Minimum Opening Deposit
A $25.00 deposit is required to open this account. USAA Bank products are only available to military members, veterans who have honorably served and their eligible family members.
Monthly Service Fee
Annual Percentage Yield (APY)
The account earns 0.01% for balances over $1,000.
Debit Cards & Using ATMs
ATM Fee Reimbursements
This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:- Up to $15.00 total in rebates per month.Rebates are credited to your account at the end of the statement cycle.
Surcharge-Free ATM Access
Get free use of 60,000 USAA-preferred ATMs nationwide.
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM after 10 uses per month.
$2.00/per use after 10/mo
International ATM Usage Fee
There is a fee calculated as 1.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills;- A mobile-browser website to view account balances, transfer funds, pay bills;- A downloadable mobile application for your Blackberry, Windows Phone 7, Android, and iPhone to view account balances, view recent activity, transfer funds, pay bills, deposit checks and locate ATMs;- An iPad application to view account balances, view recent activity, transfer funds, pay bills, deposit checks and locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad 2, Android, and Windows Phone 7 application. You not only need to have a savings or checking account with USAA, but you must also be a USAA member with insurance, a credit card, or a loan to use this service.
Free thru USAA Send Money with Zelle Service
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Confirmation that bills have been paid;- Alerts for suspicious account activity and password changes.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Online Check Images
Images of canceled checks can be viewed online for 24 months.
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $29.00 per overdraft.
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Funds are transferred in fixed increments of $100.00.
About USAA Federal Savings Bank
Belonging to USAA is more than just doing business with an organization that is financially strong. It is getting access to truly competitive products, award-winning customer service and the convenience of banking, investments and insurance when and where you want.