USAA Classic Checking Account
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| Community Rating | Strongly recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.01% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Number of Reviews | 13 |
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 are available in 50 states (and Washington, DC).
Key Takeaways
- Bonus offer. Open a new account and you can get
- Low APY. The maximum annual percentage yield for this account is only 0.01%.
- $0 monthly fee. This account does not charge any monthly account fees.
- 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 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 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 |
|---|---|
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USAA Classic checking FAQ
Are checking accounts from USAA federally insured?
Yes, your deposits 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?
| 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.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $1,000 |
What fees does USAA Classic checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2 |
| ATM Reimbursement Monthly Limit | $15 |
| Foreign Transaction Fee (Debit Card) | 1% |
| NSF Fee | $29 |
| Overdraft Item Fee | $29 |
| Overdraft Protection Fee (per transfer) | $0 |
| 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 |
| Paper Statement Fee | $10 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
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 rebates - 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
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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
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 USA - (210) 531-8722
- Visit Site
- Email Support
Other Services by USAA
View all checking accounts offered by USAA
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Opening Deposit | Starting at $25 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $1,000 |
USAA Classic Checking Account Community Reviews
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