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USAA
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USAA Federal Savings Bank |
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Woman happy using her USAA Classic Checking debit card for online purchases.

USAA CLASSIC CHECKING

SAY HELLO TO
EARLY PAYDAY

Say goodbye to monthly service fees and hello to getting paid up to two days earlySee note1 with USAA Classic Checking.

Apply now for a USAA Bank Checking Account Not a member? Join now. It's free and easy.

Convenience at your fingertips

Get a jump on payday

You could get paid up to two days early with convenient direct deposit from your employer.See note1

Avoid ATM fees

Access over 100,000 ATM locations nationwide with no ATM fees and get refunded up to $10 per month for any out-of-network ATM fees.See note2

Keep more of your money

USAA Bank charges no monthly service fees to maintain your account.

More benefits of USAA Classic Checking

Zero liabilitySee note3

You're not liable for unauthorized debit card transactions that you report to us.

Fraud monitoring

You'll automatically receive alerts for suspicious activity on your account.

Tap to pay

Use your mobile wallet for secure, convenient tap to pay.

Industry-leading app

Check your balance, pay bills and manage your account 24/7 on our mobile app.

Father and son building model fighter planes together.

USAA works for you

A proud legacy

Earning members' recognition and trust for over 100 years, USAA understands how to help you thrive.

Range of offerings

We offer a suite of benefits, products and discounts for U.S. military members and their eligible family members.

Convenient tools

Use our mobile app to view your auto insurance ID card, report a claim, get roadside assistanceSee note4 and more.

Become a member
Close up of USAA mobile app features

USAA CLASSIC CHECKING

NO MONTHLY
SERVICE FEES
MEANS MORE
FOR YOU

USAA Bank offers early payday,See note1 convenient tap to pay for purchases and no monthly service fees. Wherever you go in life, we're here to help.

Apply now for a USAA Bank Checking Account Not a member? Join now. It's free and easy.
Close up of USAA mobile app features

DISCLOSURES

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

  1. 1 Early access to direct deposit funds is subject to when USAA Federal Savings Bank receives notice of payment from the payer, which is generally one to two business days before the scheduled payment date. Early access to direct deposit funds is not guaranteed, may be stopped at any time, and may vary between pay periods.

  2. 2 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.

  3. 3 You are not liable for unauthorized use of a debit card that you report to us. "Unauthorized use" means the use of a debit card by someone other than you without actual authority to use the debit card and from which you receive no benefit. It does not include use of a debit card (1) by a person who was furnished the debit card by you unless you notified us that transfers by that person are no longer authorized or (2) with fraudulent intent by you or any person acting in concert with you.

  4. 4 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Cross Country Motor Club, Inc., Medford, MA 02155, except in AK, CA, HI, OR, WI and WY, where services are provided through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  5. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  6. Visa is a registered trademark of Visa International Service Association and used under license.

  7. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

  8. USAA Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

  9. "USAA Bank" means USAA Federal Savings Bank.

  10. USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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