SuperMoney 

USAA Classic Checking Account

in Checking Accounts from USAA

Claimed Visit Site

USAA Classic Checking Account

Claimed

in Checking Accounts from USAA

SuperMoney Net Recommendation Score +33% 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

3 users recommend
2 users are unsure
1 user doesn't recommend
Cast your vote
Cast your vote

Would you recommend USAA Classic Checking Account to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
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?

USAA Classic Checking Account Rates & Terms
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.

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
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 $25
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

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 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
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $25
Paper Statement Fee $10
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $20
ATM Fee: Out-of-Network $2
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 (Annual Percentage Yield) 0.01%

USAA Classic Checking Account Community Reviews

 

Would you recommend USAA Classic Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Checking Accounts

Axos Bank Rewards Checking
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

USAA Checking Accounts

Product

Reviews

Monthly Fee

Minimum Balance to Avoid Monthly Fee

ATM Fee: Out-of-Network

APY (Annual Percentage Yield)