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  USAA Classic Checking Account

USAA Classic Checking Account

in Checking Accounts from USAA · fdic

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USAA Classic Checking Account

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in Checking Accounts from USAA · Member FDIC

SuperMoney Net Recommendation Score +56

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +56, equating to 4.1 on a 5 point rating scale.

+56

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

6 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.01%
Number of Reviews 9

USAA Classic Checking Account Review

USAA Classic Checking Account is offered by USAA, a financial services company founded in 1922 and based in San Antonio, TX. USAA Classic Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No ATM fees. USAA Classic Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2 for out-of-network 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.
  • Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
USAA Classic checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • 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.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
USAA Classic 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 Classic checking offer?

USAA Classic Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

USAA Classic checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $1000.

What are the account minimums for USAA Classic checking?

USAA Classic checking requires a minimum initial deposit of $25 to open an account.

USAA Classic Checking Account Minimums
Description
APY Minimum Balance $1,000
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does USAA Classic checking charge?

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

USAA Classic 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 $29
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) $35
ATM Fee: Out-of-Network $2

Does USAA Classic checking charge overdraft fees?

Yes, USAA Classic checking charges a $29 fee for every overdraft.

What features and perks does USAA Classic 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 Classic 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.
  • Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
  • Mobile Banking Services - USAA Classic 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 Classic checking?

The customer support email for USAA Classic checking is info@usaa.com.

How do people rate the customer service and user experience of USAA Classic checking?

Overall, USAA Classic checking is strongly recommended based on community reviews that rate customer service and user experience.

USAA Classic Checking Account Disclosure: Membership is open to active and former military, eligible family members, and cadets or midshipmen.
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 Classic Checking Account

Checking accounts could help with your spending needs by offering debit cards, paper checks, online bill payments options and more. 

USAA Classic Checking, Get an account with no monthly service fees. You won't pay any monthly service fees, regardless of how you use your account. Access more than 60,000 USAA-preferred ATMs nationwide. Plus, if you have to use another ATM, we'll refund up to $15 in other banks' ATM fees per month. If you're active military, you can get paid a day early if you set up direct deposit. Start better banking today.

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

APY Minimum Balance $1,000
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
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 Reimbursement Monthly Limit $15
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
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) $35
ATM Fee: Out-of-Network $2
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Automatic Transfers
  • Get Paid Early
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.01%

USAA Classic Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +56, equating to 4.1 on a 5 point rating scale.

+56

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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