Find the latest USAA bonuses, promotions, and offers here.
Update 5/14/25: There’s currently a $250 checking and $200 savings bonus offers available through 9/3/25.
USAA Bonuses Review
USAA Bank is the Texas-based banking component of the United States Automobile Association, a privately held financial services company offering an array of insurance, banking, investment, and lending products and services. The company’s target market and membership field is limited to members of the U.S. military and their immediate families. The company also has a history of superior credit and service ratings, in addition to its repeated recognitions by major publications for being one of the best companies to work for.
I’ll go over the USAA bonuses & offers below.
USAA $250 Checking Bonus
Earn a $250 bonus when you open qualifying checking account and meeting certain requirements.
- What you’ll get: $250 Bonus
- Eligible account: Checking
- Availability: Nationwide but restricted membership
- Credit Inquiry: Hard Pull or Soft Pull? Let us know.
- Direct Deposit Required: Yes
- Monthly Fees: None
- How to earn it:
- 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.
(Expires 09/03/2025)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($300 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- 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
Earn a $250 bonus when you open qualifying checking account and meeting certain requirements.
- What you’ll get: $250 Bonus
- Eligible account: Checking
- Availability: Nationwide but restricted membership
- Credit Inquiry: Hard Pull or Soft Pull? Let us know.
- Direct Deposit Required: Yes
- Monthly Fees: None
- How to earn it:
- 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.
(Expires 09/03/2025)
| CIT Bank Platinum Savings ($225/$300 Bonus + 4.10% APY). | Discover® Online Savings (Up to $200 Bonus + 3.70% APY) |
| SoFi Checking & Savings ($325 Bonus + 3.80% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| Live Oak Bank Savings ($300 Bonus + 4.20% APY) | |
Fine Print
- 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.
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Conclusion
If you live near an USAA location, you have the opportunity to earn a generous bonuses. To earn these bonuses, simply open the eligible accounts and follow the procedures and the bonuses should be in your hands!
Although these bank promotions are rather generous, you can also utilize our list of Savings, Money Market, and CD rates.
If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Check back often for more USAA Bonuses, Promotions, or Offers!
