I’ve been with USAA since 2012, and am still receiving the prompt and excellent customer service I was introduced to in the beginning. USAA is my primary bank, and will continue to be. Unlike other banks I’ve had in the past, when I deposit a check, the funds are available immediately, and my balances are updated in real-time! I could go on and on about USAA, but just know that when you open your accounts with them, you and your money are in capable hands!
USAA Bank Classic Checking
- MINIMUM TO OPEN $25
- MONTHLY FEE None
- MIN BALANCE TO AVOID MONTHLY FEE N/A
- OTHER WAYS TO AVOID MONTHLY FEE N/A
FEE Info Not Found
- OVERDRAFT FEE None
- NEGATIVE ACCOUNT BALANCE FEE Info Not Found
- IN-NETWORK ATM TRANSACTION FEE None
- ATM NETWORK SIZE 60000 ATMs
- OUT-OF-NETWORK ATM TRANSACTION FEE None
- REBATE OF ATM OWNER SURCHARGE up to $15 per month
- FOREIGN ATM FEE 1% (and $2)
- DEBIT CARD VISA
- DEBIT CARD FOREIGN TRANSACTION FEE 1%
USAA Bank Classic Checking Additional Info
- REWARDS No
- ONLINE BILL PAY FEE $0 per month
- ADDITIONAL REQUIREMENTS None
- No monthly service fee and no minimum balance requirement
- USAA Bank does not charge a fee for the first 10 ATM withdrawals. Subsequent withdrawals will be charged $2 each except when made at any USAA Bank-owned ATM
- USAA Bank also refunds up to $15 in other banks' ATM usage fees for transactions at ATMs in the United States
- Access to more than 60,000 USAA-preferred ATMs nationwide
The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.
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I withdrew money from an ATM today and they charged me 3$. How long does it take for USAA to refund that money? Reply 32
If we need to write checks on this account, how is that done? Do you mail us checks. Do we print out checks from our computer? Reply 12
USAA Bank Classic Checking Reviews
I have been banking with USAA for years now, and I used to rave about excellent they were. I recommended them to family and friends, telling them, "Every time I hang up with USAA, I'm in a better mood than I was when I called, because they're THAT good at helping resolve issues." That level of customer service is gone now, and the bank has been slowly going downhill for the past couple of years. I would like to say that with the exception of one or two times, the customer service representatives are extremely friendly, but their banking/company policies and supervisors are no longer customer-friendly.
A few issues...
One: I called with an issue with my debit card. They helped me figure out what was going on, and I thought that was the end of it. However, a week or so later, a new debit card showed up at my mom's house (the address that was still on my account, as I was temporarily working out of town), and around the same time, a pin number was mailed separately, also to my mom's house. I called them, and asked why they sent a new card, and they couldn't tell me. They tried to do a little research, before just telling me, "We don't know. You should just destroy it if you don't want it." This is scary, and a HUGE security concern. A debit card was not ordered, yet one was sent without my authorization along with a pin number. Anyone could have taken the card and pin number, and once activated, my existing card would've stopped working and they would've had full access to my accounts. The customer service rep was unconcerned with the issue and treating me like I was over-reacting.
Two: I deposited a small cashier's check ($500) into my USAA checking account. This is not my primary checking account, but I do have automatic deposits that go in twice a month for at least 4x that amount, which I always withdraw immediately and take to my primary brick & mortar bank. I deposited the cashier's check via mobile, because that's the only way to do it, and was not told that the funds would be placed on a hold. I was out of town for work at the time and due to an issue with my primary bank, I needed those funds to be available immediately. As any person in banking should know, cashier's checks are VERIFIED funds and should be available instantly. I called IMMEDIATELY about the hold, they told me it's because my current balance was less than the amount of the check. I reminded them about the automatic deposits I have (one of which was due within the next few days) that would more than cover the cashier's check if it bounced (which would not happen, because those are verified funds). They said it didn't matter. I told them, please cancel the deposit, because I need this cash immediately, and I planned to take the cashier's check to the bank on which it was drawn so I could cash it and receive funds immediately, to sustain me until the issue with my primary bank was resolved. They said they can't cancel the deposit because it was already made through the mobile app, and there was no way to cancel it. This was within 5 minutes of making the deposit, and they're telling me there is NO way to cancel it.... that doesn't make sense to me. I asked them, "What if someone made a mistake and accidentally deposited the wrong check into the wrong account - you're telling me there is no way to undo that?" They confirmed, there is no way to do that. So don't make any mistakes, ever, because USAA will screw you over.
