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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
I have been with USAA with a checking account for about 4 years now. They have always done right by me. It's mostly a online only bank but I am fine with that. I love how transfers of funds from one account to another is instant, something I haven't seen in other banks. Overall I'm very satisfied with USAA.
I’ve been a USAA member since I married my wife two years ago. We joke that it’s one of the best things I got in the marriage. USAA has always had amazing customer service. They are prompt and knowledgeable when you call in. Recently I was trying to work out some budgeting tools and called them to ask about opening extra accounts. They were great in informing me about all the choices and I ended up opening two additional checking accounts to aid in our budget system with no additional cost. The online banking through the app and website are great too.…read more
I have used USAA for other financial needs and always loved the service so I decided to use them to bank with as well. It was very easy to set up an account and the bank gave me money for setting up both a checking and savings account with minimum deposits in both, which I loved. It is very easy to navigate their website online as well as their app. I have never had any complaints customer service wise either. I did have an issue with my debit card being sent to the wrong address but customer service representatives helped me to resolve that issue immediately. Overall, they are a great company to bank with.…read more
I have been with USAA online banking for over 6 years and I have never had any problems with them. They are exclusively an online bank, but that doesn't stop them from providing excellent service to current and former service members. With them I can deposit checks online, report a lost or stolen card, report fraudulent transactions, and enjoy online banking on a secure site. They not only offer banking, but also offer car insurance at competitive rates, personal and home loans, life insurance, ect. I plan to stick with them as long as possible. They have regular business hours like most banks, but have a 24 hour hotline you can call if there are any problems that need to be solved right away with your bank account.…read more
We have been banking with this institution for over 4 years and love them. We have never had any issues with them. When my husband lost his card while gone in the Army, they gave us no trouble in rushing him another card as soon as possible. We love the online banking and mobile deposit option.
The only issue I've ever had with my USAA checking account is that I have to mail in deposits, I can't make them locally, so there's a delay. I won't mail cash so I always have to change cash into a check to mail the deposit. I like USAA's checking account overall and have had it for many years. There are no fees and I earn 1% interest, which isn't much but it's nice. I haven't had any major issues from them.…read more
USAA is one of those rare unicorns that actually know what customer service means. While they are located out of state and you can't just walk into a branch like you can most other banks, they more than make up for it with quality products and superior staff. I have been a loyal customer for 18 years, and have yet to have one single issue that involved me having to be transferred to another department or a supervisor. Without fail the first person I speak with can handle my inquiry with ease. Every one is pleasant and helpful, they have incredibly low interest credit cards in addition to interest accruing checking and savings, and they release my Direct Deposit funds as soon as they are notified of the transfer so I get paid a day early.…read more
Been using USAA for a checking account for a few years now. I'm not in the military but they let me join anyway. I believe they have since closed registration again to only service members. This is one of the best bank accounts I've had. They really take care of you. they refund ATM fees, they don't have any monthly maintenance fees or anything like that. I once had my card stolen and someone used it to make purchases, I called up their customer support and the charge was reversed immediately. They sent me another card in the mail free of charge which I received a few days later. I am 100% happy with them.…read more
USAA is a wonderful bank to use. They offer check deposit at different locations, but it's a perk when your significant other is a full-on member and gets check deposit over the phone. The customer service is always wonderful! I never had issues with them where it wasn't resolved. For example, I wasn't getting a utility electronic bill through my Bill Pay account. The person that helped us was very kind. She asked us multiple questions, tried her best to get an understanding of our circumstance, and communicated with her colleagues to ensure things got resolved for us. Another time, we had an issue with another person being associated with my bills. I was able to see his bills, and he was able to see mine. I talked to a USAA representative and he indicated that unfortunately he couldn't take care of the matter, since the other person needs to remove me. Even though it wasn't cleared, the representative helped us out so much. We felt like a person, not a number. The customer service is the reason why I stick with them and continue to do so. It's probably the best bank I've ever dealt with, especially for it not being a credit union!…read more
I've been using USAA now since 2002 and have found them to be extremely easy to work with and very helpful during interactions. The ATM fee rebate is one of the best aspects of this account over another banks. No fee banking is also a big plus, and their mobile app is probably the best I use.
