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USAA Classic Checking Account

in Checking Accounts from USAA

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USAA Classic Checking Account

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in Checking Accounts from USAA

SuperMoney Net Recommendation Score +20% 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.

Mostly recommended

2 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: Out-of-Network $2
APY 0.01%
Number of Reviews 5

USAA Classic Checking Account Review

Where is USAA Classic Checking Account available?

USAA is based in San Antonio, TX. It was founded in 1922 and offers banking services in 50 states (and Washington, DC).

Is USAA Classic Checking Account insured by the FDIC

Deposits in USAA Classic Checking Account are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor.

What APY does USAA offer?

USAA Classic Checking Account Rates and Terms
Rates Amount
APY 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.
USAA Classic Checking Account Account Minimums
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.

USAA Classic Checking Account Fees
Fees Amount
ATM Out-Of-Network Fee $2
Non-Sufficient Funds $29
Overdraft Item Fee $25
Returned Deposit Fee (International) $5
Outgoing Domestic Bank Transfer Fee $20
Outgoing International Bank Transfer Fee $20
Paper Statement Fee $10

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.
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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • 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 Initial Deposit $25
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Balance to Avoid Monthly Fee $0
Monthly Fee $0
ATM Fee: In-Network $0
Overdraft Protection Fee (per transfer) $0
Early Account Closure $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - Domestic (Incoming) $0
Paper Statement Fee $10
ATM Fee: Out-of-Network $2
NSF Fee $29
Overdraft Item Fee $25
Returned Deposit Fee (Domestic) $5
Stop Payment Fee $29
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $20
Returned Deposit Fee (International) $5
Bank Account Features
  • ATM Reimbursement
  • Automatic Savings
  • Bauer Financial A+/A Rating
  • Branch Access
  • Debit Card
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • Get Paid Early
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
APY 0.01%

USAA Classic Checking Account Community Reviews

 
 

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Monthly Fee

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ATM Fee: Out-of-Network

APY

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Monthly Fee $0 Monthly Fee
Minimum Balance to Avoid Monthly Fee N/A Minimum Balance to Avoid Monthly Fee
ATM Fee: Out-of-Network $0 ATM Fee: Out-of-Network
APY 0.01% APY