USAA Fees
MilitaryComplete fee breakdown for USAA and how it compares to zero-fee alternatives.
Fee Breakdown
Common Fees
Monthly Maintenance:
$0/month
Overdraft Fee:
$29
ATM Fee (out-of-network):
$0
Wire Transfer:
$25
Minimum Balance:
$0
Annual Cost Calculator
Monthly fees (×12): $0
Overdrafts (2×/year): $58
ATM fees (1×/month): $0
Annual Total:
$58
With Holdings: $0
Pros & Cons
Pros
- ✓ Military benefits
- ✓ No monthly fees
- ✓ Excellent customer service
Cons
- ✗ Military members only
- ✗ Limited branches
- ✗ Membership restrictions
Key Features
Military-focused
No monthly fees
60,000+ free ATMs
Business Banking
- • Business checking
- • Business loans
- • Military business services
Compare with Holdings
| Feature | USAA | Holdings |
|---|---|---|
| Monthly Fee | $0 | $0 |
| Overdraft Fee | $29 | $0 |
| ATM Fee | $0 | $0 |
| Wire Transfer Fee | $25 | $0 |
| Minimum Balance | $0 | $0 |
| APY | 0.01% | 1.75% |
| Business Tools | Basic | Full Suite |
| Annual Cost | $58 | $0 |
Ready to Eliminate Banking Fees?
Save $58 per year by switching to Holdings. Zero fees, 1.75% APY, and built-in business tools.