An interest-bearing, free checking account for members of the military and eligible family members.
If you're affiliated with the military and looking for a checking account with no monthly fees, the USAA Classic Checking account could be an ideal solution. It offers easy access, the ability to earn interest, personal budgeting tools and a number of other features that make it a great everyday account.
But it has limited branches and puts a long hold on deposits.
finder.com's rating: / 5.0
★★★★★
USAA Classic Checking account review is for people affiliated with the military and is ideal for those who want an account with no monthly fees and access to more than 60,000 preferred ATMs nationwide for free. But you need to keep at least $1,000 in the account to earn the low 0.01% APY.
USAA Classic Checking is not currently available on Finder
Have you considered BMO Smart Advantage Checking?
Earn a $400 cash bonus after $4,000 deposits in the first 120 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs. Member FDIC.
You can apply for the USAA Classic Checking account online or by phone.
If you don’t have a reliable Internet connection or would rather speak to someone, you can apply by phone at 800-531-8722.
Applying for a checking account requires applicants to meet at least ONE of the following:
Have this information on hand when you sign up for the USAA Classic Checking account:
In addition to being a secure, interest-earning account with no monthly fees or minimum balance requirements, a USAA Classic Checking account also offers:
Members of USAA get free access to a nationwide ATM network that includes more than 65,000 Allpoint, MoneyPass and PNC Bank ATMs. Plus, USAA will refund up to $15 per month in usage fees when customers use other banks’ ATMs. However, there are some fees to be aware of:
In addition to needing military ties to be eligible for an account, you’ll want to be aware of a few other potential limitations:
If you aren’t affiliated with the military and want an account with more perks, you’ll want to keep looking. As always, compare your options when choosing a checking account.
There are several ways to access money in your USAA Classic Checking account:
USAA makes it easy to get a hold of customer service:
Just starting out with your finances? Have a child who you’re trying to get started on the right foot? Consider these other USAA products.
How do I increase my daily ATM withdrawal limit with USAA?
You can’t increase your daily ATM withdrawal limit for your debit card. But if you have a USAA credit card, you can request a credit card limit increase in three steps:
Note that you can only request a credit limit increase on USAA Rewards, Cash Rewards, Cashback Rewards, Rate Advantage or a military affiliate credit cards.
How can I pay bills or buy goods with my checking account?
Use your debit card, the USAA Mobile Banking app or your Mobile Wallet, which lets you pay through Apple Pay, Android Pay or Samsung Pay.
What can I do with the mobile app?
Use the mobile app to send money and access your balances. You can also set up bill pay and enjoy special offers and discounts with the Mobile Wallet.
Are there withdrawal limits on this account?
Yes. You’ll be limited to $600 per day for ATM cash withdrawals, $1,000 per day for debit card cash advances, $3,000 per day for signature-based purchases on your debit card and $3,000 per day for PIN-based purchases on your debit card.
What is the routing number for USAA?
USAA Federal Savings Bank’s routing number is 314074269.
How do I sign up for overdraft protection?
Log in to your online account and visit the overdraft protection service page for details on how to enroll.
How can I fund my account?
You can fund the initial deposit using a checking, savings, Visa or Mastercard account.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
USAA Classic Checking is not currently available on Finder
Have you considered BMO Smart Advantage Checking?
Earn a $400 cash bonus after $4,000 deposits in the first 120 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs. Member FDIC.
Megan Finder
Publisher
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