Skip to Content

  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 1

Get paid early

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

Shop worry-free

You’re not responsible for charges you didn’t approve when you use your debit card.‍ ‍ See note 3

Need an account for your child?

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

An account that fits your everyday life

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

Free budgeting tools

Create a budget, track spending and pay bills. 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 4

Zelle®

Send or receive money right from our mobile app with Zelle®.‍ ‍ See note 5 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.

Add a savings account to get the most out of checking.

Having both accounts lets you manage your day-to-day while also saving for other goals.

To help make saving effortless, set up automatic transfers from your checking with USAA Savings Tools.

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. If the person you’re adding is 18 or older, they need to be present when you add them.

They'll have to provide personal information and electronically sign required documents.