How To Open USAA Checking Account Online

Learn how to open USAA Checking Account Online as it could help with your spending needs by offering debit cards, paper checks, online bill payments options and more.

Fortunately, you can complete most banking tasks online—even opening your account, in many cases. That means you don’t need to make trips to a branch or print and sign paper forms. It’s all handled digitally, and once your account is open, you can transfer funds and pay bills online.

In this post, we will take a closer look at the benefits of opening a USAA checking account, types of USAA checking accounts, the requirements and the steps involved in opening USAA checking account online.

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What Are The Benefits of Opening a USAA Checking Account?

Did you know that tens of millions of Americans don’t have a bank account at all? Some people feel as if they don’t have enough money to justify using a bank. Others prefer to deal with cash rather than worrying about checks or debit cards.

Some—especially among the millennial age range—developed a mistrust of banks following the 2008 financial crisis. Still, the fact is that virtually everyone from teenagers and up can benefit from opening a USAA checking account.

USAA Checking accounts could help with your spending needs by offering debit cards, paper checks, online bill payments options and more.

  1. Mobile Deposits: Use USAA Deposit to deposit checks.
  2. USAA Pay Bills: Schedule one-time or recurring online bill payments in minutes.
  3. Early Direct Deposit: If you’re active military, you can get paid a day early if you set up direct deposit.
  4. USAA Mobile App: Use their mobile app to pay bills, send money and locate ATMs.

How Many Types of Checking Accounts Does USAA Have?

USAA has two different checking accounts: USAA Classic Checking and the USAA Youth Spending. Lets compare the both to see which is best for you.

1: USAA Classic Checking

Do you think you’ll use ATMs outside the preferred network a lot? Start an account today with as little as $25.

With USAA Classic Checking, you can get up to $15 back each statement cycle when other banks charge you ATM fees, Earn interest when your daily balance is $1,000 or more. What are the features of USAA Classic Checking? Lets take a look below.

1: No Monthly Service Fees: You won’t pay any monthly service fees, regardless of how you use your account.

2: ATM Access: Access to over 60,000 preferred ATMs nationwide. Plus, if you have to use another ATM, they’ll refund up to $15 per statement cycle.

3: Early Direct Deposit: If you’re active military, you can get paid a day early if you set up direct deposit.

How To Open USAA Checking Account Online
USAA Classic Checking Interest Rates

2: USAA Youth Spending

Do you want an account with someone younger than 18? USAA Youth Spending account help them learn how to manage their own money, with USAA Youth Spending account, Parents can set account limits based on your kid’s needs and experience. Earn interest when your daily balance is $1,000 or more.

Help Your Kids Manage Money

Start your child on the right financial path. USAA Youth checking account is a kids bank account that comes with tools you can use to help teach your child smart money management. As a parent, you’ll be able to:

  • Sign up for text alerts, such as account balance.
  • Give your child limited, secure access to usaa.com.
  • Choose whether or not your child can transfer money and make deposits.
  • Transfer money into the account at any time.

USAA Youth Spending Shouldn’t Cost a Thing

USAA checking account has:

  • No monthly service fees.
  • Access to over 60,000 preferred ATMs nationwide.
  • Overdraft protection.
  • Direct deposit.
  • ATM/debit cards for teens and kids with zero liability for unauthorized charges.

Mobile App Access for Teens

Once your child reaches age 13, you’ll be able to give them access to the USAA Mobile App so they can easily:

  • Find a nearby ATM.
  • Check their account balance wherever they are.
  • Deposit checks using [email protected], if they qualify.

You may also want to know How To Get USAA Auto Insurance Quote

How To Open USAA Checking Account Online

Now that you have known the types of USAA checking accounts and have also known their features and benefits, its time to decide which account to open.

For a USAA Bank checking account, the minimum opening deposit is $25. You can use:

  • An existing USAA Bank account.
  • Any USAA credit card, up to $100.
  • A Visa or Mastercard from another bank, up to $100.
  • An account at another bank that you can use for transfers.

If you want to open USAA Classic Checking, you would need the following

  • Your date of birth, contact information and Social Security number
  • Details about you or your family member’s military service
  • For non-U.S. citizens, a passport or permanent resident card

To open USAA Classic Checking, go to https://www.usaa.com/join/start/?productId=bank-checking-classic, click on continue to proceed with the account creation.

Then if you want to open USAA Youth Spending go to https://www.usaa.com/join/get-started and click get started”

Note: As part of your request to become a USAA member, they collect information about you and others who will be associated with your membership. This includes information such as name, contact information, date of birth, occupation and military service details.

This information is collected on behalf of each of the USAA companies, and will be used for business purposes, including identification, verification of eligibility, and to market their products and services.

USAA Contact Information

You can reach any department through their main number. To find information for a specific department, refer to that section.

USAA Main Number

USAA Main Mailing Address

USAA
9800 Fredericksburg Rd.
San Antonio, TX 78288

Final Words

Banking online is easy. There’s no driving around town or waiting in line — you manage your money on your own terms when it’s convenient for you.

You can access your accounts on usaa.com and from their free mobile banking app.

  • Deposit checks by taking a picture through the mobile app or use our free, postage-paid envelopes.
  • Deposit cash and checks at select ATMs.
  • Transfer money between your USAA and non-USAA accounts.
  • Use their free money management tools to stay on track.

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