USAA Secure Free Checking Account

USAA offers truly free checking regardless of your balance including free ATMs nationwide. At the end of the month customers get reimbursed any ATM fees. Plus qualifying members can deposit checks with [email protected]® app.

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Advertiser Disclosure

No Fees, No Minimums, Free Nationwide ATMs.

Free unlimited funds transfers to and from any bank.

Mobile check deposits.

Account Details

Credit Needed

USAA does not use Chexsystems to open accounts. USAA will pull your credit to verify your identity. Membership is only open to military members, veterans and their eligible family members. A spouse or adult child may be eligible through marriage or a parent.


USAA Checking Account is best for members who want a free checking account, free nationwide ATM use and the ability to pay bills and deposit checks online. View and manage your checking account online or with your mobile phone. Free unlimited funds transfers to and from any bank nationwide. USAA is a great bank and there are no monthly fees regardless of your balance. There is a $25 initial deposit required to open an account. USAA offers immediate credit for deposits. There is no waiting on deposits to clear. This feature is exceptional since most USAA customers do not have access to a local branch.

Free Bill Pay

Pay and manage your bills with Web Bill Pay®. Send money to anyone from your phone using an email or mobile number. Use Apple Pay™ to securely pay stores with just a touch of your iPhone®.

Mobile Deposits

Deposit checks from anywhere. Make check deposits from your mobile device or your laptop. Or, deposit checks at select locations of The UPS Store®. And at deposit-taking ATMs.


From credit cards to personal loans, auto loans, insurance products, mutual funds, brokerage accounts and free financial advice you can’t go wrong with USAA Bank. It is a full-service bank with excellent customer service. No fees, no minimum balance requirements and a truly free checking account.


USAA has limited membership. It is not open to all consumers and that is unfortunate. At one time USAA allowed anyone to become a member and many consumers have benefited from their vast services.

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    Summary of Key Benefits:
  • Use 60,000 USAA-preferred ATMs for free. Plus, if you have to use another bank’s ATM we’ll refund their bank fee
  • Qualified members can deposit checks with their smartphone
  • Pay, manage and view all your bills in one place with Web BillPay
  • Send money to anyone from your phone using an email or mobile number
  • Create a budget and track your spending with USAA MoneyManager
  • Free unlimited funds transfers to and from any bank nationwide
  • Receive alerts when there’s suspicious activity on your USAA account
  • Zero liability for unauthorized debit card charges
The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The credit card offers that appear on this site are from credit card companies from which this site may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

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