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USAA Bank vs Wells Fargo

USAA Bank is a savings account with low rate and limited availability. How does it compare to Wells Fargo? Read our comparison chart below.

 

USAA Bank

Wells Fargo

SPECIAL OFFER
6-Month CD - 3.45% APY - Learn More

Read USAA Bank Review

SPECIAL OFFER
Personal Checking Account - $300 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

Savings 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.
CD Standard Fixed Term CD available online: 2.00% to 2.75% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
Checking Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
ATMs100,000+ USAA and USAA-preferred ATMsapproximately 11,000 ATMs across the country
Customer Service
  • Monday to Friday 8:00AM - 7:00PM (ET)
  • Saturday & Sunday 9:30AM - 2:00PM (ET)
Available 24 hours a day, 7 days a week.
IRA CD Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations5 financial centers in Colorado, New York, Maryland, and San Antonioapproximately 4,700 retail banking branches coast to coast
 

CreditDonkey® Reviews

SavingsStarStarHalf StarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
FeesStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
CDStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarHalf Star
Pros & ConsPros:
  • $0 monthly fees
  • Free bank card
Cons:
  • Low APY
  • Not available for all
Pros:
  • Low requirements for Everyday Checking
  • Full service bank
  • 24/7 customer service
Cons:
  • Low savings rates
  • Not in all states
Bottom LineSavings account with low rate and limited availability... Read full reviewA "big 4" bank with a good range of checking accounts and full services... Read full review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

USAA Bank: Pricing information from published website as of 10/21/2024.

Wells Fargo: Pricing information from the published website as of 10/26/2024 is based on the 91101 zip code.

Which is Better: USAA Bank or Wells Fargo?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing USAA Bank or Chase.

In short: Wells Fargo's customer service is worth mentioning.


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.

Articles on Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

Wells Fargo High Yield Savings Review

Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.

Wells Fargo Bank CD Rates

Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

Which Do You Think is Best?





Which Bank Account is Right for You?


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