Three: The mobile app always gives me an error when I try to increase my debit card daily withdraw limit, something about needing to verify identity with a text code, which I never receive via text. I need to increase my limit at least once a month, because it defaults to $600, and I always have to withdraw the money from my auto-deposits to take it to my primary bank. So every month, when it's time for me to withdraw the money, I have to call them to change the limit. This, in itself, is frustrating enough, especially when I'm often on hold for 10-15 minutes just to change my limit and get access to MY money. Last week, I called them as usual to change my limit and was told that they can't do that, due to some issue with my auto-insurance policy payment. I haven't had auto insurance with USAA in over 3 years (because they screwed me over in regards to a claim, but that's a whole different complaint.) I asked what issue they were seeing, and they couldn't tell me. They told me I had to speak to the auto insurance department, so I was transferred to them. At this point, I've been on the phone for half an hour while sitting outside the ATM that I planned to use. I spoke to the insurance department, they assured me that there were no issues with the long-closed policy/account, and transferred me back to the banking dept. Banking again told me that they wouldn't change my limit. The guy checked with his supervisor/"specialist" and they were the ones who would not approve it, and told him no. I asked to speak with that person. He said, "No, you can't speak with him. He told me what to tell you and that's that." So basically, they're barring me access to my money, because their departments aren't properly communicating with each other. I told the rep, verbatim, "This is bulls***. That's my money, and I need to withdraw it NOW." He told me that I was being abusive, and hung up on me.
Which brings me to number four: As a workaround for these idiots not letting me increase my limit to withdraw my cash, I told them to transfer the entire balance of my account to my boyfriend's account, which is also with USAA. They confirmed the transfer went through. My boyfriend was in a different state at the time and quite unavailable due to work training, but I needed him to take the money out of his USAA account, mobile-deposit it in his account with our primary bank, then transfer it into my account with our primary bank. (Needless to say, at this point, I'm very angry and frustrated with this runaround process to get my money.) So this was on a Friday. He didn't get out of training until after banks were closed on Friday and was not able to put the money into our primary bank. On Saturday, I woke up, checked my USAA account, and ALL the money I had transferred the day before was back in my account. I called USAA to ask them WTF. The rep, who was quite friendly, said, "I'm really sorry, but it appears they didn't put the transfer through yesterday." She told me to check with my boyfriend to see if he had the money in his account. He was going to be unavailable all day due to training, but I tried to reach him anyway. After a couple hours of not being able to reach him, I called USAA back and explained the situation again, and told them that I needed the money to be in his account, but that I was concerned that if I moved it over again, the money would be taken from my account twice. The rep assured me (for the 5th time) that the transfer did not go through on Friday for some reason, and that there was no possibility of the money being taken twice. Lo and behold, I woke up on Tuesday (FOUR days after the original transfer) to a HUGE negative balance, over $2,000 in the hole. Plus, I was charged overdraft fees for the second transfer, AND for every debit card transaction that had posted the night before. To make this long story a little shorter, I called USAA and was told that it wasn't their fault, and I needed to just have my boyfriend transfer the money back into my account. They would not help with the fees, nor did they offer any explanation for how they simply lost a $2k money transfer for four days.
They are useless, and no longer have a policy of helping their customers. This bank used to be great. Now I'm in the process of switching over my direct deposits so I can wash my hands of USAA completely. They screwed me over on auto insurance, and now they are screwing me over in the banking department. Take your money elsewhere, you will avoid a huge headache and frustration.
I started a USAA account when I was 17 and I had my identity stolen which affected my checking and savings accounts with USAA. Someone hacked my account and took out fraudulent money. USAA held me responsible and took all of my money in my checking and savings and left me with $0. They refuse to give me my money back and hold me accountable for the fraud. They have treated me with much disrespect and go back on everything they claim. Would not recommend USAA to anyone.
I have my account with USAA before I deployed overseas. They have always been helpful and have a great website that helps to track my accounts. When my debit card was used many states away - they notified me to verify and were quick at restoring the funds. I would *highly* recommend them from customer service, to getting ATM fees reimbursed to security. I have never had a bad experience with USAA
I have been with USAA bank for about a year now. I have been very satisfied with them. their customer service is top notch and they have always solved any issues I have had and they are very prompt as well. Transfers between accounts are very fast which is a huge plus for me. They also have no fees attached to the account. I am completely satisfied with their service.