I signed up with USAA a while back when they let people who aren't in the military join. Since then I believe they have closed it back up though, but if you can get in, they are a great bank. Free checks, reimbursed ATM fees, fantastic customer service as well. They really can't be beat.
I have been with USAA bank for a while now and have a checking account with them. They have no fees which is great, free checks and they reimburse ATM fees. You really can't go wrong with all of that. The only down side is if you need to deposit a check you have to do it in the UPS store, but I do believe they have a mobile app to make deposits as well.…read more
I have had an account with USAA for a few years now, ever since they opened up the service for people who aren't in the military. It's been a great bank and I'm glad I signed up. There's no local branch to do business with, but I hear you can deposit checks through the UPS store. Although I haven't done that yet. Their customer service is top notch and they will take care of you very quickly. Another huge plus with USAA bank is that there are no monthly maintenance fees and ATM fees are reimbursed to your account, which is fantastic. I highly recommend them if you can get in.…read more
I have had a checking account with USAA for a few years now ever since they opened it up to the public. I do believe they have since closed it off again, so you may need to be a member of the armed forces in order to sign up. But if you can get in, they are a wonderful bank. No crazy fees or anything like that. Free checks, they reimburse ATM fees, Their customer service is incredible. It's also very fast to transfer money to and from the account, usually instantaneous. I highly recommend them if you can get in.…read more
I have an account with USAA and I have been very satisfied. I had a charge appear on my account that I have no idea where it came from. I called up USAA's support and they immediately removed the charge and returned the money right away. After a few days they sent me a new debit card and all was well. I can't say anything bad about them.
USAA is a great bank to be with. I have tried other banks in the past and USAA is probably the best bank out there. They are very helpful and try to understand your personal situation in life. They also help me get my debt under control and gave me free and clear financial advice. I'm really glad I switched to USAA they have really changed my way of banking. I don’t think I could ever switch to any other bank.…read more
I have been with USAA for a few years now and love them. This bank makes it so easy to do everything you want to get done. I do not have a USAA bank near me so i cannot go to a bank to take out money. This is why i love that I get all my ATM fees back at the end of the month. I also use deposit at mobile, this is so easy to use and since we have a credit card through them our money is in our account immediately. If you are wonder weather or not to get a checking account here it is worth it they are awesome!…read more
I have been with USAA for many many years. My overall experience is pretty good. The worst issues I have had is when going to a ATM my account will be plus or minus in either direction. In short, not describing the true balance. One of the times I had called in and they gave me a completely different number then what the ATM gave me. Yes I do keep a check book and ledger, but seeing different balances all the time is not good for someone my age. I must say that customer service is always good and to the point. They have always been helpful and look for ways around issues I may have.…read more
I opened my USAA account back in 2007 when I was 16 years old and I have had it ever since. My dad was in the army for 21 years and him and my mom have had USAA as long as I can remember along with me, my older sister and my younger sister. Even if you don't use it much I strongly recommend starting a USAA account. I don't think you have to be military for the checking account and it has really cool features. I have been able to deposit checks through the mobile app for the past 5 years which was way before any of the other guys had that technology. They are really good about overdraft fees if you ever incur one and they will waive up to 6 of them in a year. They offer immediate transfers between other USAA accounts and you can transfer to and from your local banks with no fee as well. All in all I couldn't be happier with them.…read more
My husband and I have had USAA for over 6 years now, and we are so happy banking with them! Everything is a breeze. We can deposit checks through our phone, easily make transfers, and have never had any issues with them. We also use them for our auto insurance, renters insurance, and have a credit card with them. I highly recommend USAA to all Military personnel and their families. They make things so easy, and their customer service is great. They always thank my husband for serving, or thank me for my sacrifices as a spouse whenever I call in. I urge everyone who qualifies to open an account with USAA!…read more
I love USAA bank. I have absolutely nothing bad to say about them. There is no fees at all unlike my old bank which basically dragged me over the coals every month with fees. They even reimburse ATM charges, which I didn't know any bank would do. If you can sign up to become a member I would definitely do it. They are one of the best.
