Find the latest USAA bonuses, promotions, and offers here.

Update 1/15/25: The $200 checking bonus offer is now available through 4/24/25.

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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 $200 Checking Bonus

Earn a $200 bonus when you open qualifying checking account and meeting certain requirements.

What you’ll get: $100 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 180 calendar days.
- Receive $200 bonus in your account within 60 days of your qualifying direct deposit.

Learn More at USAA

(Expires 04/24/2025)

You can compare this to several great entry level checking accounts with offers include the:
Chase Total Checking ($300 Bonus)	KeyBank Checking ($300 bonus)
Bank of America Checking ($300 Bonus Offer)	Truist Checking ($400 bonus)
SoFi Checking & Savings Account ($325 bonus)

Fine Print

Eligibility: Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as USAA Bank, applied for between January 15, 2025, and April 24, 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 January 15, 2025, and April 24, 2025, by 11:59 PM Central Time, open your account, and receive a qualifying direct deposit of at least $100 into the account within 180 calendar days after account opening. Note that your account open date may not be the same as your application date. 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 $200 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 $1000 or more, the APY is 0.01%, accurate as of January 15, 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 limited to 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 Classic Checking account. Offer may be discontinued or changed at any time without notice.

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!