When opening my USAA checking account I was given a promotional offer for $300 if my account had 2 direct deposits within 3 months. The payment of the $300 was very delayed and did require me to contact USAA to ensure that I received the money. I did and have been extremely happy with my account ever since. No ATM fees is great and the interest rate is much better than my old bank (Chase). I would recommend a USAA checking account.
I have been with USAA with a checking account for about 4 years now. They have always done right by me. It's mostly a online only bank but I am fine with that. I love how transfers of funds from one account to another is instant, something I haven't seen in other banks. Overall I'm very satisfied with USAA.
I’ve been a USAA member since I married my wife two years ago. We joke that it’s one of the best things I got in the marriage. USAA has always had amazing customer service. They are prompt and knowledgeable when you call in. Recently I was trying to work out some budgeting tools and called them to ask about opening extra accounts. They were great in informing me about all the choices and I ended up opening two additional checking accounts to aid in our budget system with no additional cost. The online banking through the app and website are great too.
I have used USAA for other financial needs and always loved the service so I decided to use them to bank with as well. It was very easy to set up an account and the bank gave me money for setting up both a checking and savings account with minimum deposits in both, which I loved. It is very easy to navigate their website online as well as their app. I have never had any complaints customer service wise either. I did have an issue with my debit card being sent to the wrong address but customer service representatives helped me to resolve that issue immediately. Overall, they are a great company to bank with.
The only issue I've ever had with my USAA checking account is that I have to mail in deposits, I can't make them locally, so there's a delay. I won't mail cash so I always have to change cash into a check to mail the deposit. I like USAA's checking account overall and have had it for many years. There are no fees and I earn 1% interest, which isn't much but it's nice. I haven't had any major issues from them.
I've been using USAA now since 2002 and have found them to be extremely easy to work with and very helpful during interactions. The ATM fee rebate is one of the best aspects of this account over another banks. No fee banking is also a big plus, and their mobile app is probably the best I use.
I have been with USAA bank for a while now and have a checking account with them. They have no fees which is great, free checks and they reimburse ATM fees. You really can't go wrong with all of that. The only down side is if you need to deposit a check you have to do it in the UPS store, but I do believe they have a mobile app to make deposits as well.
I have been with USAA for many many years. My overall experience is pretty good. The worst issues I have had is when going to a ATM my account will be plus or minus in either direction. In short, not describing the true balance. One of the times I had called in and they gave me a completely different number then what the ATM gave me. Yes I do keep a check book and ledger, but seeing different balances all the time is not good for someone my age. I must say that customer service is always good and to the point. They have always been helpful and look for ways around issues I may have.
I have had a USAA checking account for nearly 10 years now and I have been very happy with it. My husband is in the United States Air Force and that is how we were first introduced to USAA. My favorite part about my USAA checking is the ATM surcharge rebate. Because USAA does not have any physical locations, you can go to any ATM to withdrawal money, and USAA will cover the surcharges. I also love how easy it is to deposit checks with my phone. You simple take a picture of the front and back of the check, show the amount shown on the check and it will pretty much instantaneously deposit into your checking account. I love my USAA checking account.
I've been with USAA for a few years now and I haven't had any problems with them. I've had my debit card number charged erroneously a few times and I called up customer service and they handled it very quickly. I have a few checking accounts and USAA always allows me to transfer money between them quickly and easily. No fees of any kind except for an overdraft fee if you go overdraft. My only issue with them is they won't let you use the mobile app to deposit checks into the account unless you are a service member. As I am not one, I signed up when the service was open for anyone, that is a bit of a disappointment.
Other than that, the bank has been fantastic.
USAA is a wonderful company with which to bank and have a checking account. The employees are incredibly helpful on the phone and have helped me set up multiple checking accounts. I use mobile banking, and it's easy to see and use my checking accounts through the USAA app. One time, I accidentally overdrew in my main checking account. I called USAA to explain the situation, and the employee waived the overdraft fee.
I have had USAA for two years and I think they are alright. I'd very much prefer them to be a credit union. They are very nice with customer service, however I get disgusted when they try to rush me into another conversation or to join a different branch of their company. This happens every time I call. Example: If I call about filing a dispute, after I finish speaking my problem they will say, "No problem, I can help you with that, while I have you are you interested in setting up your Will through us?" Very annoying.
I've had a checking account with USAA for about 6 years. I've worked with a few different banks before, and USAA is the best, hands down. Fantastic service, no hidden fees, courteous and transparent staff, plus they refund your ATM fees. If you can get a USAA account, do it. You won't go anywhere else.
