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

USAA Classic Checking

Join USAA for checking built to higher standards

Apply for and open a USAA Classic Checking with just $25. Members enjoy no monthly service fees plus the service only USAA Bank can deliver.

Become a member at USAA Already a member? Apply now for a USAA Classic Checking account

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The right way to bank

Zero monthly service fees

Keep more of your hard-earned money with no monthly fees.

24/7 fraud monitoring and zero liability

Get round-the-clock fraud monitoring and zero liability‍ ‍^{See note 1} on unauthorized debit card transactions that you report to us.

No-fee ATM network

Choose from over 100,000 preferred ATMs. Get up to $10 back for non-network ATMs per statement cycle.‍ ‍^{See note 2}

USAA membership starts with family

Who can join?

If you served in the military, or your parent or spouse served and already joined USAA, you may be eligible for membership.

Why USAA?

Our products and services — including USAA Classic Checking — are designed to meet the higher standards of U.S. military members and their eligible families. It’s our mission to go above for those who go beyond.

Join USAA if you’re not already a member

More features made to simplify life

Members get the flexibility they need - wherever life takes them.‍ ‍^{See note 3} USAA Classic Checking has their backs today, tomorrow and beyond.

$25 minimum deposit

Open a USAA Classic Checking account with just $25.

Get paid up to 2 days early

It’s your money, get it in your hands faster when you set up direct deposit.‍ ‍^{See note 4}

Tap to pay

Make transactions more convenient and more secure.

Easy-to-use mobile banking

Your bank, your cards, your budget, all on your phone.

Convenience and security where it counts

Peace of mind comes standard with 24/7 fraud monitoring. Secure digital banking helps give you the protection your hard-earned money deserves plus easy account access online or on your phone.

Become a member with USAA