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I have been a member of USAA for 20 years! They are AWESOME! The customer service is an A+ team! They always try to understand and deliver the best service they can. Recently I had two separate disputes which were investigated by their teams and funds were returned to my accounts. I have children that have accounts as well which makes transferring funds super simple instead of running to an ATM all the time! We suffered through a short era where they held funds on checks deposited due to our balances...we were living paycheck to paycheck and it made it difficult. USAA no longer holds the funds so banking has once again become a pleasant experience! Their online banking is top notch. I can do just about anything from the comfort of my home or wherever I am with my cell phone! I have no plans to leave USAA!…read more
I have been banking with USAA for years now, and I used to rave about excellent they were. I recommended them to family and friends, telling them, "Every time I hang up with USAA, I'm in a better mood than I was when I called, because they're THAT good at helping resolve issues." That level of customer service is gone now, and the bank has been slowly going downhill for the past couple of years. I would like to say that with the exception of one or two times, the customer service representatives are extremely friendly, but their banking/company policies and supervisors are no longer customer-friendly.
A few issues...
One: I called with an issue with my debit card. They helped me figure out what was going on, and I thought that was the end of it. However, a week or so later, a new debit card showed up at my mom's house (the address that was still on my account, as I was temporarily working out of town), and around the same time, a pin number was mailed separately, also to my mom's house. I called them, and asked why they sent a new card, and they couldn't tell me. They tried to do a little research, before just telling me, "We don't know. You should just destroy it if you don't want it." This is scary, and a HUGE security concern. A debit card was not ordered, yet one was sent without my authorization along with a pin number. Anyone could have taken the card and pin number, and once activated, my existing card would've stopped working and they would've had full access to my accounts. The customer service rep was unconcerned with the issue and treating me like I was over-reacting.
Two: I deposited a small cashier's check ($500) into my USAA checking account. This is not my primary checking account, but I do have automatic deposits that go in twice a month for at least 4x that amount, which I always withdraw immediately and take to my primary brick & mortar bank. I deposited the cashier's check via mobile, because that's the only way to do it, and was not told that the funds would be placed on a hold. I was out of town for work at the time and due to an issue with my primary bank, I needed those funds to be available immediately. As any person in banking should know, cashier's checks are VERIFIED funds and should be available instantly. I called IMMEDIATELY about the hold, they told me it's because my current balance was less than the amount of the check. I reminded them about the automatic deposits I have (one of which was due within the next few days) that would more than cover the cashier's check if it bounced (which would not happen, because those are verified funds). They said it didn't matter. I told them, please cancel the deposit, because I need this cash immediately, and I planned to take the cashier's check to the bank on which it was drawn so I could cash it and receive funds immediately, to sustain me until the issue with my primary bank was resolved. They said they can't cancel the deposit because it was already made through the mobile app, and there was no way to cancel it. This was within 5 minutes of making the deposit, and they're telling me there is NO way to cancel it.... that doesn't make sense to me. I asked them, "What if someone made a mistake and accidentally deposited the wrong check into the wrong account - you're telling me there is no way to undo that?" They confirmed, there is no way to do that. So don't make any mistakes, ever, because USAA will screw you over.
Three: The mobile app always gives me an error when I try to increase my debit card daily withdraw limit, something about needing to verify identity with a text code, which I never receive via text. I need to increase my limit at least once a month, because it defaults to $600, and I always have to withdraw the money from my auto-deposits to take it to my primary bank. So every month, when it's time for me to withdraw the money, I have to call them to change the limit. This, in itself, is frustrating enough, especially when I'm often on hold for 10-15 minutes just to change my limit and get access to MY money. Last week, I called them as usual to change my limit and was told that they can't do that, due to some issue with my auto-insurance policy payment. I haven't had auto insurance with USAA in over 3 years (because they screwed me over in regards to a claim, but that's a whole different complaint.) I asked what issue they were seeing, and they couldn't tell me. They told me I had to speak to the auto insurance department, so I was transferred to them. At this point, I've been on the phone for half an hour while sitting outside the ATM that I planned to use. I spoke to the insurance department, they assured me that there were no issues with the long-closed policy/account, and transferred me back to the banking dept. Banking again told me that they wouldn't change my limit. The guy checked with his supervisor/"specialist" and they were the ones who would not approve it, and told him no. I asked to speak with that person. He said, "No, you can't speak with him. He told me what to tell you and that's that." So basically, they're barring me access to my money, because their departments aren't properly communicating with each other. I told the rep, verbatim, "This is bulls***. That's my money, and I need to withdraw it NOW." He told me that I was being abusive, and hung up on me.
