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  USAA Cashback Rewards Checking Account

USAA Cashback Rewards Checking Account

in Checking Accounts from USAA · fdic

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USAA Cashback Rewards Checking Account

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in Checking Accounts from USAA · Member FDIC

SuperMoney Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

7 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0%
Number of Reviews 7

USAA Cashback Rewards Checking Account Review

USAA Cashback Rewards Checking Account is offered by USAA, a financial services company founded in 1922 and based in San Antonio, TX. USAA Cashback Rewards Checking Account 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 details).
  • 0% APY. As with most checking accounts, USAA Cashback Rewards Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. USAA Cashback Rewards Checking Account does not charge fees on ATM transactions.
  • Up to $15 in ATM fee reimbursements. 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 through USAA.
USAA Cashbook Rewards checking Pros & Cons
Pros Cons
  • ATM fees reimbursed.
  • No minimum balances.
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Higher than average wire transfer fees.
USAA Cashbook Rewards checking FAQ

Are checking accounts from USAA federally insured?

Yes, your USAA checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #34351). 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 to open an account.

USAA Cashback Rewards Checking Account Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does USAA Cashbook Rewards checking charge?

The good news is that this account does not have a monthly Service Charge.

USAA Cashback Rewards Checking Account Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $15
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $10
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $0

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 reimbursement - This account will reimburse you for any 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 checks 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From USAA Cashback Rewards Checking Account

In 1922, when 25 Army officers met in San Antonio and decided to insure each other's vehicles, they couldn't have imagined that their tiny organization would one day serve millions of members and become one of the only fully integrated financial services organizations in America. Our San Antonio campus, which opened in the mid-1970's, is our headquarters. We also have offices across the United States and worldwide. USAA, a diversified financial services group of companies, is among the leading providers of insurance, investing and banking solutions to members of the U.S. military and veterans who have honorably served and their families.

Apply for USAA Cashback Rewards Checking with no monthly service fees, ATM Access, industrustry-leading security.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA

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View all checking accounts offered by USAA

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
ATM Reimbursement Monthly Limit $15
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $25
Paper Statement Fee $10
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $45
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
Cashback Rewards 0.1%

USAA Cashback Rewards Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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