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USAA Checking Account Review
USAA checking review 2024: fees, pros/cons, interest. Free checks, ATM deposits, debit card rewards, new client promo offer.
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USAA Checking Accounts
USAA has been providing financial services to the members of the military and their family since 1922. They are dedicated to helping the men,
women and the families of those who served their country. It should come as no surprise that they offer checking services that are among the
best in the industry. In order to understand why they are the best, it is important to look at what USAA offers.
Types of Accounts
USAA members are offered two types of checking accounts. The first checking account is the Secure Checking and the second type is the Secure
Checking Plus. The best way to decide which one is best is to look at each and see what they offer. It is also a good idea to compare what
USAA offers to what other banks and financial services offer.
Online Checking Account
The first thing to notice about these accounts is that they are online checking accounts. There is no need to find a local branch for USAA
checking. All of the transactions that are needed can be done online. USAA offers a secure connection to make sure that all of their
member’s information is safe.
It is easy to use an online checking account such as USAA. Deposits of checks can be made using a smartphone or a scanner. It is also possible to make deposits at over 2,000 UPS store locations around the world. USAA also offers direct deposits for anyone that wants to take advantage of this service.
Getting money is also very easy. Money can be withdrawn from ATMs around the world. The debit card can also be used to get cash back at many different retailers when a purchase is made. It is very easy for anyone to get the money they need even though there are no branches that they can walk into.
USAA Checking Fees
Online savings accounts can offer considerable savings over traditional banks. The Secure Checking does not charge any fees for members. The
fee for the Secure Checking Plus is just $9.95. Both type so checking accounts offer free use of the USAA preferred ATMs. USAA will cover the
first $15 in fees that non-preferred banks ATMs charge for their use.
USAA Checking Features
The low cost of using a USAA checking account is only the beginning of what is offered. The checking accounts also offer many other great features that include:
- Online bill pay and management through Web BillPay. Members can view the bills that they have registered, schedule one-time or recurring payments and choose the date when the payments are made.
- Send money to anyone through the use of their smartphone. All that is needed is an email or a mobile phone number to complete the transaction.
- Transfer money from and to any bank in the country without any fees
- Manage your finances using the USAA Money Manager. It will help create a budget and track an individual’s spending.
- Create alerts to that tell of any unusual activity or any pending activity on your account
- Zero liability for any unauthorized debit charges
USAA Secure Checking Plus Features
The Secure Checking Plus offers all the above features plus a few extra:
- Identity protection for the member and one additional person on the account
- Lost wallet protection. This feature helps replace both USAA cards that are lost and other cards that are lost.
- One Million Dollars of identity theft insurance.
- Free replacement of lost or damaged items that are purchased with the card for 90 days
- Items purchased with the debit card will get double the warranty
- The USAA debit card offers the benefits of the World MasterCard. These include price protection, travel assistance and roadside assistance.
USAA Checking Pros and Cons
The USAA checking account offers many great features, but like any other checking account it is not perfect. There are some things that some people may not think make this card so great. The biggest fear that people have is the fact that it is an online checking account. Even if an individual rarely goes to a branch, they still like to see their bank on the corner when they are out driving. That is not possible with an online bank.
Despite this negative, the USAA checking account is from a company with a great reputation. Because they have been serving the members of the military and their families for nearly 100 years, they have the security that people want from their bank. They offer a safe and secure process online whether using a desktop, laptop or a mobile device.
Comparisons
There are plenty of banks to choose from when looking for a checking account. USAA checking compares very favorably with other banks. Many banks charge higher fees for a checking account and they often have additional requirements such as minimum amounts of direct deposits every month or a minimum average daily balance to qualify for the reduced fees. Even if these extra requirements are ignored, few banks are able to match all of the features that are offered by USAA checking accounts. Very few offer free use of ATMs and the idea of extended warranties or purchase assistance is unique to the USAA members.
USAA checking is ready to take care of the military families that need a convenient, affordable, reliable and full-featured checking account. It only takes a few minutes to register for an account and get started with a company that reflects the way America should be.
ATM Rebates. No monthly service Fees. USAA Classic Checking.
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