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USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Smarter banking starts here.

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Options to simplify your finances

Checking

Learn about checking

Savings

Learn about savings

Credit cards

Learn about credit cards

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Loans to fuel your future

Auto loans

Learn about auto loans

Home mortgages

Learn about home loans

Personal loans

Learn about personal loans

More ways we can help with your personal banking

  Deposit accounts

  • Youth accounts
  • Certificate of Deposit (CD)

 Loans

  • RV loans
  • Boat loans
  • Motorcycle loans
  • Mortgage refinance
  • VA home loans

  Tools and services

  • Overdraft options
  • Mortgage Rates
  • Mortgage calculator
  • Home loan assistance

The USAA Mobile App makes banking on the go easier.

We can help you manage your accounts from wherever you are with a variety of tools and services.

Do all of this and more on the USAA Mobile App: ‍ ‍ See note 1

  • Deposit checks ‍ ‍ See note 2
  • Transfer money
  • Pay bills ‍ ‍ See note 3
  • Send money with Zelle®
Apple App Store
Download on App Store
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Google Play Store
Get it on Google Play
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Convenient ATM access

Get an account with access to over 100,000 preferred network ATMs nationwide. ‍ ‍ See note 4

Learn about ATMs

Find an ATM

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 help protect you by sending an alert.

Ways to protect yourself from fraud

Our security center gives you easy tools and expert tips to help you keep your accounts safe. We also provide tips on how to watch out for scams.

What membership brings to banking

USAA members‍ ‍ See note 5 have access to bank products and services created with the military community and their families in mind.

Military-friendly benefits

Get your military pay up to 2 days early with direct deposit.‍ ‍ See note 6

Plus, our Cashback Rewards Plus American Express® Credit Card helps you earn more cash back on qualifying purchases made on military bases.‍ ‍ See note 7

Easier loan process

We support our members by helping them get the money they need. From VA loans to personal loans, our flexible terms can help you reach your financial goals.

Serving the banking needs of military families

Here’s who’s eligible for USAA membership:

  • Active-duty military
  • National Guard and Reservists
  • Veterans who have honorably served
  • Contracted cadets and midshipmen
  • Officer and warrant officer candidates
  • Spouses and children of USAA members
Join now

Related footnotes:

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

  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.

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

  4. 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.

  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. 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.

  7. You will earn rewards based on your Qualifying Purchases. Qualifying Purchases are the Purchases of products or services that post to your Account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account. Certain restrictions apply, including limitations if your Account becomes delinquent or closed. Transactions that are not Qualifying Purchases do not earn rewards. See the Reward Program Terms and Conditions for more information.

Related footnotes:

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

  2. All credit cards subject to approval.

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

  4. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Mobile carrier fees may apply.

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

  6. American Express is a federally registered service mark of American Express and is used by USAA Federal Savings Bank as the credit card issuer pursuant to a license.

  7. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

  8. Home loans subject to credit and property approval.

  9. Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Bank Loan Officer to review current VA eligibility requirements.

  10. A home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately require paying more in interest over time.

  11. "USAA Bank" means USAA Federal Savings Bank.

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

  13. USAA is an Equal Housing Lender

  14. USAA FSB NMLS 401058

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