I've had a checking account with USAA for about 5 years now. They used to only allow members of the military to join and become a member, but they recently opened their services to the general public as well. They have outstanding customer service. I once had an erroneous charge on my account and I called them and they quickly removed it. They also have instant money transfers between accounts. So if you want to move money from one account to another, they will process it instantly. No fees of any kind except an overdraft charge, but as long as you are up on your bank statements, that shouldn't be a problem.
I have been using USAA for the past few months after switching checking accounts and have had a really enjoyable experience. The customer service is fantastic and is top quality. I have never had any problems with this company so far. The features with the master card and other check card is very helpful. There are so many nice features and I really love the anti fraud protection. This is the best company I have ever worked with.
I have been a USAA member for 8 years now and I've never had a single problem with them. The ability to not only see my up to date purchases in my checking account, but also have the ability to see my spending habits and how they are or are not benefiting me in my checking account is just so incredibly helpful. There have also been a few times when I've been locked out of my account due to forgetting my pin (especially when having to activate new cards) and the customer service is always so friendly and helpful. I've never once had my checking account attacked by another user, and it has just always been the best service I can have for my financial life. I would never switch to another bank and will be a life-long dedicated customer of USAA.
I been a USAA member for about seven years. They have been very good to me and provided great services. Their insurance rates are great and they don't have any fees in checking, except overdraft which isn't too bad. They are online only, but depositing money at UPS stores is not too bad. Their customer service is by far the best and a small thing them and Comcast have the the best wait music. Although, they have far better customer service as the people their speak decent English and actually seem to care. I feel like USAA cares because they understand that Veterans and service members are the reason they are around and they understand the hardships. They are willing to work around your credit problems and help you be debt free. I strongly recommend them for banking and much more.
We have had USAA for over 12 years as our checking account and have always been satisfied with their services. It is quick and easy to get a hold of customer service without long wait times. They are attentive and efficient in helping you with all of your questions and are genuinely concerned with your issues. I like how easy it is to transfer money and the bill pay is very convenient. All of USAA products have been great for our family and I couldn't imagine a better bank to work with.
I have been a USAA Checking account holder for 12 years. It was my first checking account and it will be my last checking account. The comfort that USAA provides me is unbeatable. Their customer service tied to a house hold name that everyone trusts has benefited me in numerous ways. I even paid with a USAA check once for a landlord deposit and he ripped it up saying if I rent with him and bank with USAA there was no need for a security deposit because he knew I could trust him. Now that is a good quality bank.
While some would argue that not having a physical location is a deal breaker, I have saved so much time from not having to go to the bank. Now with mobile deposit an actual bank is less necessary than ever.
Simply put, my life is better with USAA Checking.
I love using USAA! Its so easy to navigate, and my money is easy to transfer. We do all of our banking through USAA, and have no complaints. The checking account is free, and they'll refund your ATM fees. I also love the option to upload checks. I was worried about how to make deposists, since there aren't any physical locations. But mobile deposits are so easy. USAA is the best company to work with.
This checking account is free, and they will actually refund you you're ATM fees. I have the mobile app and it very easy to transfer funds between your different accounts. You can even take a picture of a check you would like to deposit in order to put the money into your account. There are no hidden fees, and you almost never need to actually go to a physical bank to conduct your business.
USAA Secure checking is awesome, I love the fact that no matter where I go in the world they refund the ATM fees. The ability to deposit checks from your phone is a major plus. On top of all of that they also have the best customer service out of any bank/financial institution that I've ever dealt with and every time I've needed to talk to them they've been very polite and helpful. I highly recommend them to anyone/everyone I talk to about personal finance.
I cannot recommend this account enough. They refund any atm fees that you get for using non network atms. The account also automatically starts to accrue interest when you have the appropriate funds. With things like instant deposits from a mobile phone and great customer service, you cant go wrong with this account.
I have been a USAA customer for over 25 years and have always received the best customer service, prompt answers to questions and accurate information. If any problems with my account arrive, skilled personnel work with me to find the problem and get it resolved quickly. I highly recommend USAA as a full service credit union to all my friends and family. I enjoy not only a checking account, but retirement planning, money market savings and insurance for my vehicle.
