USAA Free Checking Account

USAA’s Free Checking Account is another in long list of online checking accounts. It’s important to note that USAA doesn’t have any branches so therefore all deposits and transfers need to be online. This account is only for USAA members which means that you must be enlisted military personel, though there are some exceptions. You can find them here.

It’s also important to know that USAA has exceptional customer service. They are always ranked amongst the top in customer service in nearly every category they enter. I could only imagine it’s the same level of service you’ll receive whenever calling in for customer service on your free checking account.
USAA Free Checking offers the basics every online checking account has to offer. They do offer Nationwide Free ATM Withdrawls, No Monthly Fees and free online banking. However, there’s a catch with the Nationwide Free ATM Withdrawals.
So what does USAA Free Checking have to offer?

-Free WorldWide ATM Use
-Free Deposit@Home for Qualifying Members
-Free Bill Pay
-Free Unlimited Funds Transfers
-No Monthly Fees
-Free Online Banking
-Pays Interest

Any Catches?
Yes, limits on ATM withdrawals, no in-branch deposits and checking account interest rate is nowhere to be found.
-Free Deposit@Limit 10 Free ATM Withdrawals and $15 refund limit on other banks charges.

-Members Only – Account Membership is reserved only for Active Duty Officers and enlisted Personnel.

Interesting note here. Normally, online checking accounts don’t have an easy way of depositing to the account unless setting up a transfer. USAA combats this with Deposit @ Home which lets you scan your checks from a scanner and have them deposited online. It’s a pretty neat feature for those that normally recieve paper checks and it’s a great alternative.

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