Depository Agreement and Disclosures - USAA

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USAA Federal Savings Bank Service Fee Schedule Effective 03/01/14 Checking, Savings and CD account fee information to help keep your budget on track. Account Opening and Usage All USAA Checking and Savings Accounts pay interest. For current rate information, visit usaa.com or call 1-800-832-3724. MINIMUM DEPOSIT TO OPEN ACCOUNT USAA Secure Checking Plus. $50 USAA Performance First Savings. $10,000 All Other Account Types. $25 MONTHLY SERVICE FEE USAA Secure Checking Plus . $9.95 All Other Account Types. $0 USAA ATM/Debit Card Fees & Limits USAA ATM FEES All Withdrawals . $0 NON-USAA ATM FEES First 10 withdrawals per monthly statement cycle. $0 Each withdrawal after the first 10 per month . $2 USAA Federal Savings Bank (FSB) will automatically refund ATM surcharges incurred up to $15 per monthly account statement, except for the monthly statement cycle in which an account is closed. ALL ATM & DEBIT CARD Foreign Transaction Fee. 1% Of Transaction Amount Applies to debit card or ATM transactions with a merchant or ATM in a foreign country, whether the transaction is originally made in US dollars or converted from foreign currency.

• Page 2 and 3: ATM/DEBIT CARD TRANSACTION LIMITS (
• Page 4 and 5: Photocopy Fee (e.g. Check or deposi
• Page 6 and 7: Account Minimum Amount to Open Acco
• Page 8 and 9: Account USAA Youth Savings Minimum
• Page 10 and 11: Account Variable Rate CD Minimum Am
• Page 12 and 13: Table of Contents General Account T
• Page 14 and 15: Errors or Questions About Your Paym
• Page 16 and 17: Closing an Account FSB may close yo
• Page 18 and 19: The relationship between you and FS
• Page 20 and 21: Processing Transactions - Deposits
• Page 22 and 23: You understand that foreign instrum
• Page 24 and 25: FSB currently processes checks and
• Page 26 and 27: Transaction Limits for Savings Acco
• Page 28 and 29: Delivery of Statements and Notices
• Page 30 and 31: • U.S. Treasury checks that are p
• Page 32 and 33: Automated Teller Machine (ATM) Card
• Page 34 and 35: Tell FSB AT ONCE if your statement
• Page 36 and 37: Wire Transfer and Other Such Funds
• Page 38 and 39: • require signatures of all autho
• Page 40 and 41: You expressly agree that such right
• Page 42 and 43: Waiver and Severability FSB may del
• Page 44 and 45: Location of the Arbitration The arb
• Page 46 and 47: USAA Federal Savings Bank 10750 McD
• Page 48 and 49: Payment Authorization and Payment R
• Page 50 and 51: Notification — The Service will u
• Page 52 and 53: Service Fees and Additional Charges
• Page 54: proposal or prior agreement, oral o