Introduction
If you’re affiliated with the U.S. military or are a family member of someone who served, USAA (United Services Automobile Association) offers a trusted and secure banking option. In this guide, we explain how to open a bank account with USAA, who’s eligible, and what documents you need.
What is USAA?
USAA is a financial institution created to serve military members and their families. It offers a wide range of services, including:
- Checking & savings accounts
- Insurance
- Credit cards
- Loans
- Investment services
Who Is Eligible to Open a USAA Bank Account?
You can open a USAA bank account if you fall under any of these categories:
- Active-duty, retired, or honorably discharged military personnel (Army, Navy, Air Force, Marines, Coast Guard, National Guard)
- Cadets and midshipmen at U.S. service academies or in advanced ROTC
- Family members (spouse, children, or sometimes parents) of current USAA members
How to Open a Bank Account with USAA: Step-by-Step
1. Check Eligibility
Visit USAA’s eligibility page to confirm that you qualify for membership.
2. Gather Required Documents
You’ll need:
- Valid government-issued ID (driver’s license or passport)
- Social Security Number (SSN)
- Proof of military affiliation (if applicable)
- Personal information: address, contact info, employment details
3. Create a USAA Membership
Before opening a bank account, you must become a USAA member. You can register online at USAA.com.
4. Choose Your Account Type
USAA offers:
- Classic Checking – No monthly service fees
- Youth Spending – For teens aged 13–17
- Savings Accounts – Competitive interest, automatic transfers
5. Complete the Online Application
Once you’re a member, log in to your account, select your account type, and fill out the form. You’ll set up your username, password, and fund the account with an initial deposit (as low as $25 for checking).
6. Verify and Activate
Submit required documents, verify your identity, and wait for your debit card and account details via mail or email.
Why Bank with USAA?
- No monthly maintenance fees
- Free nationwide ATM access (up to 10 refunds per month)
- Mobile banking with check deposit
- Military-specific benefits
- Excellent customer service
Can Non-Military People Open a USAA Account?
Only military members and eligible family members can join USAA. If you’re not eligible, consider alternatives like Navy Federal Credit Union, which has broader military-related eligibility.
Final Thoughts
Understanding how to open a bank account with USAA is essential if you or your family have military ties. It’s a straightforward process that grants access to trusted, military-focused financial tools. From zero monthly fees to digital banking, USAA remains one of the top choices for service members and their families.