I have had numerous problems with them since I joined while in the Navy. I love that they give free checks, and waive atm fee's but I hate that there is no way to deposit cash. Mobile deposits and UPS store deposits are great but you have no way of sending cash unless you live in Texas. They have been rude to my wife and I and processed transactions incorrectly causing me a fee which they defended even though they were wrong. I have been hung up on, yelled at, and talked to rudely. This is a bank that I would not continue to use unless I lived in Texas. I currently have credit cards with them and I love that interest rate but for a everyday bank that I can deposit cash and speak to a human I'm staying local…read more
I have had a USAA checking account for nearly 10 years now and I have been very happy with it. My husband is in the United States Air Force and that is how we were first introduced to USAA. My favorite part about my USAA checking is the ATM surcharge rebate. Because USAA does not have any physical locations, you can go to any ATM to withdrawal money, and USAA will cover the surcharges. I also love how easy it is to deposit checks with my phone. You simple take a picture of the front and back of the check, show the amount shown on the check and it will pretty much instantaneously deposit into your checking account. I love my USAA checking account.…read more
I've been with USAA for a few years now and I haven't had any problems with them. I've had my debit card number charged erroneously a few times and I called up customer service and they handled it very quickly. I have a few checking accounts and USAA always allows me to transfer money between them quickly and easily. No fees of any kind except for an overdraft fee if you go overdraft. My only issue with them is they won't let you use the mobile app to deposit checks into the account unless you are a service member. As I am not one, I signed up when the service was open for anyone, that is a bit of a disappointment.
Other than that, the bank has been fantastic.…read more
USAA is a wonderful company with which to bank and have a checking account. The employees are incredibly helpful on the phone and have helped me set up multiple checking accounts. I use mobile banking, and it's easy to see and use my checking accounts through the USAA app. One time, I accidentally overdrew in my main checking account. I called USAA to explain the situation, and the employee waived the overdraft fee.
Back when USAA opened up to all members of the public, and not just members of the armed forces, I signed up and have been very satisfied with their service. One thing I love about them is how fast money transfers between accounts. With most banks you have to wait days for the transfer to go through, but with them it happens instantly. Highly recommend them if you're looking for a good bank.
I used to be a member of USAA years ago. It was a very good bank and I had absolutely no problems at all with them. One time my account was charged for something I didn't purchase. I reported it to USAA and they returned the money immediately. With no fees of any kind, including no monthly maintenance fees, free checks, reimbursed ATM fees, this really is one of the best banks out there. The only downside is they don't have a local branch. So if you need that, another bank would be best.…read more
I have had USAA for two years and I think they are alright. I'd very much prefer them to be a credit union. They are very nice with customer service, however I get disgusted when they try to rush me into another conversation or to join a different branch of their company. This happens every time I call. Example: If I call about filing a dispute, after I finish speaking my problem they will say, "No problem, I can help you with that, while I have you are you interested in setting up your Will through us?" Very annoying.…read more
I love USAA and have been using it since high school. I use them for checking, savings, credit cards, renters insurance and auto insurance. The checking account specifically is great. Whether I as questions online through email or on the phone I get a quick response. A few weeks ago I had an overdraft which showed a $25 fee. I emailed USAA about it at around 11pm and when I woke up around 6 am, it was already written off because I'm a loyal customer. They are consistently on point with their service!…read more
I've had a checking account with USAA for about 6 years. I've worked with a few different banks before, and USAA is the best, hands down. Fantastic service, no hidden fees, courteous and transparent staff, plus they refund your ATM fees. If you can get a USAA account, do it. You won't go anywhere else.
I've been using USAA for a few years now and have always had a positive experience. Their customer service has always been extremely helpful and courteous, they have always gone out of their way to inform me of any policy change or fee change. They have always been quick to help me with any disputes that have come up. If you qualify for USAA, there is no reason to look anywhere else for your banking needs.…read more
A: 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.
Q: 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 ...show more
ReplyWalletHub User·Sep 28, 2015·USAA Bank Classic Checking
A: 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. ...show 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.
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