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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts

Question

How do I check the points for cash rewards

I can't find out where to see how much cash rewards I've earned so far. Any ideas?
Asked 4 years, 5 months ago
by ddoggphx
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
Hey, just click on the account that the Rewards Program is linked to. Then scroll down about mid-way the page and click on "View and Redeem your USAA Rewards Points.
This is how it works for the Total Rewards Program, so I'd assume its the same for the Cash Rewards Program.
answered 4 years, 4 months ago
by Bigsarge06
Augusta, GA
0points
0out of 0found this answer helpful.
answer 2
The way I get to the point site is by viewing one of my accounts that is tied to the point system (i.e. Amex Card, Checking, etc). Once I can see the account information, I click on the "View More Services" Drop down box on the right side of the page and select "View or Redeem My USAA Total Reward Points".

Hope this helps.
answered 4 years, 5 months ago
by Coopscivic
Alexandria, VA
0points
0out of 0found this answer helpful.
answer 3
You have to set it up, I found that out after using my card as a credit and couldn't find my points. It doesn't count unless you activate it. Make sure all purchases are credit (that is how you get the points). It still comes out as a debit and immediately. There should be a feature on the right hand side there should be an option that says USAA Total Rewards Program or
Debit Rewards. If not you probably haven't set it up. Go to the search and search those words and you should find the instructions. After you have it set up go into your checking account and click on "View More Services" and you should see a section that says "Rewards" click that and it will take you there and you can see your points per month and total points.
answered 4 years, 5 months ago
by Melissa84
Jackson,MS
+1point
1out of 1found this answer helpful.
Question

what is the overdraft fee with usaa checking without an overdraft credit feature

if we don't have the credit to be elegible for an overdraft credit account
Asked 4 years, 5 months ago
by gionjim
hagerstown, md
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
I believe the overdraft fee is 29.00. I think its about the same as most other banks.
answered 4 years, 4 months ago
by cru5
where the Army sends us,USA
+1point
1out of 1found this answer helpful.
answer 2
This should help you. I found this by performing a search for "overdraft" and selected "Overdraft Protection FAQs"

How does overdraft protection work?
If the balance in the account that is protected falls below the minimum balance, usually less than zero, a transfer is made once per day for the monies needed from the designated protecting account. If your account is protected by a checking or savings account, a transfer is made for the exact amount needed to cover the item(s). If the designated protecting account is a credit card, coverage is made in $100 increments.
 

What types of accounts qualify to have overdraft protection?
USAA checking or savings accounts.
 

What types of accounts can be added as the overdraft protection account?
A USAA checking or savings account or any MasterCard can be used as the overdraft protection account. Debit cards are not eligible overdraft accounts.
 

What is overdraft protection?
Overdraft protection keeps an account from being overdrawn or falling below its minimum balance by transferring funds to cover the deficiency from a designated overdraft protection account.
 

How do you sign up for overdraft protection?
Select your USAA checking or savings account and click on the "Free Overdraft Protection" link in the Account Services menu on the right of the page.
 

Is there a charge for overdraft protection?
USAA does not charge for overdraft protection as long as funds are available to cover the overdrawn item(s) in full.
answered 4 years, 5 months ago
by Coopscivic
Alexandria, VA
+1point
1out of 1found this answer helpful.
answer 3
An overdraft account is another checking or savings account you can keep money in as your overdraft account so that if your primary account (account you pay bills from and use all the time)does not have enough money to cover a check or bill, the money will be withdrawn from your overdraft account without incurring a fee. Nowadays, banks charge between $20 - $35 overdraft fee for each bounced check. You don't have to have a good credit to have the overdraft account set up, all you need is another checking accont with USAA to keep money in so it will cover any checks that would otherwise bounce. If you already have a non fee account with USAA, you can open another one with them and keep some money in it to cover bills and purchases that would otherwise bounce.
answered 4 years, 5 months ago
by Soldier Girl
Fort Knox, KY
0points
0out of 0found this answer helpful.
Question

