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Get $200 with your first USAA Classic Checking account.

Just apply for and open your first USAA Classic Checking account and set up a qualifying direct deposit.‍ ‍ See note 1 Apply between Jan. 15, 2025 and April 24, 2025. Read our Terms and Conditions.

  A USAA Classic Checking account works for you.

Avoid ATM fees

Access over 100,000 preferred ATM's nationwide. If you have to use an ATM outside the network, we'll refund you up to $10 in ATM fees per statement cycle.‍ ‍ See note 2

Get paid early

Payday comes up to 2 days sooner when you set up direct deposit.‍ ‍ See note 3

Shop worry-free

You’re not responsible for unauthorized charges that you report to us for your debit card.‍ ‍ See note 4

Take home up to $400

Get $200 with a new USAA Performance First® Savings account‍ ‍ See note 5 and another $200 with your first USAA Classic Checking account‍ ‍ See note 1 after completing qualifying activities in both accounts.

 

With both bonuses, you'll walk away with $400. Limitations apply. Apply between Jan. 15, 2025 and April 24, 2025.

 

An account that fits your everyday life

Bank securely with a USAA Classic Checking account and the USAA Mobile App.

Money management tools

Create a budget, track spending and pay bills with our free tools. To get a full picture, you can even add your accounts at other institutions.

Digital wallet

Make purchases any time, any way when you add your debit card to your phone’s digital wallet.

Tap to pay

Make fast, secure, touch-free payments with contactless cards.

Mobile deposits

Use your smartphone to deposit checks into your account.‍ ‍ See note 6

Zelle®

Send or receive money right from our mobile app with Zelle®.‍ ‍ See note 7 It’s fast and free.

Benefits for new military recruits

Let us honor your commitment with added benefits for newly enlisted members.


Apply for and open a checking account with $0 initial deposit. To get started, call us at 855-764-4667.

Need an account for your child?

Teach your children the importance of money management with a USAA Youth Spending account.

 

USAA Classic Checking FAQ

No. But you can use:

  • An existing USAA Bank deposit account.
  • Any USAA Bank credit card, up to $100.
  • A Visa® or Mastercard® from another bank, up to $100.
  • An account at another bank that you can use for transfers.

Yes. After you open an account, you can add another USAA member as an account owner.

Before we can add them, they’ll need to electronically sign the documents we’ll send to their inbox.