Find the latest USAA promotions, offers, and discount deals here.
Update 5/14/25: There’s currently a $250 checking and $200 savings bonus offers available through 9/3/25.
USAA is designed for military families and understands what they need and provides the support they can without any additional fees such as annual fees or foreign transaction fees!
Current USAA Promotions
USAA $250 Checking Bonus
USAA is offering a $250 bonus when you open a new checking account.
- What you’ll get: $250 bonus
- Account Type: Checking
- Availability: Nationwide but restricted membership
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Up to $100 with a credit card
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Expires 09/03/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Apply for and open your first USAA Classic Checking account with a minimum opening deposit of $25.
- Set up and receive a qualifying direct deposit of $100 or more within 90 calendar days.
- Receive $250 bonus in your account within 60 days of your qualifying direct deposit.
- Checking Cash Promotion Offer Terms and Conditions
- Eligibility: Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as USAA Bank, applied for between May 7, 2025, and September 3, 2025, by 11:59 PM Central Time. The account is not eligible for this offer if: 1) the primary account holder currently has, or has had, primary, secondary, or any other ownership of a USAA Bank checking account (including USAA Youth Spending accounts) in the 12 months prior to account opening; or 2) the account is titled as a trust account, estate account, Uniform Transfers to Minors Act account, or any other representative or fiduciary account. The primary account holder is the account holder whose U.S. taxpayer identification number is used for tax reporting purposes on the new account. The account must remain open and in good standing through the time we attempt to deposit any earned bonus payment.
- Bonus Requirements and Payment: To qualify for the bonus, apply for a new USAA Classic Checking account between May 7, 2025, and September 3, 2025, by 11:59 PM Central Time, open your account, and receive a qualifying direct deposit of at least $100 into the account within 90 calendar days after account opening. A qualifying direct deposit is a single Automated Clearing House, also known as ACH, electronic deposit of $100 or more. An electronic transfer initiated from your new USAA Bank checking account that instructs USAA Bank to pull funds from another financial institution into your account does not qualify as a direct deposit. Internal transfers between USAA Bank accounts do not qualify. We will attempt to deposit the $250 bonus into your qualifying new USAA Classic Checking account within 60 calendar days after the first qualifying direct deposit amount has been received. You are responsible for any federal, state, or local taxes due on the bonus and we will report the bonus as income to the tax authorities if required by applicable law. Consult your tax advisor.
- Additional Terms and Conditions: All account applications are subject to approval prior to opening and may be subject to a $25 minimum opening deposit. For USAA Classic Checking accounts with a daily ledger balance of $1,000 or more, the APY is 0.01%, accurate as of May 7, 2025. For current annual percentage yield or APY, refer to usaa.com/checking. Rates may change at any time. Fees may reduce earnings. Offer can’t be paid without a valid U.S. taxpayer identification number or combined with any other offer related to checking accounts. This offer is limited to one bonus per account, on first eligible account only. If multiple accounts are opened during the offer period, only the first account applied for with the lowest account number will be eligible. Offer cannot be reproduced, purchased, sold, transferred or traded. See the Depository Agreement and Disclosures for terms and conditions of your USAA Classic Checking account. Offer may be discontinued or changed at any time without notice.
USAA $200 Savings Bonus
USAA is offering a $200 bonus when you open a new savings account.
- What you’ll get: $200 bonus
- Account Type: Savings
- Availability: Nationwide but restricted membership
- Direct Deposit Requirement: No
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: Up to $100 with a credit card
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Expires 09/03/2025)
| AlumniFi Credit Union Savings (4.75% APY) | SoFi Checking & Savings ($325 Bonus + 3.80% APY) |
| Upgrade Premier Savings (4.15% APY) | Discover® Bank Savings (Up to $200 Bonus + 3.70% APY) |
| CIT Bank Platinum Savings ($225 or $300 Bonus + 4.10% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| FVCbank Advantage Direct Savings (4.55% APY) | Live Oak Bank Savings ($300 Bonus + 4.20% APY) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Apply for a new USAA Performance First® Savings account between 5/7/2025 and 9/3/2025 before 11:59 p.m. Central Time.
- Deposit at least $15,000 in new money see note 1 within 30 days of opening your account.
- Maintain a $15,000 daily ledger balance in the account for 90 additional days from the 30th day after account opening.
- Savings Cash Promotion Offer Terms and Conditions
- Eligibility: Offer available for new USAA Performance First Savings accounts from USAA Federal Savings Bank, also known as USAA Bank, applied for between May 7, 2025, and September 3, 2025, by 11:59 p.m. Central Time. The account is not eligible for this offer if it is titled as a trust account, estate account, Uniform Transfers to Minors Act account, or any other representative or fiduciary account. The account must remain open and in good standing through the time we attempt to deposit any earned bonus payment.