Cash Rewards Debit Card

My husband and i just got our Debit cards, and Im just curious as to which is better, the total rewards or the cash back?? I like getting cash, but im wondering if its faster to gain points for rewards, or if the cash at the end of the month is worth it?? And do I have to choose credit at the end of a transaction in order to get the points or cash??
Asked 4 years, 5 months ago
by KittySmitty
Fort Irwin, Ca
0points
0out of 0found this question helpful.
8 answers
Answers
answer 1
I get the Rewards. I had forgotten all about it and a few weeks ago my friend reminded me about it. What a joy to find I could take care of much of my Christmas shopping by simply using my Rewards points!
answered 4 years, 4 months ago
by YNCS Fran
Slidell, LA
+1point
2out of 3found this answer helpful.
answer 2
Keep this in mind:

Most of these features require you to use the card like a credit card and not like a debit - Meaning you would need to run it as a credit transaction each time to gain points and cash back. I may be corrected on this but, most of us run as debit for speed (Wal-Mart checkout) so this would gain little to no points or cash back.
answered 4 years, 4 months ago
by CoolARMAN
Fayetteville, AR
0points
0out of 0found this answer helpful.
answer 3
Even though they have increased the number of points required to redeem rewards, I'd have to say Total Rewards is better. We've been enrolled in Total Rewards for the past few years and have used it multiple times already. Just make sure you choose Credit as your method of payment (at least on purchases of about $20 or more).
We've purchased plane tickets three times now thru the program. But if you like cash, there's a cash reward available also at 20,000 points.
Because we spend a lot of money every month, we get plenty of points. We average 1,000 pts per month easily.
answered 4 years, 4 months ago
by Bigsarge06
Augusta, GA
0points
0out of 0found this answer helpful.
answer 4
go for the cash!!!
answered 4 years, 4 months ago
by you are the best
Costa Mesa, CA
0points
0out of 0found this answer helpful.
answer 5
I like getting the cash back because I can payoff the credit card balances immediately with it. I use my platinum credit card because it earns more points than using the debit card. You should be aware though that by using platinum cc you can pay it off within the month to avoid interest fees.
answered 4 years, 5 months ago
by MrPatriot2000
El Paso, TX
+1point
1out of 1found this answer helpful.
answer 6
In order for you to gain points by using your Debit card when making a purchase, you have to tell the cashier that you want to use Credit. If you process the transaction as a debit, you will not gain points. I decided to go with the USAA Total Reward Program. The advantage to this is if you do not really want the cash, you can use your points to purchase gift cards, electronics, movie tickets, or even transfer some of your points to another USAA Member. If your main content is to get cash back, i would stick with the Cash Back option. In the end, you are still going to get the same amount of money back. With total rewards, you have to request the cash whereas with cash back, you will receive the cash back whenever you reach the number of points required.
answered 4 years, 5 months ago
by Coopscivic
Alexandria, VA
+1point
1out of 1found this answer helpful.
answer 7
Both Debit Card options are hard to rack up money/points. I like the cash option over the points myself. Seems much easier to automatically get cash than to hassle with banking points. In the end, both are marketing ploys and go with what your comfortable with.
Top Contributor
Top Contributor
answered 4 years, 5 months ago
by 10plusyearer
+2points
2out of 2found this answer helpful.
answer 8
You can accumulate your rewards and cash them when you most need them instead of having to use the little bit you earn each time. You tend to enjoy them more when you have a lot to use.
answered 4 years, 5 months ago
by Soldier Girl
Fort Knox, KY
+2points
2out of 2found this answer helpful.
Question

When opening an account, how much has to be deposited?

