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 | |
|---|---|---|
Personal Checking Account - $200 Bonus - | Personal Checking Account - $2,500 Bonus - | |
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 | 0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open. | Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% 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 | Classic Checking, Youth Spending | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking |
| Mobile App | ||
| ATMs | 100,000+ USAA and USAA-preferred ATMs | 11,000+ ATMs across the country |
| Customer Service |
| Available 24 hours a day, 7 days a week. |
| IRA CD | 0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250. | 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. |
| Locations | 4 financial centers in Colorado, New York, Maryland, and Texas | approximately 4,100 retail banking branches coast to coast |
CreditDonkey® Reviews | ||
| Savings |    | |
| Fees | | |
| Mobile App | | |
| Customer Service | | |
| CD | | |
| Checking | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Savings account with low rate and limited availability... | A "big 4" bank with a good range of checking accounts and full services... |
USAA Bank: Pricing information from published website as of 03/29/2025. Wells Fargo: Pricing information from the published website as of 03/22/2025 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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