USAA Bank Online Checking & Savings Promotions

By: Tony Phan | Last Updated: March 6, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

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USAA Promotions
Reviewed by: Tony Phan
Published on: July 5, 2016
Last modified: March 6, 2018

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Editor: 90%

USAA Bank offers good features and rates for their Online Checking, Savings and Certificate of Deposit (CD) accounts.

Originally established as a federal savings bank with the FDIC in 1983, USAA (United States Automobile Association) now offers a variety of products, including insurance, banking investment, and lending products and services. These products are targeted to members of the U.S. military and their immediate families.

Online banking with USAA allows you to use Bill Pay, mobile deposit and funds transfers. They also have a mobile banking app for convenience.

I’ll go over their popular Checking, Savings and CD accounts here.

USAA Online Checking

USAA Free Checking

USAA’s Free Checking account is going to give you free mobile deposit, Bill Pay, funds transfers to and from any bank, and zero liability for unauthorized charges.

If you use ATMs outside of USAA’s network, you’ll get reimbursed for transaction fees up to a certain amount monthly.

USAA Bank refunds up to $15 in other United States domestic banks’ ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals. The ATM fee refund does not apply for the month in which the account is closed. Subsequent transactions will be charged $2.00 each. Transactions at ATMs located outside of the United States may not be eligible for ATM usage fee refunds. A 1% foreign transaction fee applies to withdrawals outside the United States. No ATM usage fees will be charged at USAA Preferred ATMs pursuant to an agreement with the ATM network/owners to not charge an ATM fee for USAA Bank ATM debit cards.USAA

No monthly service fees
No minimum balance requirements
60,000 free ATMs nationwide
ATM fee reimbursements for out-of-network ATMs
Send money to anyone using an email or mobile number

Free direct deposits
Free transfers and bill payments
Make mobile deposits with your smartphone
Use Apple Pay and Android Pay to securely pay stores

Compare To These Checking Accounts:

There are plenty of good Checking accounts to choose from. For bonus opportunities, I’d recommend looking at these Chase offers. Here are other great options, including other free online Checking accounts:


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($100 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($100 bonus)

Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

Learn More

Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review

CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

Learn More

Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review

Learn More

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

Learn More

More Top Picks

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USAA Online Savings

USAA’s Online Savings account has no monthly service fee and comes with a debit card that can also be used at any ATM nationwide.

No monthly service fee
60,000 Free ATMs nationwide
Fee reimbursements for out-of-network ATMs
Deposit checks with your smartphone

Transfer money from any external bank account nationwide
Deposit cash at USAA deposit-capable ATMs or at a USAA Financial Center ATM

Compare To These Top Savings Accounts:

USAA’s Online Savings rates aren’t that great to be honest (0.05% to 0.30% APY).

Hot Deals
	Chase Total Checking^® + Savings^SM $350 Cash [Terms]
	Chase Premier Plus Checking^SM $300 Cash [Terms]
	Chase Total Business Checking^® $200 Cash [Terms]
	Chase College Checking℠ $100 Cash [Terms]
	HSBC Premier $750 Cash [Terms] Member FDIC
	HSBC Advance $350 Cash [Terms] Member FDIC
	TD Bank Checking $150 To $300 Cash [Terms]
	CIT Bank Money Market 1.85% APY Rate[Terms]
	Barclaycard Arrival^® Plus 60k Miles ($630 Value)[Terms]
	Barclays Arrival^® Premier 75k Miles Yearly[Terms]
	HSBC Cash Rewards Mastercard^® credit card $150 Cash [Terms]
	Ally Invest $3500 bonus [Terms]
	TD Ameritrade $600 Cash [Terms]
	Simple Bank $20 Cash (Unlimited) [Terms]

USAA Bank Online Checking & Savings Promotions

USAA Online Checking

USAA Online Savings

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