
USAA Classic Checking Account
in Checking Accounts from USAA · Member FDIC
Would you recommend USAA Classic Checking Account to your friends?
Community Rating | Strongly recommended |
Monthly Fee | $0 |
ATM Fee: Out-of-Network | $2 |
Minimum Balance to Avoid Monthly Fee | $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).
- Low APY. The maximum annual percentage yield for this account is only 0.01%, and you must keep a minimum balance of $1000.
- $0 monthly fee. This account does not charge a monthly maintenance fee.
- $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- No ATM fees. USAA Classic Checking Account does not charge fees on 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.
Pros | Cons |
---|---|
|
|
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?
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 have a monthly service charge.
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) | $35 |
Wire Transfer Fee - International (Incoming) | $0 |
Returned Deposit Fee (International) | $5 |
Wire Transfer Fee - Domestic (Incoming) | $0 |
ATM Reimbursement Monthly Limit | $15 |
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 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 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
Would you recommend USAA Classic Checking Account to your friends?
USAA Checking Accounts
- Capital One Money Teen Checking Account
- Century Bank-Business Select
- Citibank Interest Checking
- Citizens National Bank PremierBlue Checking
- Delta Community Credit Union Personal Checking Account
- Desert Schools Federal Credit Union Checking Account
- Educators Credit Union Student Checking
- Members First Credit Union Fresh Start Checking
- Security Service Federal Credit UnionPower Protected Checking
- TCF Bank Premier Checking
- TCF Premier 62+ Checking
- Wings Financial Credit Union First Class Checking