Asked 4 years, 4 months ago
by mjwright04
Crestview, FL
0points
0out of 0found this question helpful.
16 answers
Answers
answer 1
For both checking and savings accounts you need at least $25 to open an account.
answered 4 years, 4 months ago
by msasanford
Euclid, OH
+2points
2out of 2found this answer helpful.
answer 2
I believe it is $25 or $50 but just call and they will tell you.
answered 4 years, 4 months ago
by NikoAlatis
Fort Benning GA
0points
0out of 0found this answer helpful.
answer 3
The amount to be deposited is $25
answered 4 years, 4 months ago
by livelife
0points
0out of 0found this answer helpful.
answer 4
only $25 which isn't bad.. i love this bank so far i have not had any problems, the customer service is wonderful.
answered 4 years, 4 months ago
by chara
hartford CT
0points
0out of 0found this answer helpful.
answer 5
I believe the minimum is 25.00 saving/checking...
answered 4 years, 4 months ago
by Derek Adair
san antonio,tx
0points
0out of 0found this answer helpful.
answer 6
25 dollars
answered 4 years, 4 months ago
by Best bank
Severn MD
0points
0out of 0found this answer helpful.
answer 7
You have to deposit a minimum of $25 to open the free checking account, but you do not have to keep a minimum balance with the free checking account.
answered 4 years, 4 months ago
by Sandra S
fort drum, ny
0points
0out of 0found this answer helpful.
answer 8
$25 for checking or $50 for both checking and savings
answered 4 years, 4 months ago
by JDK1
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 9
i belive its 25
answered 4 years, 4 months ago
by bob kvkl
0points
0out of 0found this answer helpful.
answer 10
it usually ranges from 25-100 bucks
answered 4 years, 4 months ago
by MIGUY
Tampa, FL
0points
0out of 0found this answer helpful.
answer 11
$25 for checking and $25 for savings for a total of $50
answered 4 years, 4 months ago
by banking with USAA
0points
0out of 0found this answer helpful.
answer 12
To the best of what I reminder I do believe it is $25.00
answered 4 years, 4 months ago
by bhealthy2u
SACRAMENTO, CA.
0points
0out of 0found this answer helpful.
answer 13
Checking —$25 minimum opening deposit
Savings —$25 minimum opening deposit
Checking & Savings—$50 minimum opening deposit
Performance First™ Savings —$10,000 minimum opening deposit
Certificate of Deposit —$250 minimum opening deposit
Teen Checking —$25 minimum opening deposit
Teen Checking & Savings—$50 minimum opening deposit
Youth Savings —$25 minimum opening deposit
answered 4 years, 4 months ago
by Lotus
Edinburg, Texas
0points
0out of 0found this answer helpful.
answer 14
$25
answered 4 years, 4 months ago
by HS1949
Hershey, PA
0points
0out of 0found this answer helpful.
answer 15
The minimum amount to open an account is $25.
Top Contributor
Top Contributor
answered 4 years, 4 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
answer 16
with USAA its a $25 minimum to open and account, unless that has changed
answered 4 years, 4 months ago
by newbyLT
Snellville, GA
0points
0out of 0found this answer helpful.
Question

reset pin online

i am having trouble resetting my pin for debit card, anyone know how???/
Asked 4 years, 4 months ago
by chineman
iraq
0points
0out of 0found this question helpful.
4 answers
Answers
answer 1
There is a More Services drop down menu on the right side when you are looking at your checking account details online. One of the options is change pin.
answered 4 years, 4 months ago
by JAD311
0points
0out of 0found this answer helpful.
answer 2
When you go into the acount, look on the right hand of the screen. Look for the tab that says more services. You then will see a link for changing your pin. If you ever have problems find something, chances are it is under the more services tab. i.e. ordering more checks, changing pins and so on.
answered 4 years, 4 months ago
by targetryan
shakopee, mn
0points
0out of 0found this answer helpful.
answer 3
its easier just to call the number on your usaa card and give them your id number. then select checking and someone will walk you through it on the computer over the phone. takes all of 5 minutes if that
answered 4 years, 4 months ago
by tise
ROME, GA
0points
0out of 0found this answer helpful.
answer 4
You need to call the number on the back of your card to reset your Debit card number.
answered 4 years, 4 months ago
by NancyC
0points
0out of 0found this answer helpful.
Question

Why would USAA cancell my checking account without any notice at all?

I lost my job and my account was 190 dollars over drawn. I deposited $150 into the account and the next day the account was closed.
Asked 4 years, 4 months ago
by Longhorns17
0points
0out of 0found this question helpful.
5 answers
Answers
answer 1
Well my guess would be, because your account was still overdrawn after the $150 deposit. By closing the account they actually did you a favor since there are usually daily charges accessed for each day the account is showing overdrawned.
answered 4 years, 3 months ago
by T Wells
0points
0out of 0found this answer helpful.
answer 2
With any banks, if a checking account falls below zero dollars, the bank has the option to close the account. If you talked to bank's represntative, then I can understand your situation, but if you just did the deposit and expect the account to be open and wait till you get a job, then my friend, it is better that the account was closed. It would have costed you more money to get that account going. Just thought I'd share this with you.
answered 4 years, 3 months ago
by 2senses
Guam
0points
0out of 0found this answer helpful.
answer 3
Have you tried calling customer service? It could have been a mistake, and at the very least they can tell you why it happened.

