U.S. military service members or their families interested in joining USAA might want to consider opening a Cashback Rewards Checking account with USAA, as well.
Featuring many exclusive benefits, this checking account also comes with unlimited cashback rewards you can earn on almost all your debit card purchases. This is particularly good as it would motivate you to use your debit card rather than cash. Even though there are over 60,000 USAA-preferred ATMs across the States, you'd only receive 10 free non-USAA ATM withdrawals, with no ATM surcharge fee reimbursements whatsoever.
You can also add your debit card to a digital wallet, and use it to make quick and safe purchases almost anywhere! The USAA Mobile App has got everything you need for daily banking, and it allows you to manage your account on the go, whenever you want.
And there's more: with USAA Advice services, you'll be fully in control of your financial life. USAA people are there to help you master personal finances thanks to many resources available for you to use. Additionally, you can get a Financial Readiness Score, so you know exactly how you're doing money-wise, as it's a personalized action plan with special tools to help you improve your financial well-being!
Since USAA is committed to providing U.S. military service members and their families with unique benefits to thank them for their contribution to the nation, there's also quite a lot of additional services that would make your life much easier and more enjoyable! From special travel deals to shopping discounts, and home improvement solutions - you name it, USAA's got you covered. You only need to choose what you like or need.
Finally, it's important to note this checking account is only available to USAA members residing in any of the following states: AL, AR, AZ, CO, CT, FL, GA, HI, ID, IL, IN, KS, LA, MD, MI, MN, MT, ND, NM, NV, NY, OR, PA, RI, SC, TN, TX, and WA.
Checking account details
- A debit card with cashback rewards.
- Online and Mobile Banking.
- Access to over 60,000 USAA-preferred ATMs nationwide.
- Free first 10 non-USAA ATM withdrawals.
- Overdraft Protection (when linked to another USAA bank account).
- Advice with USAA.
- Shopping benefits and discounts.
- Savings Booster tools.
- Award-winning customer support, available at 800-531-USAA (8722).
Checking account fees
-
Monthly Fee$0
-
APY0.00%
-
Minimum Deposit to Open$25
-
Out-of-Network ATM Transaction Fee$2*
-
Out-of-Network ATM Withdrawal Fee$2*
-
Overdraft Fee$29
-
Non-Sufficient Funds Fee$29
-
Foreign Transaction Fee1%
USAA Cashback Rewards Checking Account FAQ
You can join USAA for free if you're a U.S. military member or a spouse or a child of a U.S. military member.
You'll need to provide:
- Your date of birth, contact information and Social Security number,
- Details about you or your family member's military service,
- A passport or permanent resident card, if you're not a U.S. resident.
Once that's been done, you'll need to set up your access by creating your online ID and password. From there, you'll be able to apply for a USAA bank account or purchase other products or services they offer.
As a USAA Cashback Rewards Checking accountholder, you'll earn 10¢ with each qualified debit card purchase. Your rewards will appear in your account balance within 1 to 2 days. There's no limit to how much cash back you can earn.
You can earn cash back with USAA for any purchase you make using your debit card, except for ATM withdrawals, debit card cash advances, gaming transactions, tax payments, person-to-person transfers, including send money payment transactions using Zelle®, and the purchase of other cash equivalents.
If your account is in good standing, you can redeem your cash back rewards whenever you want on the USAA website through the USAA Mobile App or by calling 800-980-USAA (8722).
You can have your cash back credited to your USAA checking account or you can donate it or use it to buy gift cards, merchandise or book travel.
You can use the USAA Mobile App for everyday, convenient banking. You can:
- pay bills for free using USAA Pay Bills,
- make mobile deposits using USAA Mobile Deposits,
- send money to anyone with a U.S. bank account using Zelle,
- add your card to a digital wallet using Apple Pay, Google Pay or Samsung Pay,
- quickly and safely check your balance using Quick Balance Widget,
- track your spending and recent transaction activity using USAA Money Manager.
If you're interested in USAA insurance or other services, you should know that you can also use the USAA Mobile App to:
- get an Auto ID card,
- request roadside assistance,
- report claims,
- review accident checklist,
- buy or sell a car,
- access travel deals, online shopping discounts, and home solutions,
- use USAA's real estate services, and more!
You can get the USAA Mobile App on the App Store or on Google Play.
As a USAA member, you get to enjoy plenty of benefits that will definitely simplify your life! These include:
- Home Solutions: ADT™ Home Security, PODS® Moving and Storage, Tenant Screening, Pet Insurance, Home Contractors, Home Builders, Home Maintenance and Protection Advice.
- Travel Deals: car rentals (Avis, Budget, Enterprise, Hertz); flights, hotels, resorts, cruises and tours, travel insurance.
- Online Shopping: MemberShop, FedEx Shipping, TurboTax.
- Vehicle Maintenance Center.
- Health, Wellness, and Fitness (the Active&Fit Program).
Of course, this is just a mere overview of the benefits you'll receive. Many of these are subject to terms and conditions, while other offers might be geo-restricted.
USAA Savings Booster tools include 4 free tools you can use to save money automatically.
These tools are:
- Text Savings Tool: every couple of days, USAA will check your account balance, and eventually transfer between $1 and $9 to your USAA Savings account (USAA will never make the transfer if it puts your checking account balance below $100). You'll receive a daily text message from USAA to let you know how much money you have in your balance.
- Recurring Transfers Tool: USAA will automatically move money from regular deposits made to your checking to your USAA savings account - but it's up to you to decide which recurring deposits should be used and how much money transferred.
- ATM Rebates Tool: USAA reimburses up to $15 per month if other banks charge you a fee for using their ATMs; however, this doesn't apply for USAA Cashback Rewards Checking accountholders.
- Tax Refunds Tool: You set an amount of your tax refund to be transferred, once deposited, from your USAA checking to your USAA savings account.
As we mentioned, once you've signed up and set up a few preferences, you can just relax, and watch your savings grow, since all is done and handled automatically by USAA!
USAA's routing number is 314074269.
To find USAA Locations, whether it be for money withdrawals or meeting a USAA representative, you can use USAA's online locator.
7 Best Checking Accounts for 2023
Featured Checking Accounts
| Bank | Monthly Service Charge | Minimum Deposit to Open | APY |
|---|---|---|---|
| USAA Cashback Rewards Checking Account | $0 | $25 | 0.00% |
| USAA Classic Checking Account | $0 | $25 | 0.01%* |
| USAA Youth Spending Checking Account | $0 | $25 | 0.01%* |
| Bank | Monthly Service Charge | Minimum Deposit to Open | APY |
|---|---|---|---|
| Comerica Bank Rich Rewards® Checking Account | $18 (can be waived / reduced) | $50 | 0.01% |
| Comerica Bank Premier Checking Account | $22 | $50 | 0.01% |
| Comerica Bank Comerica Platinum Circle Checking® | $0 | $50 | 0.10% / 0.25% |
