USAA Promotions: Best Offers for 2025
Written by
Cynthia Bowman
Edited by
Melanie Grafil
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If you qualify for USAA membership, you can take advantage of exclusive products and services with lucrative discounts. You may also qualify for USAA’s new account bonuses.
Current USAA Promotions
USAA isn’t offering any current promotions or new account bonuses. However, it’s always a good idea to check their official website for updates, as well as revisit this article for the latest information.
Expired USAA Promotions
These USAA promotions have expired, but you can still take a look at what was being offered previously, in case similar promotions become available in the future.
| Account | Bonus | Expiration Date |
|---|---|---|
| USAA Classic Checking Account | $250 | Sept. 3, 2025 |
| USAA Performance First Savings | $200 | Sept. 3, 2025 |
USAA Checking Account Bonus
- Bonus value: $250
- Minimum spend to qualify: Initial deposit of $25
- Expiration date: Sept. 3, 2025
- How to get it: You can get this bonus by applying for and getting approved for a USAA Classic Checking Account, funding it with at least $25, and setting up a qualifying direct deposit of at least $100 within 90 days of opening the account.
- When you’ll get it: Within 60 days of your first qualifying direct deposit
- Terms and conditions: Must be an ACH deposit
Check out the $250 Checking Account Bonus with USAA.
USAA Performance Savings Account Bonus
- Bonus value: $200
- Minimum spend to qualify: Initial deposit of $1,000
- Expiration date: Sept. 3, 2025
- How to get it: You can get this bonus by applying for and getting approved for a new USAA Performance First Savings account, making deposits of at least $15,000 within the first 30 days and keeping a balance of at least $15,000 for 90 days after that initial period.
- When you’ll get it: Within 60 days of meeting the qualifications
Here are more details on the $200 Performance First Savings Account Bonus.
How To Open a USAA Bank Account
Before you can open a USAA Bank account, you have to become a member. Active duty, honorably discharged and retired members of the military, including National Guard and Reserves, are eligible. Widows, widowers, spouses and children of military personnel are eligible family members.
When applying for membership, you have to provide the following information:
- Name and date of birth
- Contact information
- Social Security number
- Military service details for you or your family member
- Passport or permanent resident card for non-U.S. citizens
USAA will recommend products for you and guide you through opening accounts after you’re approved as a member.
Comparing USAA Offers to Competitor Promotions
USAA’s new account bonuses are fairly standard, as far as new account bonuses go across the banking industry.
Here are some other banks featuring new account bonuses:
| Bank and Account | Bonus Amount | Requirements | Expiration Date |
|---|---|---|---|
| USAA Classic Checking |
$250 | Open your account and receive a qualifying ACH direct deposit of $100 or more within 90 days. | Sept. 3, 2025 |
| Citi® Checking Account |
$325 | Open the account online and make at least two enhanced direct deposits within 90 days totaling $3,000 or more. | Oct. 6, 2025 |
| Chase Bank Chase Total Checking |
$300 | Open an account and receive direct deposits totaling $500 or more within 90 days. | Oct. 15, 2025 |
| Wells Fargo Everyday Checking |
$325 | Open the account with a promo code and receive direct deposits totaling at least $1,000, within 90 days of account opening. | Oct. 15, 2025 |
While some banks offer higher bonuses, the requirements to receive this bonus money may also be more extensive. It’s best to read up on the other banks and their promotions to see which one best suits your needs.
For the long term, you’re probably better off going with a bank that aligns with your overall financial needs, rather than just the one with the biggest promotion.
Tips for Maximizing USAA Promotions
When trying to get a USAA promotion or bonus, keep these tips in mind:
- Read and follow the requirements carefully to ensure you actually receive the bonus.
- Don’t overdraw your checking account, should you open one, as overdraft fees can eat away at your bonus money.
It’s also best that you like what USAA has to offer, aside from just the bonuses, as you’ll be keeping your money in the bank for some time to qualify for the bonus. Particularly with the savings account offering, as you need to deposit at least $15,000.
Are USAA Promotions Right for You?
USAA Bank offers a variety of financial products, banking services and members-only discounts that can add up to significant savings.
Check back each month for updates and new promotions as they are available.
USAA Promotions: FAQ
Before you open an account for the bonus, here are answers to common questions about USAA’s offers.- How long does it take to receive a new account bonus?
- The USAA bonuses are both paid within 60 days of meeting the qualifications.
- Can existing customers qualify for these promotions?
- No. These are for new customers only.
- What happens if I close my USAA account early?
- You won't receive the bonus.
- Are there any taxes on bank bonuses?
- Bank bonus money is taxed like interest. If you earn $10 or more in interest or bonus money in a given year, your bank will provide you with a 1099-INT form for your taxes.
More About USAA Bank
- USAA Bank Review
- USAA Bank Routing Number
- USAA Savings Account Interest Rates
- USAA CD Rates
- USAA ATM Fees
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Data is accurate as of Sept. 4, 2025, and is subject to change.