1-800-531-2265
answered 4 years, 3 months ago
by hwkns
Cambridge, MA
0points
0out of 0found this answer helpful.
answer 4
You need to call USAA to resolve this issue. Depending on how long the account was overdrawn might have been the reason.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 5
Well USAA does send a Notice when an account is overdrawn to notify the member of the account status to the address on file. If the address is not current that may be why you did not receive the notice. USAA will close an overdrawn account after it has roughly been overdrawn for 45 days.
Top Contributor
Top Contributor
answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
Question

does the checking account require a minimum balance?

Asked 4 years, 4 months ago
by lolockie
0points
0out of 0found this question helpful.
26 answers
Answers
answer 1
no
answered 4 years, 4 months ago
by desertvetmike
ohio
+2points
2out of 2found this answer helpful.
answer 2
No minimum balance.
answered 4 years, 4 months ago
by Bherrmann
Florida
0points
0out of 0found this answer helpful.
answer 3
$25 minimum required for the initial deposit when opening the account. No monthly minimum or fees.

$1000 is required to earn interest, but you might as well get a brokerage account and park it in the money market fund at a higher rate.
answered 4 years, 4 months ago
by khorn
Columbia, MO
0points
0out of 0found this answer helpful.
answer 4
You are not required to keep a minimum balance in your checking account. Just make sure you keep something in there to prevent it from closing.
answered 4 years, 4 months ago
by Anonymous
TX
0points
0out of 0found this answer helpful.
answer 5
NO
answered 4 years, 4 months ago
by Adam Sugg
colorado spring
0points
0out of 0found this answer helpful.
answer 6
No
answered 4 years, 4 months ago
by noamaye
New York, NY
0points
0out of 0found this answer helpful.
answer 7
nope the checking account does not require a minimum balance
answered 4 years, 4 months ago
by JLaF
Robins AFB
0points
0out of 0found this answer helpful.
answer 8
There is NO minimum requirement for the checking account. One of the great features of USAA
answered 4 years, 4 months ago
by Krazytaz312
Norfolk, VA
0points
0out of 0found this answer helpful.
answer 9
No. The "Free" checking account does not require a set minimum balance.
Top Contributor
Top Contributor
answered 4 years, 4 months ago
by Rutin
Kissimmee, FL
0points
0out of 0found this answer helpful.
answer 10
No.
answered 4 years, 4 months ago
by energizer bunny
Georgia
0points
0out of 0found this answer helpful.
answer 11
I have frequently had one of my checking accounts at a very low/zero balance for a couple of weeks at a time.. and I've never been told the account was closing or that I had to have a minimum balance. From my experience, no... no minimum balance is required to keep the account open. There is a minimum deposit to open one, but not to keep it open after it is open.
answered 4 years, 4 months ago
by Terry82
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 12
I don't believe so, we have never been charged a fee, regardless of how high or low the account is
answered 4 years, 4 months ago
by Salli
Wichita Falls, TX
0points
0out of 0found this answer helpful.
answer 13
No minimum account balance is required.
answered 4 years, 4 months ago
by Seattle Mom
Seattle, WA
0points
0out of 0found this answer helpful.
answer 14
Our checking account does not have a minimum balance.
answered 4 years, 4 months ago
by AlaskaGirl
Seward, AK
0points
0out of 0found this answer helpful.
answer 15
No it Does not my advice is get usaa free checking you wont regret it...
answered 4 years, 4 months ago
by Danny B
Bronx, NY
0points
0out of 0found this answer helpful.
answer 16
Nope! I've had a couple of dollars and cents and have never been charged for or notified about any fees.
answered 4 years, 4 months ago
by Francs
Fort Bragg, NC.
0points
0out of 0found this answer helpful.
answer 17
No, There is no minimum to keep in your account. USAA will not charge you like other banks if you dont keep a minimum
answered 4 years, 4 months ago
by Gonzalez
Mississippi
0points
0out of 0found this answer helpful.
answer 18
No I doesn't require a minimum balance
answered 4 years, 4 months ago
by Pflz
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 19
I opened up my account with $25. At present I do not believe that there is a minimum amount requirement.
answered 4 years, 4 months ago
by USNCPO
Welches, Oregon
0points
0out of 0found this answer helpful.
answer 20
No minimums! We frequently have balances much lower than we'd care to admit :)
answered 4 years, 4 months ago
by Sub Hunter
Hollister, CA
0points
0out of 0found this answer helpful.
answer 21
Sure doesn't.
When you initially open the account they will require $25 to be deposited, and they place a hold on that for a few weeks, but after that they release it and you are not required to keep a minimum balance.
answered 4 years, 4 months ago
by Dominantly
San Diego, CA
+1point
1out of 1found this answer helpful.
answer 22
I don't believe I have a minimum requirement in the 10+ years I've been with USAA which is an even greater benefit considering that so many people are living paycheck to paycheck in this economy.
answered 4 years, 4 months ago
by MsChrisMac
Dulles, VA
0points
0out of 0found this answer helpful.
answer 23
Not that l know off
answered 4 years, 4 months ago
by Garlism
Bradford MA
0points
0out of 0found this answer helpful.
answer 24
I think if I remember, there is not a minimum balance; however, I always keep at least $1 in all of my accounts.
answered 4 years, 4 months ago
by sjoseph1988
Houston, TX
0points
0out of 0found this answer helpful.
answer 25
No minimum balance. AND they reimburse for ATM fees up to $15.00 dollars.
answered 4 years, 4 months ago
by Lynnezer
Essex Jct., VT
0points
0out of 0found this answer helpful.
answer 26
No they do not. Just a start up fee of
$25 to open. Free checks for life and no account fees.
answered 4 years, 4 months ago
by dc76522
Texas
0points
0out of 0found this answer helpful.
Question

