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"Free Checking" from USAA Federal Savings Bank
The Basics
Debit Cards & Using ATMs
This account includes the following debit card reward program options:
- 'Cash Rewards' puts money back into your account based on your debit card usage. There is no annual fee for this card;
- 'USAA Rewards' program to earn points for gifts and other items. There is no annual fee for this card.
- 'Cash Rewards' puts money back into your account based on your debit card usage. There is no annual fee for this card;
- 'USAA Rewards' program to earn points for gifts and other items. There is no annual fee for this card.
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.
- Up to $15.00 total in rebates per month.
Rebates are credited to your account at the end of the statement cycle.
USAA does not charge for your first 10 ATM withdrawals each month.
USAA does not charge for your first 10 ATM withdrawals each month. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
Electronic & Telephone Banking
In addition to the standard online banking features, this service includes:
- Remote deposit of checks by scanned image (you must have 3 accounts with USAA to qualify for this service. See their site for details.);
- No fee funds transfers to accounts at other institutions.
- Remote deposit of checks by scanned image (you must have 3 accounts with USAA to qualify for this service. See their site for details.);
- No fee funds transfers to accounts at other institutions.
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;
- The bad news that your account balance is below $0;
- Notice when a specific check clears.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- The bad news that your account balance is below $0;
- Notice when a specific check clears.
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above.
- Quicken 2007 and above.
Online Billpay
Free
This institution supports:
- A text messaging service to view account balances, view recent activity;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
- A text messaging service to view account balances, view recent activity;
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Automated Phone Banking
Free
Checks & Statements
Overdrawing the Account
The Insufficient Funds Fee is $29.00 per overdraft.
This checking account has 3 options for Overdraft Protection.
From a linked Savings or Checking Account:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
From a linked Credit Card Account:
- 3% fee.
- Funds are transferred to bring the account balance to $0.00.
- 3% fee.
- Funds are transferred to bring the account balance to $0.00.
USAA allows you to link to deposit accounts and credit lines from other financial institutions for overdraft protection. Go to USAA's website for more details.
Savings and Money Market Accounts
'USAA Savings' requires $25.00 to open and $0.00 to earn interest.
No ATM withdrawal fee for the first 10 withdrawals and up to $15 in ATM Fee Rebates each month.
Current APY Information:
- 0.50% at minimum balance to earn interest;
- 0.50% at minimum balance to avoid fees;
- 0.65% at $25,000.00
- 0.50% at minimum balance to earn interest;
- 0.50% at minimum balance to avoid fees;
- 0.65% at $25,000.00
'USAA Performance First' requires $10,000.00 to open and $0.00 to earn interest.
No ATM withdrawal fee for the first 10 withdrawals and up to $15 in ATM Fee Rebates each month.
Current APY Information:
- 0.55% at minimum balance to earn interest;
- 0.55% at minimum balance to avoid fees;
- 0.65% at $25,000.00
- 0.55% at minimum balance to earn interest;
- 0.55% at minimum balance to avoid fees;
- 0.65% at $25,000.00
We suggest you also consider:
PerkStreet Financial℠ is a progressive online financial services company that offers the most valuable checking account and debit card rewards combination in the U.S. PerkStreet offers a fully featured, free checking account, a debit card with the most rewards and access to the largest network of free ATMs in the country. The PerkStreet Financial Visa® Debit Card is issued by The Bancorp Bank, Member FDIC.
How does USAA Federal Savings Bank Compare?
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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