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%
Disclaimer popup with additional information
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 #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.
| 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.
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 Cashbook Rewards checking
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Other Checking Accounts from USAA Federal Savings Bank
Bonus Offer
$200
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
USAA Cashback Rewards Checking Account Community Reviews
Would you recommend USAA Cashback Rewards Checking Account to your friends?
RH
Rana H.
Jan 21, 2021
May or may not recommend
I would highly recommend the USAA Cashback Reward Checking Account, for various reasons. For starters, the no-monthly service fee has been a huge saver for me. As someone who is paying off loans, this was a feature that took a load off my back, along with not having to meet a minimum balance requirement. This was actually my first Cashback Rewards Checking account after I graduated college and got my ...Show More
TM
Tommy M.
Dec 13, 2020
May or may not recommend
USAA Cashback Rewards Checking Account Checking is one of the best, if not the best service that I have ever used regarding a checking account. I encourage all to strongly consider obtaining a checking account with this service. They have great customer service and they truly care about their customers. Thanks!
DS
D S.
Dec 2, 2020
May or may not recommend
I really like this service! They are great for starting with, and they've managed to give me cash back. I really like how effective and efficient they are with questions. I had one and got a live body on the other line in minutes, which I can't say about some other banks I've used in the past.
DE
Dorcas E.
Nov 16, 2020
May or may not recommend
This is an outstanding bank. I chose to leave other banks for USAA because it was just not doing anything for me. I now have a checking account that I can access anywhere and anytime, with no monthly fee and ATM fee and I actually get a live person on the phone when I call. Imagine that! The website is very user friendly and customer service personnel are so knowledgeable. ...Show More
ST
Samuel T.
Nov 3, 2020
May or may not recommend
USAA is one of the few checking accounts that I can recommend to anyone, I rarely use the debit option on my bank card and since I do not have a dedicated USAA ATM to use when I travel. However, because I use the Classic Checking account, USAA refunds me of other banks' ATM charges on my account, sometimes it saves me up to $15-30 per month and that's impressive.
KH
Katherine H.
Oct 5, 2020
May or may not recommend
I have banked with USAA for fifteen years and have had nothing short of amazing experiences with the company as a whole. USAA is well ahead of the game, having had mobile deposit and banking for years before other banks adopted the idea. They always go above and beyond for their members, we are members for life!
U
Anonymous
Aug 20, 2020
May or may not recommend
I opened my account with Northpointe with the initial deposit of $100. I appreciate the features of being able to pay bills through my account with no additional charges. Additionally, I’m able to take out cash from any ATM, even if it’s not part of their network. Northpointe didn’t charge me for a debit card replacement too.
Showing 7 of 7 reviews
