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USAA Bank does not charge a fee for the first 10 ATM withdrawals. Subsequent withdrawals will be charged $2 each except when made at any USAA Bank-owned ATM. USAA Bank also refunds up to $15 in other banks' ATM usage fees for transactions at ATMs in the United States.
Get free use of 60,000 USAA-preferred ATMs nationwide.
No Checking Accounts Available from USAA Bank
If you are an authorized representative of USAA Bank, please contact us to have your products included.
Horrible experience like so many others. Stolen phone and wallet. Tranactions out of state at multiple Walmarts at 3am. No flagging my account and withdrawals of nearly $6000. USAA wont reimburse. YOUR MONEY IS NOT SAFE WITH USAA.
i don't usually buy into this idea it really feels so real ,i have a lot of unwanted collections , mortgages ,charged off accounts and unwanted collections on my credit reports causing me a lot of heartbreaks. i have been deprived of many benefits ,it makes my score go down to 420 .i don't know what to do until i came across dejatech007 AT GMAIL . COM,he helped me fixed my credit score perfectly and increase my score to 850s excellently .he is the best credit fixer ever .i'm using this medium to tell everyone with same issues as mine not to miss the good opportunity .am sure when he works for you you will also share the testimony if you appreciate his wonderful works…read more
We had fradulent activity. They called and froze card. There were like 10 items. 2 big ones. They took care of all but the big ones and said they were good. They were not. It was to a prison money transfer company! Now we're are seriously fighting to get our $500+ back.
Also, when initially contacting them about the activity we had 4 different people tell us 4 different things. Everytime we went to the next person we would get a 'i have no idea why they would tell you that but...'.…read more
Do not bank with USAA there customer service sucks. They lie, they tell you anything to get you off the phone. Hertz charged my card unauthorized and the are telling me I need to provide them with a receipt. I asked to speak to someone in Corporate and the refused to give me the number. Well I got it and the CEO is Stuart Parker the number is 210-498-6071. So if you are having problems with them call corporate. And file a complaint, I bet you will get some results. So I hope this helps anyone dealing with this nasty bank. So much for our Vet.…read more
DO NOT BANK HERE . Absolutely the worst bank ever who the fuck actually hold someone’s funds for almost 2 weeks and then on the day they are supposed to release the funds they do not release it until 10 AM completely dissatisfied
I have been a member with USAA for 10 years. I have moved hundreds of thousands of dollars through their bank. I have paid tens of thousands for their services. This bank is almost entirely digital with no physical locations. There are only 5 USAA ATM in San Diego to service clients needs for cash depositing. I have had to call them 6 times this year for the only ATM within 25 miles of my home being out of service. This latest issue is my final transaction with them. On 11/19/2018 at 7:08 I tried to deposit $500 into the ATM (#088) and it had a malfunction. After freaking out in error for 3 minutes the machine locked up but spit back out $400 of my $500 deposited. It ate $100 and spit out a receipt that said "We encountered a problem returning your cash. Please contact your financial institution." I immediately called customer service. I was on the phone for more than 30 minutes and the representative finally said he had submitted the claim and I would be contacted in less than 2 hours to be updated on the $100 credit due. Sure enough no call back all day. I called back today 11/20 and after 20 minutes on the phone the representative said she found "no record of my call yesterday. She would file the claim and I would be contacted within 24-72 business hours with a decision on my claim". So I immediately asked to elevate to another level and the next person gave me the run around too and ended up with the same response only added to the 24-72 hour disclaimer saying, "there would be a decision that could result in permanent, temporary, or no credit given". So after two calls and more than an hour on the phone this is how I am treated. What a terrible institution. It has gone downhill fast in 10 years. They have plenty of money to spend on commercials during NFL games, but not to take care of their veteran service members or to maintain and update equipment.…read more
My experience with USAA involves showing numerous homes to a buyer, then having him go to the USAA bank for his pre approval. USAA then "ASSIGNED" an agent to him. He then put in his offer with this agent he'd never met, who was not from the area, and didn't know it. This agent paid USAA 40% for the priviledge of stealing my client. From that USAA gave my client a kickback of $900. That's right, USAA made 5x more money from the agent than they gave the buyer. And I got paid nothing. In addition, they charged this vet points on his loan. He would have saved MORE MONEY going to a different back, but "HEY SOLDIER BOY!!! REBATE!!!!" Way to go, USAA?…read more
I’ve been with USAA since 2012, and am still receiving the prompt and excellent customer service I was introduced to in the beginning. USAA is my primary bank, and will continue to be. Unlike other banks I’ve had in the past, when I deposit a check, the funds are available immediately, and my balances are updated in real-time! I could go on and on about USAA, but just know that when you open your accounts with them, you and your money are in capable hands!…read more
Opened a dispute because I was double charged at a bar. USAA closed the ticket wihtout reaching out to me. When I called to get an explanation I was transfered SIX TIMES before I made someone talk to me. Incompetent employees who don't know what their job is. In the end they denied my dispute because I didn't keep the paper receipt.
I’ve been a USAA member for 22 years and had generally been happy with USAA. However, USAA has recently exhibited mind-boggling incompetence which resulted in all my accounts being closed due to USAA’s error.
One day last year, without warning or explanation, I got a letter in the mail from USAA saying that it was closing all of my accounts in 30 days. Figuring this must be a mistake, I called USAA customer service to ask what was going on. I was told that USAA had decided to stop doing business with me, that the decision is final, and that no reason would be given to me. This meant that my children’s college accounts would be closed, my wife’s and my retirement accounts would be closed, and our checking account and credit card would be closed. I pleaded to customer service supervisors for an explanation, knowing this must be a mistake, but they said they did not have access to the reason for the decision.