- Bonus Requirements and Payment: To qualify for the bonus:
- (1) Apply for a new USAA Performance First Savings account between May 7, 2025, and September 3, 2025, by 11:59 p.m. Central Time.
- (2) Once your account is opened, receive qualifying new money deposits of at least $15,000 into the account by the end of the Initial Funding Period, which is 30 calendar days after account opening. Note that your account open date may not be the same as your application date. New money deposits are deposits that are new to USAA Bank, deposited into your new savings account from outside of USAA Bank. Electronic deposits or transfers received from any other USAA Bank account or product or from a USAA Bank credit card do not qualify. Interest earned on your account and any fee rebates or waivers credited to your account do not qualify. Deposit cutoff times apply. Deposits may be subject to limits. Depending on your limits, you may need to initiate multiple deposits or initiate deposits from your non-USAA Bank accounts. See the Depository Agreement and Disclosures for details.
- (3) Maintain a minimum daily ledger balance of at least $15,000 for the duration of the Qualification Period, which is a period of 90 calendar days after the Initial Funding Period. The total promotion period is 120 days from your account open date. If the account’s ledger balance drops below the $15,000 minimum daily ledger balance on any day during the 90-calendar day Qualification Period, the account will not qualify to receive the cash bonus. The ledger balance in the account is determined each business day at the completion of our end-of-day processing.
We will attempt to deposit the $200 bonus into your qualifying new USAA Performance First Savings account within 60 calendar days after the end of the Qualification Period. You are responsible for any federal, state, or local taxes due on the bonus and we will report the bonus as income to the tax authorities if required by applicable law. Consult your tax advisor.
- Additional Terms and Conditions: All account applications are subject to approval prior to account opening and may be subject to a $1,000 minimum opening deposit. Offer can’t be paid without a valid U.S. taxpayer identification number or combined with any other bonus related to consumer savings accounts. Offer is limited to one bonus per member, one bonus per account, on first eligible account only. Offer cannot be reproduced, purchased, sold, transferred or traded. See the Depository Agreement and Disclosures for terms and conditions of your USAA Performance First Savings account. Offer may be discontinued or changed at any time without notice.
Earn $10 Bonus Cash w/ $150+ via Shopping Portal
- Direct Link to Offer
- Promotion: Earn $10 Bonus Cash w/ $150+ via Shopping Portal
- Expiration: 11/9/2022
- How to get it:
- Log into your USAA account
- Spend on the shopping portal .
- Spend $150, earn $10 bonus cash
- Terms & Conditions: During the “Holiday Bonus” offer, which runs from 11/4/2022 through 11/9/2022 at 11:59:59 pm ET (the “Bonus Period”), Member will earn a one-time bonus of $10 Cash Back on qualifying purchases, in addition to the standard Cash Back earned from shopping online through MemberShop. This one-time bonus award will be determined based on Member’s cumulative qualifying purchases made during the Bonus Period: Earn $10 Cash Back for qualifying purchases of at least $150 or more. “Qualifying purchases” do not include returns, cancellations, shipping and handling, taxes, gift card or other cash equivalent purchases, and certain products that are not eligible for Cash Back. Please see the MemberShop site for details on product eligibility and other restrictions. Please allow up to 10 weeks after the Bonus Period for bonus Cash Back to post to your account. Void where prohibited by law.
(Click here to learn more at USAA)
Online Checking
USAA’s Free Checking account offers free mobile deposit, Bill Pay, funds transfers to and from any bank, and zero liability for unauthorized charges.
- No monthly service fees
- No minimum balance requirements
- 60,000 free ATMs nationwide
- ATM fee reimbursements for out-of-network ATMs
- Send money to anyone using an email or mobile number
- Free direct deposits
- Free transfers and bill payments
- Make mobile deposits with your smartphone
- Use Apple Pay and Android Pay to securely pay stores
About USAA
The United Services Automobile Association (USAA) is a San Antonio, Texas-based Fortune 500 diversified financial services group of companies including a Texas Department of Insurance-regulated reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families who serve, or served, in the United States Armed Forces.
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Bottom Line
This is one of the best military friendly credit card companies out there currently because they understand what members of the military go through. You gain great features, protection, and convenience when you sign up with USAA Bank. If you’re interested in more opportunities like these, check out our full listing of the best cash back shopping portals!
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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