Which brings me to number four: As a workaround for these idiots not letting me increase my limit to withdraw my cash, I told them to transfer the entire balance of my account to my boyfriend's account, which is also with USAA. They confirmed the transfer went through. My boyfriend was in a different state at the time and quite unavailable due to work training, but I needed him to take the money out of his USAA account, mobile-deposit it in his account with our primary bank, then transfer it into my account with our primary bank. (Needless to say, at this point, I'm very angry and frustrated with this runaround process to get my money.) So this was on a Friday. He didn't get out of training until after banks were closed on Friday and was not able to put the money into our primary bank. On Saturday, I woke up, checked my USAA account, and ALL the money I had transferred the day before was back in my account. I called USAA to ask them WTF. The rep, who was quite friendly, said, "I'm really sorry, but it appears they didn't put the transfer through yesterday." She told me to check with my boyfriend to see if he had the money in his account. He was going to be unavailable all day due to training, but I tried to reach him anyway. After a couple hours of not being able to reach him, I called USAA back and explained the situation again, and told them that I needed the money to be in his account, but that I was concerned that if I moved it over again, the money would be taken from my account twice. The rep assured me (for the 5th time) that the transfer did not go through on Friday for some reason, and that there was no possibility of the money being taken twice. Lo and behold, I woke up on Tuesday (FOUR days after the original transfer) to a HUGE negative balance, over $2,000 in the hole. Plus, I was charged overdraft fees for the second transfer, AND for every debit card transaction that had posted the night before. To make this long story a little shorter, I called USAA and was told that it wasn't their fault, and I needed to just have my boyfriend transfer the money back into my account. They would not help with the fees, nor did they offer any explanation for how they simply lost a $2k money transfer for four days.
They are useless, and no longer have a policy of helping their customers. This bank used to be great. Now I'm in the process of switching over my direct deposits so I can wash my hands of USAA completely. They screwed me over on auto insurance, and now they are screwing me over in the banking department. Take your money elsewhere, you will avoid a huge headache and frustration.…read more
I started a USAA account when I was 17 and I had my identity stolen which affected my checking and savings accounts with USAA. Someone hacked my account and took out fraudulent money. USAA held me responsible and took all of my money in my checking and savings and left me with $0. They refuse to give me my money back and hold me accountable for the fraud. They have treated me with much disrespect and go back on everything they claim. Would not recommend USAA to anyone.…read more
I have my account with USAA before I deployed overseas. They have always been helpful and have a great website that helps to track my accounts. When my debit card was used many states away - they notified me to verify and were quick at restoring the funds. I would *highly* recommend them from customer service, to getting ATM fees reimbursed to security. I have never had a bad experience with USAA
I have banked with USAA for 10 years now and I absolutely love it. I've been with previous establishments that charged me fees to even have a checking account and I had to maintain a minimum balance, etc...I always thought that was a little too invasive for a company I was trusting to hold my assets and shouldn't have to pay a fee for that. USAA has shown me time and again that they go above and beyond for their customers and you're treated with respect. I don't think there is a better bank out there, to be honest with you.…read more
I have been banking with USAA for over 2 years. It has been a great experience. Their customer service is very helpful and I have not had any issues since banking with them. I like that they do not try and sell me extra things if I need to contact their customer service. I also like that I don't have any extra fees for banking with them. I would recommend USAA Bank to anyone. I feel my money and information are very secure with USAA.…read more
I have been with USAA bank for about a year now. I have been very satisfied with them. their customer service is top notch and they have always solved any issues I have had and they are very prompt as well. Transfers between accounts are very fast which is a huge plus for me. They also have no fees attached to the account. I am completely satisfied with their service.
When opening my USAA checking account I was given a promotional offer for $300 if my account had 2 direct deposits within 3 months. The payment of the $300 was very delayed and did require me to contact USAA to ensure that I received the money. I did and have been extremely happy with my account ever since. No ATM fees is great and the interest rate is much better than my old bank (Chase). I would recommend a USAA checking account.…read more
USAA bank is phenomenal. My grandfather opened me up a checking/savings account with USAA bank after graduation high school during the summer. He was able to somehow do it all over the phone-that was very shocking ot me. We did have to fax in information and things, but the whole process was smooth and easy, no confusion or complications at all! I spoke with a woman named Delores when setting up my security questions and my oh my, she was exceptional. She was so pleasant, and vibrant and spirited she made the long process go by quickly. I have had my bank with them since then, over 9 years now and wouldn't trade it for anything! I have another bank I use for my direct deposit and it can't come close to comparing with the satisfaction I get from here! Wonderful service, absolutely no monthly charges, and really cool cards as well! Highly recommend.…read more
I used to have an account at a big bank and for the most part it was alright, that is until I had an issue with them. I realized they didn't care at all about their customers. I was just another account and customer service couldn't be bothered with me. I left them and went with USAA bank and I have been very satisfied. The customer service has always solved whatever issue I had at the time very quickly and to my satisfaction. No fees of any kind and they give you free checks as well. Overall, you can't beat USAA if you can join them.…read more
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.
Is there a ceiling on the amount we can deposit into the account? Are there any fees we need to be aware of, and any restrictions? Can we deposit and withdraw at anytime without restrictions? Do we need to use our credit card a number of times to gain additional interest?
The questions make reference to the savings account. We have signed up for your services and are waiting for the packet of info but have not received it to date.
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.