When opening USAA free checking account, is there a way to transfer initial deposit without another account?

Asked 4 years, 4 months ago
by Tren
Oklahoma City, OK
0points
0out of 0found this question helpful.
6 answers
Answers
answer 1
Yes, you will just have to have the routing number and account number for the account the funds would be transfered from. This may need the assistance of a customer service representative by phone. But it can be done.
answered 4 years, 3 months ago
by T Wells
0points
0out of 0found this answer helpful.
answer 2
I think the only way to make a deposit w/out another acct. is to mail the deposit directly to USAA. If you have an established acct. with USAA, they will mail you free deposit envelopes- I do this all the time. Once you have the envelopes you would also be able to use an ATM. Hope this helped.
answered 4 years, 3 months ago
by FxFxr
Virginia Beach, VA
0points
0out of 0found this answer helpful.
answer 3
Call USAA to open the account. I did a wire transfer when I first came to USAA from my old credit union.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 4
I know that with established accounts, you can mail in a check for deposit, and if you have a credit account with USAA, you can scan and email/fax the check copy to them and they can credit your account that way. You would have to talk to a Customer Service Rep to see if this would word on a new account.
answered 4 years, 3 months ago
by tdsails
Pendergrass GA
0points
0out of 0found this answer helpful.
answer 5
Try calling customer service. They are very helpful and honest.
answered 4 years, 3 months ago
by AF2006TX
Alamogordo, NM
0points
0out of 0found this answer helpful.
answer 6
Not exactly sure what you mean by this question. But you can add another bank account from a different bank that you may have and transfer the money to that account from your USAA online banking. It will prob take about 3 business days to transfer though.
answered 4 years, 3 months ago
by DRKnight
Alabama
0points
0out of 0found this answer helpful.
Question

I TRIED TO OPEN AN ACCOUNT AND DIDNT GET PASS WHERE I NEEDED TO PAY THE $25 BECAUSE IT ASK ME TO SELECT AN ACCOUNT TRANSFER FROM THE DROP BUT IT DIDNT

HAVE ANY THING TO CHOOSE FROM WHAT DO I DO
Asked 4 years, 3 months ago
by STUCK4U
PENSACOLA FLORIDA
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Call USAA to resolve the issue. They can set it up over the phone.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 2
On Step 4 of the application click on USE another account (it's bolded) in order to add external bank information. If you do not have any USAA account there will be no accounts listed under the Transfer from drop down. Hope this helps in setting up the account.
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Top Contributor
answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
Question

do a check card come with a new account

Asked 4 years, 3 months ago
by lost girl
pensacola florida
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Yes, most accounts come with a debit card.
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Top Contributor
answered 4 years, 2 months ago
by dres
San Diego, CA
0points
0out of 0found this answer helpful.
answer 2
Yes you automatically will receive a Debit MasterCard 7-10 business days after you have established your checking account. If it is passed the 7-10 business days I would recommend calling USAA to check on the status. Hope this helps
Top Contributor
Top Contributor
answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.