True to their word, USAA closed all my accounts 30 days later. They even charged me a $20 account termination fee for closing one of the accounts. Most of my cost, though, was the hours I had to spend to move all my accounts and business to new banks and to file paperwork to avoid taxes on the closed education savings accounts.
I thought long and hard about what could have prompted USAA to want to close my accounts. Then I remembered that about 6 months earlier, I had received a suspicious voicemail from someone claiming to be from USAA wanting to talk to me about activity in my checking account and asking me to call him at an unlisted number. Recognizing this as a possible phishing scam, I had instead called USAA’s main customer service number, told them about the voicemail and the name the caller gave, told them that I’m happy to answer any questions they have, and asked them what I should do. They had said that they had no record of anyone from USAA trying to call me, that it was probably a phishing attempt, and that I should ignore it and forward a transcript of the voicemail to [email protected] . I did exactly that (and received no response). Now that USAA decided to shut down all my accounts, I began to wonder whether that voicemail actually *was* from USAA and my lack of a return call to the given unlisted number was why USAA was unhappy with me.
I wrote to USAA customer service asking whether that voicemail from 6 months ago was in fact from USAA and whether that was related to them closing my accounts. In the letter, I said that if the caller wanting to ask about my account was indeed from USAA, I remain willing to answer any questions they had, since I’ve done nothing wrong and have nothing to hide. USAA did not respond to my letter.
Despite all my financial accounts with USAA being closed, I still had car insurance with USAA. When I logged in to USAA’s website a month later to get my latest insurance statement, I found that my online access had been suspended. I called USAA customer service and asked for my account to be unlocked so that I could access my insurance statement. The USAA representative kindly unlocked my account and then, without me asking him to, read me the notes in USAA’s file about me. The notes apparently said that USAA had received a letter from me asking why my account was closed, that letter had been forwarded to the office of the CEO, that they had investigated and found that the voicemail I had received 6 months earlier *was*, in fact, from USAA, and that no response should be given to me. The USAA customer service representative said that he had never seen anything like this in his many years working at USAA. He said USAA would only drop a customer if the customer committed a grave violation and that there would typically be warnings given. He reviewed my account himself and said he saw no record of any warnings nor any suspicious activity. He agreed that my not returning the voicemail probably contributed to USAA’s decision, though he didn’t know the reason. He agreed that I had done the prudent thing by contacting USAA customer service when receiving a call asking me to call back at a non-USAA number. He recommended that I write to the office of the CEO and explain everything.
So, as suggested, I wrote to the CEO of USAA and explained how I have only ever acted in good faith to protect USAA, that I have not done anything against USAA’s interests to my knowledge, that USAA seems to have erred in telling me that they had not contacted me when they had, that USAA’s error seems to have led to USAA’s decision to close my accounts, that their account closing fee is unfair since I didn’t *choose* to close the account, and that it was poor customer service for them to not respond to my earlier letter despite the fact that they realized they had erred when they researched the matter. To this, I got a curt response saying that they had a right to stop doing business with me, that they exercised that right, and that they will not be writing to me further on this topic.
I wonder what I did to get this treatment from USAA. One one hand, whatever it was must have been very minor, since they only bothered to leave me a voicemail asking about it (no email or letter) and they let me go on using my account for most of a year after that. On the other hand, whatever it was must have been so severe as to justify shutting down all of my family’s accounts without explanation and to get no reconsideration when the matter was escalated to USAA’s CEO.
Since then, 9 months have passed. I recently got a personal credit card invitation from USAA offering a $200 introductory bonus. I thought to myself that USAA must have finally come to its senses and removed me from its blacklist. I applied for the card and was accepted by USAA. However, several days after using the card for the first time (to buy baseball tickets for my family), my account was shut down without notice. No bonus was paid to me. I received a letter in the mail saying that my account was shut down “for unacceptable behavior or activity”. I called USAA to ask what the unacceptable behavior or activity was. The USAA representative, after putting me on a long hold, told me that my account was closed for the same reason why my accounts were closed last year. I explained that I’d never gotten a reason last year and this was the first I’d heard of “unacceptable behavior or activity”. I asked if he could share details. He replied that he had no further information for me.
Since opening that credit account, I’ve received three more credit card offers from USAA. I won’t bother trying to accept them.
It’s sad that a once great company like USAA has such a bad case of organizational schizophrenia and poor customer service. USAA has repeatedly demonstrated that its left hand has no idea what its right hand is doing. It punishes its good, long-term customers for being conscientious and avoiding phishing scams and it is unwilling to acknowledge when it is wrong.…read more
I am not happy with their policies my first payroll check I performed by mobile deposit they held 1/2 if he check witch is a HUGE inconvenience when you are just going back to work and need your funds. I don’t recommend them!
Wells Fargo will charge you an out-of-network ATM fee of $2.50. Unfortunately, the ATM operator fee for USAA is not made available on the bank’s website. Please call customer service at 800-531-8722 for more details. Typically banks will charge an ATM operator fee between $1.50 to $3.50.
No, there is no limitation regarding the amount you can deposit. But please note, that if you deposit checks larger than $5,000 longer holds may apply. Please find the account fee schedule here: http://bit.ly/1RAdl9w. Limitations will apply when withdrawing funds from an ATM or when purchasing using your debit card. The ATM withdrawal limit is $600 per day and the purchasing limit is $3,000. No, you won’t need to use your credit card to gain additional interest. The interest rate is 0.01% for a daily balance of $1,000 or more.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.