USAA Classic Checking has no monthly service charge, but USAA does charge a $29 overdraft fee in some cases, a 1% foreign transactions fee, and $20 per outgoing wire. An international wire costs $45 in total ($20 wire fee plus a $25 international wire service fee). All figures come from USAA Federal Savings Bank’s Account and Service Fee Schedule effective October 2025, so confirm current amounts with USAA.
USAA Fees at a Glance
| Fee | Amount | Notes |
|---|---|---|
| Monthly service charge (Classic Checking) | None | $25 to open |
| Overdraft fee | $29 | Max 1 per day per account; none if overdrawn $100 or less at end of day or for items of $5 or less |
| Non-sufficient funds fee | None | Declined or returned items |
| Foreign transactions fee | 1% | Debit card purchases and ATM or other cash withdrawals in a foreign currency, or in U.S. dollars abroad |
| ATM service fee (USAA’s own) | None | Non-USAA ATM operators may charge |
| ATM surcharge rebate | Up to $10 per monthly statement cycle | Only if the ATM operator identifies the fee |
| Outgoing wire (domestic or international) | $20 | International adds a $25 service fee ($45 total) |
| Incoming wires | $0 | Other institutions may charge for incoming international wires |
| Stop payment | $29 per order | Not charged on preauthorized electronic transfers |
| Official/teller’s check | $10 per item | One no-fee check per member each calendar year |
Monthly Fees: None on Classic Checking
| Account | Monthly service charge | Minimum to open |
|---|---|---|
| USAA Classic Checking | None | $25 |
| USAA Youth Spending | None | $25 |
The October 2025 fee schedule lists these two checking accounts. It does not list a separate Performance Checking account.
Overdraft Fees
Per the fee schedule, USAA charges a $29 Overdraft Fee on each item it pays when the available balance isn’t enough, with a maximum of one fee per day per account. It does not charge the fee if the account is overdrawn by $100 or less after all transactions have processed at the end of the business day, or for individual items of $5 or less. It charges no non-sufficient funds fee for items it declines or returns, and no overdraft protection transfer fee.
USAA’s deposit agreement describes two overdraft settings. With Standard Overdraft, USAA may pay checks, ACH items and some card transactions at its discretion, and overdraft fees may apply. With Auto-Decline, it declines or returns those items unpaid and overdraft fees do not apply. Check your setting with USAA.
Wire Transfer Fees
| Transfer Type | USAA Fee |
|---|---|
| Outgoing domestic | $20 |
| Outgoing international | $45 ($20 wire fee + $25 international wire service fee) |
| Incoming domestic | $0 |
| Incoming international | $0 from USAA; other institutions or third parties may charge |
Wire transfer instructions for receiving funds at USAA:
| Field | Value |
|---|---|
| Bank name | USAA Federal Savings Bank |
| ABA routing number | 314074269 |
| SWIFT code (international) | None of its own — routes via intermediary The Bank of New York, IRVTUS3NXXX |
| Bank address | 10750 McDermott Freeway, San Antonio, TX 78288 |
| Beneficiary account number | Your USAA account number |
ATM Fee Rebate
USAA says it charges no ATM service fee. When you use a non-USAA ATM outside its preferred network, the ATM’s owner or network may charge a surcharge or usage fee. USAA refunds up to $10 per monthly statement cycle of those fees, and only if the owner or network properly identifies the fee in the information it sends to USAA. Fees above $10 in a cycle are yours to pay.
How USAA Compares With Navy Federal
| Fee | USAA | Navy Federal |
|---|---|---|
| Monthly checking | None (Classic Checking) | $0 |
| Overdraft | $29 (max 1/day; $100 and $5 cushions) | $20 ($0 Active Duty, verified navyfederal.org) |
| Foreign transaction | 1% | 0% |
| Domestic wire out | $20 | $20 (verified navyfederal.org, Sept. 2026) |
| ATM reimbursement | Up to $10/statement cycle | Up to $10/statement cycle (Flagship, direct deposit required) |
Related Guides
- USAA ATM limits 2026 — $600 a day and the $10 rebate
- USAA transfer limits 2026 — Zelle, ACH, and wire details
- USAA routing number 2026 — 314074269, international wire instructions via intermediary bank
- USAA vs Navy Federal 2026 — full fee and feature comparison
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