{"account":{"slug":"usaa-classic-checking","bank":"USAA","name":"Classic Checking"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.usaa.com/banking/checking/","history":[{"date":"2026-06-11","apy":"0.01% on balances of $1,000+","monthlyFee":"$0","minimumOpen":"$25","atm":"100,000+ preferred ATMs plus up to $10 monthly reimbursement","note":"Legacy numeric-rate snapshot before source-visible rate handling"},{"date":"2026-09-04","apy":"Interest applies on daily ledger balances of $1,000+; current numeric APY was not exposed publicly","monthlyFee":"$0","minimumOpen":"$25; eligible new recruits may call to open with $0","atm":"100,000+ preferred ATMs plus up to $10 reimbursement per monthly statement cycle","note":"Withheld the unexposed numeric APY and reconfirmed fees, ATM access, early pay, opening deposit, and Safety Net overdraft terms","sourceUrl":"https://www.usaa.com/banking/checking/?akredirect=true","sourceLabel":"USAA checking account terms"}],"verificationEvents":[{"id":"1a7f5767-4f11-4809-b8d2-fefbf2daaefc","entityType":"bank-account","slug":"usaa-classic-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:49:42.033Z","sourceUrl":"https://www.usaa.com/banking/checking/?akredirect=true","sourceLabel":"USAA checking account terms","outcome":"changed","summary":"Withheld the public numeric APY because USAA did not expose it; reconfirmed the $25 opening deposit, ATM reimbursement, preferred network, and Safety Net cushion.","changedFields":["apy","features","cons","termHistory","lastVerified"],"facts":{"minimumOpen":25,"atmReimbursement":10,"preferredAtms":100000,"safetyNet":100},"previousHash":"78157359a87c9e6758ec6159ad35f156295634195c78348f732cd284c55817b7","recordHash":"c9a8fe9adbb2cdb161d40214d55e2cd909e0de2f86e1c052d13cc7329ea554e0"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}