days if never funded." |
| Monthly Service Fee | $0 | |
| Interest Bearing | Yes | Interest is earned when the daily balance is $1,000 or greater. |
| Returned Deposit Item Fee | $5 | Fee is imposed if a deposit |
| USAA Pay Bills Service | $0 | You can pay your internal or external bills with your USAA Checking Account. |
| Stop Payment Fee | $29 | Charged for every checks or ACH debit you requested to place a stop payment on |
| Account Closing Fee | $0 | |
| USAA ATM Fee | $0 | All Withdrawals |
| Non-USAA ATMs | $0 | First 10 withdrawals per monthly statment cycle |
| ATM Rebate | $15 | 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." |
| Foreign Transaction Fee | 1% | "Applies to debit card or ATM transactions with a merchant or ATM in a foreign country, whether the transaction is originally made in US dollars or converted from foreign currency." |
| Overdraft Transfer Fee | $0 | "Per overdraft covered by a transfer from a linked USAA Checking or Savings account. Savings accounts are limited to six debit transactions per monthly statement cycle." |
| DBC Purchases and ATM Withdrawals | $0 | The is no cost if your debit card or ATM transaction is declined at point of sale if there is not enough funds in the account. |
| Extended Overdraft Fee | $0 | A fee charged for every day your account is overdrawn. |
| Overdraft Fee (OD Fee — Item Paid) | $25 | Charged each time you overdraw your account and USAA Bank, in its sole discretion, elects to cover it. |
| Maximum Number of Overdraft Fees per Day | 2 | You will only be charged two overdraft fees per day, even if we elect to cover additional overdrafts. |
| Minimum Amount Required to Trigger an Overdraft Fee | $5 | If you overdraw $5 or less and we choose to cover the transaction, you will not incur an overdraft fee. |
| Nonsufficient Funds Fee (NSF Fee — Item Returned) | $29 | You will be charged a fee for every check or withdrawal returned unpaid. |
For more details please refer to USAA Basic Account Terms and Fees.
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