I love USAA. The best part is that you can take a picture of a check on your phone and deposit it into your checking account. Their phone app is great and easy to use. I've been banking with them for almost 10 years now. A couple years ago, I was moving and lost all of my checkbooks. They got me new checks immediately (which was a lifesaver). Last year, I lost my debit card. They were great about putting a temporary block on it, so nobody could use it. Once I found it, they removed the block. That saved me from having to get a new card, with a new card number. USAA rocks.
USAA Checking has been superb for me and my needs. While in the army, My debit card was stolen one night. I of course panicked, and called them immediately upon noticing charges appearing that I hadn't made. They assured me it was no problem, immediately removed the charges, and promised my new card would be sent express mail and I would be receiving it within the next 2 days. They really helped me out in a situation I wasn't familiar with.
I absolutely love my USAA checking account! This bank is entirely online, but don't worry about the lack of physical locations. I can deposit checks via the app on my iPhone, and they deposit the funds right away. The customer service with this bank is outstanding. One time, I accidentally paid one of my bills online twice (I forgot I had set up an auto withdrawal), and they were able to help me out and get my money back in my checking account. It's secure, and they are always able to help out if I need anything. There are no monthly fees or minimum balances, which is really helpful. Also, if you aren't near a USAA ATM, you can use any ATM and they'll refund the withdrawal fees up to 6 times a month. I've loved banking with them, and I wouldn't use any other bank.
I have been banking with USAA for years and have had absolutely no problems with them. They are always very helpful and go above and beyond in customer service. We travel out of the country a lot, and every time we do, USAA calls to confirm that we are the ones that are actually using our card (outside of the country). It is preventative measures like this that make me love USAA. We also have all of our insurance through USAA and have not been able to find better deals anywhere.
There is absolutely nothing that I don't like about USAA bank and I highly recommend it to anybody who is looking for a new bank. Although a member of USAA for almost 50 years, I only started with the bank 10 years ago and have been kicking myself since joining for not having joined the bank when it first started. Customer service? Can't be beat! Ease in online billpaying? Same thing. Just like their parent company, USAA Bank always puts the customer first and I cannot imagine any reason that I would ever change to another bank. Whether stateside or overseas, I've never had a problem that they couldn't or didn't solve quickly and simply.
Since 2010 I have used USAA for my checking account. Even when I left the service they still gave me 110 % customer service. I never have a problem that USAA can not fix! Plus no online monthly fees for a checking account! I have even had problems with transactions on my card that were not authorized by me, USAA customer reps helped solve my problem while on the phone with me! They talked to me step by step about upgrading my checking account, which was a great idea! I got a new debit card and even more banking protection! USAA, you are the best!
USAA is perfect for online banking. I had a series of fraudulent charges once, orders for camping supplies placed in Arkansas. I was living in Japan at the time, so there was no way that I had placed the order. USAA notified me, cancelled the charges, and did it all within 24 hours. Great offers, easy to use website, and wonderful customer service.
If you qualify to open a checking account with USAA, don’t pass it up! The USAA checking account has no monthly fees, no minimum balance and no negative account balance fee. You can deposit in person at certain UPS stores and ATMs. I’ve never had issues with this bank and their customer service people are super friendly. The USAA account app is really great and useful and offers a lot of features.
I've been a USAA member since 2008 and I must say I have always been pleased with the business. Not only do they refund 15 dollars a month in ATM fees, they also are very willing to work with you in your times of need. I've had several cases were I was close to receiving overdraft fees (and even did a few times) and I was given great customer service through the entire experience. USAA was willing to work with me and did not charge me the fee. I am very pleased to be a member and will make sure my children bank through USAA also.
This bank is very convenient if you know how to use the online banking system. It is pretty cool being able to deposit checks through the mobile or from your computer. The monthly ATM surcharge fee refund of $15 a month is pretty nice considering there is very little physical banks that exist around this country. You can go to UPS Store's and other locations that offer the availability to deposit, bill pay, etc. through their location for a small fee but that's convenient if you don't have home internet capability to do it yourself. Very little interest rebate but that's to be expected since this is not really a savings account. I'd recommend USAA to other's and I've been a customer for almost 8 years. The customer support is very good as well.
There is absolutely nothing bad I can say about this bank. I have used other banks before and none of them have the customer service and support USAA has. When we got low on cash, we were charged an NSF fee on our checking account (as expected). I called them and explained that my husband and I were having financial problems and they reversed the charge immediately. I couldn't ask for better service and support. I call customer service and someone is on the phone immediately. I can't recommend this bank enough! *Bonus* Every fee you are charged for using an ATM - USAA pays it back to you :) Yes, really.