{"account":{"slug":"usaa-classic-checking","bank":"USAA","name":"Classic Checking"},"status":"recent","lastVerified":"2026-10-23","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"},{"date":"2026-10-23","apy":"Variable interest on days with a daily ledger balance of $1,000 or more; current numeric APY not verified","monthlyFee":"$0 monthly service fee and no low-balance fee; optional-service and overdraft charges can apply","minimumOpen":"$25; eligible newly enlisted members can call USAA to open with $0","atm":"100,000+ preferred ATMs nationwide. USAA charges no ATM service fee and refunds up to $10 of properly identified non-USAA surcharge or usage fees per monthly statement cycle. Foreign-transaction fees can still apply; not every withdrawal ATM accepts deposits.","note":"Reverified fees, $25 opening versus $1,000 interest threshold, member eligibility, non-guaranteed early pay, ATM reimbursement and 1% foreign fees. Expanded $29 Safety Net and refund-window conditions. Current numeric APY still not exposed; no old rate promoted as current.","sourceUrl":"https://www.usaa.com/banking/checking/","sourceLabel":"USAA Classic Checking and currently linked account disclosures"}],"verificationEvents":[{"id":"a246ca8b-4e40-4611-8c28-73395b29efea","entityType":"bank-account","slug":"usaa-classic-checking","checkedAt":"2026-10-23T15:12:08.703Z","recordedAt":"2026-10-23T15:12:08.703Z","sourceUrl":"https://www.usaa.com/banking/checking/","sourceLabel":"USAA current checking product and linked account disclosures","outcome":"changed","summary":"Reverified opening and interest thresholds, membership eligibility, ATM/foreign fees, non-guaranteed early pay, $29 overdraft limits and refund-window conditions. Added sourced comparison with Capital One 360 and related-review navigation. Numeric APY remains unverified; historical rates retained only as history.","changedFields":["tagline","apy","monthlyFee","minimumOpen","fdic","features","atm","pros","cons","ourTake","bestFor","termHistory","lastVerified","relatedAccountSlugs","sections","editorialReview"],"facts":{"monthlyServiceFee":0,"standardOpeningDeposit":25,"dailyInterestBalanceThreshold":1000,"numericApyVerified":false,"atmRebatePerStatement":10,"foreignTransactionFeePercent":1,"overdraftFee":29,"overdraftBalanceThreshold":100,"overdraftFeesMaxPerDay":1},"previousHash":"7ce44b226c32c75a7fa24d474a3b0bcd9a675beb86e29a47df2ae997e01738cd","recordHash":"fd4f7f936f10b7835b7c52802afd93cb554daa03d0ec1c77a1eea9ea46be2399"},{"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"}