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USAA Bank Promotions

Read our in-depth review of USAA Bank to see why USAA Bank scored 3.4 stars out of 5. We like their $0 monthly fees and free bank card.

If you're looking for bank promotions, you must check out these offers.

$200

Personal Checking Account - $200 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of at least $100 into the account within 180 calendar days after account opening.

Expires 4/24/2025
2.25%

6-Month CD - 2.25% APY

  • Minimum Deposit to Open: $1,000
2.00%

9-Month CD - 2.00% APY

  • Minimum Deposit to Open: $1,000
2.00%

9-Month Jumbo CD - 2.00% APY

  • Minimum Deposit to Open: $95,000
1.80%

1-Year CD - 1.80% APY

  • Minimum Deposit to Open: $1,000
1.65%

18-Month CD - 1.65% APY

  • Minimum Deposit to Open: $1,000
1.40%

2-Year CD - 1.40% APY

  • Minimum Deposit to Open: $1,000
1.30%

30-Month CD - 1.30% APY

  • Minimum Deposit to Open: $1,000
1.30%

3-Year CD - 1.30% APY

  • Minimum Deposit to Open: $1,000
1.25%

4-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000
1.25%

5-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000
1.25%

7-Year CD - 1.25% APY

  • Minimum Deposit to Open: $1,000

USAA Performance First®

Daily Collected BalanceAPY
Less than $10,0000.01%
$10,000 to $49,999.990.01%
$50,000 to $99,999.990.45%
$100,000 to $249,999.990.55%
$250,000 to $499,999.990.65%
$500,000 and more1.00%

Standard CD

Term APY
91 Days 0.05%
182 Days 2.25%
7 Months 0.05%
270 Days 2.00%
1 Year 1.80%
15 Months 1.70%
18 Months 1.65%
2 Years 1.40%
30 Months 1.30%
3 Years 1.30%
4 Years 1.25%
5 Years 1.25%
7 Years 1.25%

  • Minimum Deposit to Open: $1,000
Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Expires 5/31/2025
  • The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 05/31/2025.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/16/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Minimum Deposit to Open: $0
  • Direct Deposit Required: Yes
  • Minimum Deposit Required: None
  • When Do You Get It: Within 15 days after meeting requirements
  • Monthly Fee: $12 or $0 with one of the following, each monthly statement period:
    • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
    • OR a balance at the beginning of each day of $1,500 or more in this account,
    • OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Discover Bank
Member FDIC

Online Checking Account - Earn Cash Back

  • 1% cash back on up to $3,000 in debit card purchases each month. See website for details
  • No fees
  • Early Pay - Get your paycheck up to two days early with no charge
  • No credit impact - You can apply without affecting your credit score.
  • Access to over 60,000 no-fee ATMs in the U.S.
  • Minimum Deposit to Open: $0
  • Minimum Deposit Required: $0
  • Monthly Fee: $0
Truist Bank
Member FDIC

Business Checking Account - $400 Bonus

Expires 3/31/2025
  • Earn $400 when you open a new small business checking account and complete qualifying activities.
  • Choose between:
    • Truist Simple Business Checking—Perfect if you're just starting out or have low transaction volume.
    • Truist Dynamic Business Checking—With more perks as your balances grow—and a true, local partnership.
  • New business checking clients only
  • From October 1st, 2024 – March 31st 2025
  • Minimum Deposit to Open: $100
  • When Do You Get It: Within 4 weeks after the qualification requirements have been met and verified
  • Monthly Fee: $0
Terms and Conditions
BMO
Member FDIC

BMO Smart Advantage Checking Account - Earn $350 Cash Bonus*

Expires 5/2/2025

$350 cash bonus when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

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$200

Personal Checking Account - $200 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying direct deposit of $100 or more within 180 calendar days of account opening.

Expired 3/14/2024
$100

Personal Checking Account - $100 Bonus

Open a new USAA Classic Checking account. Set up and receive a qualifying military pay direct deposit of $100 or more within 180 calendar days of account opening.

Expired 10/10/2023

USAA Bank Checking Bonus

What is the checking bonus at USAA Bank?

