USAA Classic Checking Account
in Checking Accounts from USAA
Would you recommend USAA Classic Checking Account to your friends?
| Community Rating | Mostly recommended |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $2 |
| APY (Annual Percentage Yield) | 0.01% |
| Number of Reviews | 6 |
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).
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 offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.01% |
USAA Classic Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum 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.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $25 |
| APY Minimum Balance | $1,000 |
What fees does USAA Classic Checking Account charge?
The good news is that this account does not charge a monthly maintenance fee.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $10 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $2 |
| NSF Fee | $29 |
| Overdraft Protection Fee (per transfer) | $0 |
| Overdraft Item Fee | $29 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $5 |
| Debit Card Replacement Fee | $0 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $29 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 1% |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Outgoing) | $20 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Returned Deposit Fee (International) | $5 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does USAA Classic Checking Account offer?
This account includes the following features:
- Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- 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 Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Get paid early - If you fund your account with a payroll direct deposit and request this service, you can collect your salary early.
- Mobile Banking Services - USAA Classic Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 - Visit Site
Other Services by USAA
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- 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 Initial Deposit | $25 |
| Minimum Balance to Avoid Monthly Fee | $0 |
USAA Classic Checking Account Community Reviews
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Monthly Fee
$0
Minimum Balance to Avoid Monthly Fee
N/A
ATM Fee: Out-of-Network
$0
APY (Annual Percentage Yield)
0.01%
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