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).

• 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 the ATM fees charged by other financial institutions.
• Free 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.
• Hard credit pull. USAA may require a hard pull on your credit report to open a checking account.

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 Account offer?

USAA Classic Checking Account 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 Account?

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

What fees does USAA Classic Checking Account charge?

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

Does USAA Classic Checking Account charge overdraft fees?

What features and perks does USAA Classic Checking Account offer?

This account includes the following features:

• ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks up to a monthly maximum of $15.
• Fraud monitoring - USAA Classic Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
• Free 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 Account 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 Account?

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

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

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