Start of Content

Banking products to help reach your goals

We go where you go.

We pioneered digital banking technology that lets you deposit checks with your phone.See note2 Our mobile app makes banking on the go easier.See note3

If you need to do more, we offer a variety of tools and services to help you manage your accounts from wherever you are.

See account tools and services

Scan to download the USAA Mobile App.

Download the USAA Mobile App.

Get the USAA app on the Apple App Store, opens new window
Get the USAA app on the Google Play store, opens new window

Convenient ATM access

Get an account with access to more than 100,000 preferred network  ATM's nationwide.See note5

Need more reasons to bank with us?

Having an account with us means feeling safe. We're committed to helping protect your money and your valuable personal information.

Secure Logon Options

Strengthen your digital banking security with enhanced logon methods like biometrics or multifactor authentication (MFA).

24/7 Account Monitoring

If we see any unusual activity on your accounts, we'll send you an alert to help protect you.

FDIC Insured

Money you keep in your checking, savings and other deposit accounts is automatically insured up to Federal Deposit Insurance Corporation (FDIC) limits. Visit FDIC's Deposit Insurance  Frequently Asked Questions page to learn more about FDIC Insured.

Products from USAA Bank

© 2024 USAA

Note  1 Checking Cash Promotion Offer Terms and Conditions

Eligibility:
Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as USAA FSB, opened between July 17, 2024, and Dec. 10, 2024, before 9 p.m. Central Standard Time. The account is not eligible for this offer if: 1) the primary account holder currently has, or has had, primary, secondary, or any other ownership of a USAA FSB checking account (including USAA Youth Spending accounts) in the 12 months prior to account opening; or 2) the account is titled as a trust account, estate account, Uniform Transfers to Minors Act account, or any other representative or fiduciary account. The primary account holder is the account holder whose U.S. taxpayer identification number is used for tax reporting purposes on the new account. The account must remain open and in good standing through the time we attempt to deposit any earned bonus payment.

Bonus Requirements and Payment:
To qualify for the bonus, open a new USAA Classic Checking account between July 17, 2024, and Dec. 10, 2024, before 9 p.m. Central Standard Time, and receive a qualifying direct deposit of at least $100 into the account within 180 calendar days after account opening. If you open your account after 9 p.m. Central Standard Time, for the purposes of this offer, your account will be considered to be opened the next business day. Business days are Monday through Friday, excluding federal holidays. A qualifying direct deposit is a single Automated Clearing House, also known as ACH, electronic deposit of $100 or more. An electronic transfer initiated from your new USAA FSB checking account that instructs USAA FSB to pull funds from another financial institution into your account does not qualify as a direct deposit. Internal transfers between USAA FSB accounts do not qualify. We will attempt to deposit the $200 bonus into your qualifying new USAA Classic Checking account within 60 calendar days after the first qualifying direct deposit amount has been received. You are responsible for any federal, state, or local taxes due on the bonus and we will report the bonus as income to the tax authorities if required by applicable law. Consult your tax advisor.

Additional Terms and Conditions:
All account applications are subject to approval and may be subject to a $25 minimum opening deposit. For annual percentage yield or APY, refer to usaa.com/checking. For USAA Classic Checking accounts with a daily ledger balance of $1000 or more, the APY is 0.01%, accurate as of July 17, 2024. Rates may change at any time. Fees may reduce earnings. Offer can't be paid without a valid U.S. taxpayer identification number or combined with any other offer related to checking accounts. This offer limited to one bonus per account, on first eligible account only. Offer cannot be reproduced, purchased, sold, transferred or traded. See the Depository Agreement and Disclosures for terms and conditions of your USAA Classic Checking account. Offer may be discontinued or changed at any time without notice.

Note  2 Eligibility for USAA Deposit@Mobile® will be based on your account history with USAA Federal Savings Bank. Deposits may not be available for immediate withdrawal. USAA's Deposit@Mobile® and related Deposit@Home® includes innovative features that are protected by multiple patents issued by the United States Patent and Trademark Office. A listing of issued Patents, intending to serve as notice under 35 U.S.C. § 287(a), may be found at United States Patents.

Note  3 Account access restrictions may apply to mobile/web access in certain countries.

Note  4 USAA Pay Bills requires the payee's address to be in the U.S., a U.S. territory, or APO/FPO.

Note  5 When you use a non-USAA Bank ATM outside of our preferred network, you may incur surcharge, usage, or other fees charged by the ATM operator or network. We refund up to $10 per monthly statement cycle in non-USAA Bank ATM surcharge or usage fees for transactions made at non-USAA Bank ATMs. 1% Foreign Transactions Fee may apply. See the Account and Service Fee Schedule for details.

Loans subject to credit and property approval. Minimum financing required. Maximum loan amounts apply and are subject to change without notice.

All credit cards subject to approval.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Mobile carrier fees may apply.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

USAA is an Equal Housing Lender

USAA FSB NMLS 401058

6414659


USAA is a Secure Site