Last Updated: 01/21/2026
USAA Cashback Rewards Checking Account
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Last Updated: 01/21/2026
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
0.1%
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APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
USAA Cashback Rewards Checking Account Review
The USAA Cashback Rewards Checking Account is offered by USAA Federal Savings Bank, a bank founded in 1922 and based in Phoenix, AZ. USAA Cashbook Rewards checking is available in 50 states and Washington, DC.
Key Takeaways
- 0.1% cash back. USAA Cashback Rewards Checking Account offers rewards on purchases (see terms and conditions for full details).
- 0% APY. As with most checking accounts, USAA Cashback Rewards Checking Account does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No ATM fees. USAA Cashback Rewards Checking Account does not charge fees on ATM transactions .
- Up to $15 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in USAA Federal Savings Bank mobile or online banking.
USAA Cashbook Rewards checking Pros & Cons
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USAA Cashbook Rewards checking FAQ
Are checking accounts from USAA Federal Savings Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does USAA Cashbook Rewards checking offer?
USAA Cashbook Rewards checking is not an interest-bearing account.
What are the account minimums for USAA Cashbook Rewards checking?
USAA Cashbook Rewards checking requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does USAA Cashbook Rewards checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Cashbook Rewards checking charge overdraft fees?
Yes, USAA Cashbook Rewards checking charges a $25 fee for every overdraft.What features and perks does USAA Cashbook Rewards checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $15.
- Fraud monitoring - USAA Cashbook Rewards checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - USAA Cashbook Rewards checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for USAA Cashbook Rewards checking?
The customer support email for USAA Cashbook Rewards checking is info@usaa.com.
How do people rate the customer service and user experience of USAA Cashbook Rewards checking?
Overall, USAA Cashbook Rewards checking is strongly recommended based on community reviews that rate customer service and user experience.
USAA Cashback Rewards Checking Account Disclosure: Out of Network ATM fee $2 after 10 withdrawals per month.
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