USAA Bank CD Rates

What is USAA Bank's CD rates?
  • 6-Month CD - 2.25% APY
  • 9-Month Jumbo CD - 2.00% APY
  • 9-Month CD - 2.00% APY
  • 1-Year CD - 1.80% APY
  • 18-Month CD - 1.65% APY
  • 2-Year CD - 1.40% APY
  • 30-Month CD - 1.30% APY
  • 3-Year CD - 1.30% APY
  • 4-Year CD - 1.25% APY
  • 5-Year CD - 1.25% APY
  • 7-Year CD - 1.25% APY

    Highlights

    Savings
  • USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open.
  • USAA Performance First Savings: Earn up to 1% APY. $1,000 to open.
  • CD
    0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
    Checking
    Classic Checking, Youth Spending
    Mobile App
    iOS & Android
    ATMs
    100,000+ USAA and USAA-preferred ATMs
    Customer Service
    • Monday - Friday: 9AM - 5PM (ET)
    • Saturday: 8:30AM - 1PM (ET)
    IRA CD
    0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.
    Locations
    4 financial centers in Colorado, New York, Maryland, and Texas

Pricing information from published website as of 02/08/2025.

 

USAA Bank

Navy Federal Credit Union

 

Benefits and Features

Savings
  • USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open.
  • USAA Performance First Savings: Earn up to 1% APY. $1,000 to open.
  • Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.
    CD0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.Standard Certificate: as high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000.
    CheckingClassic Checking, Youth SpendingFree Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
    Mobile App
    iOS & Android
    iOS & Android
    ATMs100,000+ USAA and USAA-preferred ATMsOver 1.7 million Navy Federal and CO-OP Network ATMs
    Customer Service
    • Monday - Friday: 9AM - 5PM (ET)
    • Saturday: 8:30AM - 1PM (ET)
    Phone: 888-842-6328
    24/7 customer support
    Online chat
    IRA CD0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.As high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000.
    Locations4 financial centers in Colorado, New York, Maryland, and Texas
    335 branches

    USAA Bank: Pricing information from published website as of 02/08/2025.

    Navy Federal Credit Union: Pricing information from published website as of 01/06/2025 based on 91107 zip code.

    USAA Savings

    • 0.01% APY on all balances
    • $25 minimum opening deposit
    • Minimum Deposit to Open: $25

    USAA Youth Savings

    • 0.01% APY on all balances
    • $25 minimum opening deposit
    • Minimum Deposit to Open: $25

    Youth Spending Account

    • No monthly fee
    • Minimum opening deposit of $25
    • No overdraft fee
    • FDIC insured
    • Minimum Deposit to Open: $25
    • Monthly Fee: $0

    USAA Bank Alternatives

    Chase
    Member FDIC

    Chase Secure Banking℠ - $100 Bonus

    Expires 4/16/2025
    • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
    • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
    • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
    • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
    • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
    • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
    • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
    • JPMorgan Chase Bank, N.A. Member FDIC.
    • Minimum Deposit to Open: $0
    • Direct Deposit Required: No
    • Minimum Deposit Required: None
    • When Do You Get It: Within 15 days after completing qualifying activities
    • Monthly Fee: $4.95 or $0; Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.
    Bank of America
    Member FDIC

    Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

    Expires 12/31/2025
    • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
    • The offer is for new eligible business checking customers only.
    • Offer expires 12/31/2025.
    • To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
    • Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
    • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
    • Additional terms and conditions apply. See offer page for more details.
    • *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
    • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
    • Bank of America, N.A. Member FDIC
    U.S. Bank
    Member FDIC

    Silver Business Checking account - $500 Bonus

    Expires 3/31/2025

    Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.

    Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

    • Minimum Deposit to Open: $100
    • Monthly Fee: $0 monthly maintenance fee
    Discover Bank
    Member FDIC

    Discover® Online Savings - $200 Cash Bonus

    Expires in less than 1 hour

    To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

    What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

    CIT Bank
    Member FDIC

    CIT Bank Platinum Savings - $300 Bonus

    • Transfer a one-time deposit of $50,000+ for a Bonus of $300
    • 4.30% APY with a balance of $5,000 or more
    • 0.25% APY with a balance of less than $5,000
    • No monthly maintenance fee
    • Member FDIC
    • Minimum Deposit to Open: $100
    • Direct Deposit Required: No
    • Minimum Deposit Required: Transfer a one-time deposit of $50,000+ within 30 days from the account open date
    • When Do You Get It: Bonus fulfillment: 60-days from the funding date
    • Monthly Fee: $0
    Terms and Conditions

    Articles on USAA Bank

    USAA Routing Number

    USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.

    USAA Savings Account Interest Rate

    Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.

    USAA High Yield Savings

    USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.

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    About CreditDonkey
    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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