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I have been with USAA for close to ten years now and I have received absolutely nothing but great customer services. USAA really has it together and offers great products, including this savings account, as well as great online and mobile features. Anytime I need to open a new account or change a service, I am able to do so hassle free. The charges associated with this savings account are minimal to none and it really is a great account to have! I highly recommend to anyone that is able to sign up for one with USAA to do so.…read more
I have been a USAA customer for more than 15 years. To this date, I have been 100% satisfied with any product this bank has to offer. They have treated us with the upmost respect and have sought to offer us products that are better than the average bank. We use our savings account frequently. Even though they have a withdrawal limit on the savings account (6 times a month), they forgave us when we recently overwithdrew by mistake. They have constantly sought to make their customers happy. We use USAA for checking, savings, loans, investments, and auto insurance. I will never go anywhere else...…read more
We have had our savings account with USAA for over a year and we have never had any issues. It was easy to get set up, clear disclosure information and just like every other product we have with them WONDERFUL customer service! We intend to get all of our banking/loan/insurance products switched over to USAA they have been great!
I love USAA! I am so grateful to my father for serving in the military so he could pass down his membership to by brother and I. This savings account has a great interest rate, but more than that I love that I can access my account information anytime. The website is great, as is the app, and USAA is one of the first banks using a biometric login - your phone can actually recognize your face so you can never forget your password. I know that identity theft is a big problem, but at USAA they take care of their own and the security is top-notch. It's easy to deposit money through the phone app, and the money is in your account instantly, no holds. It's also easy to transfer money to checking, etc, instantly. This is a great savings account!…read more
I can’t say enough about my experience with a USAA savings account as well as a USAA customer. I have used USAA for a number of years now, primarily for checking accounts as well as credit cards. I was so happy with their services so I decided to pull my savings account from another bank I was using and bring that savings account to USAA. I opened the account because I knew could not get better customer service elsewhere. While I’m not necessarily earning huge interest on this account, it is effortless to maintain this account, and I can easily transfer funds from my checking account into my savings account online. I am also allowed 6 withdrawls from savings each month if need be.…read more
USAA is amazing!! Anytime you need to call them they are always there. I love this account because there are no monthly fees or withdraw fees unlike other banks. Its easy to transfer money into your savings account from another account, but it is difficult to deposit money into the account. Sometimes depositing money you have to find a bank or go to your nearest UPS store to have them deposit into their system to get to your bank. I would tell everyone that this account is great to have especially for military families.…read more
I love USAA. They are always there when you need them. Although it can be hard to deposit money into your account, they have easy access and are always available for you to when you need it. Transferring money is easy and the money is available right away. They make it easy to save because of the maximum amount of transfers allowed. That can sometimes be a pain if you need that money and do not want to incur an extra charge, but they are awesome and wouldn't change my bank in a million years!…read more
I have been banking with USAA for over a decade and we have multiple accounts with them ranging from insurance to savings accounts. All of which we are very happy with. They are a great company to do business with and always put the customer first. We have never had a problem or issue with any of their services and we do all of our banking with them. It is easy to get in contact with customer service and your concerns and issues always come first. We are very satisfied with them as our savings bank.…read more
My savings account is great! I opened it a few years ago for only $20. I love that there's no minimum balance needed. Transfers are easy, but you're only allowed 6 a month. I didn't like that at first, but it makes saving a lot easier. Now I don't have unlimited access to my funds, so I can't spend as often as I did before. Since I'm trying to save money this is a really nice feature. That being said, if I do need to make a transfer it only takes seconds. All of my accounts are through USAA, and I don't plan on leaving!…read more
I love my savings account. I have had my USAA savings account for 15 years now and started with just a $5 balance. I love that they don't have a minimum balance to open up the account, and it is tied to my checking account. That is convenient, since I can transfer funds between my checking and savings account either online or on my phone. The mobile app is really easy to use. Also, they don't charge any fees, and I earn interest on the money in the account.…read more
Both myself and my husband have had our USAA accounts since college. I really love my savings account and all it has to offer. The minimum amount to open a savings account is relatively low, and you there are no fees or minimum balances. I use the USAA goal tracking feature to help me keep track of my savings goals. I have one account set up for emergency funds, one for regular savings, and one set up to help me save up for fun things every now and then. For how we use it, and for how much money we have saved, the interest rate isn't really high. However, we are just starting out and we're looking forward to the better interest rates as our account grows. If you transfer funds out of an account more than six times a month, they will turn that account into a checking account. We've never had that problem, but they do warn you when you go to transfer funds. Overall, it's a great account. They have helpful customer service, and I wouldn't bank with anyone else.…read more
I have had a savings account with USAA for many years now and I find USAA very easy and pleasant to deal with. The interest rate is very low but for most banks this will be the same. If you have $10,000 or more the interest rate goes up to I believe .40 %. I have had to make adjustments to various transactions and every time USAA was available and helpful in getting the situations corrected.…read more
My husband and I have been using USAA Bank for years and we love it. They have competitive interest rates, great customer service and transferring money online to your savings account is a breeze. We use a typical savings account for our short term money savings and a money market for longer term savings such as saving up for our new cars etc. Having easy online access to separate accounts that you can transfer money between makes saving for multiple big ticket items a breeze. Overall we are very satisfied with USAA and have no plans to ever use any other bank.…read more
My dad was in the army so I am able to be a USAA customer. I have had their car insurance for years and their homeowner's insurance for the last 2 years. I finally decided to open a checking and savings account with them. USAA is great. Good customer service, good references for other services like real estate agents. I love the mobile app. I have always had a pleasant experience when I have to call their 800 number. The interest rate for savings is okay, slightly better than my Bank of America savings account. I can access my account with my ATM card so that's good because of course, there aren't a million physical locations all over the place, but I have not found it to be inconvenient.…read more
There's nothing I can truly say negatively about any of my experiences with USAA. I have been with them for over a decade, and not once have I had a bad experience with them. In fact, if they offer a product (banking, insurance, travel, credit cards), I have closed accounts with other companies with which I had this product and took my business to USAA. Their insurance is top notch, inexpensive, and easy to make a claim. I have renter's insurance, and once I dropped my laptop and cracked the screen. I filed a claim and got reimbursed within a few days. There was no feeling like I had to negotiate or prove myself innocent. They were completely fair and professional!
The checking and savings accounts I have are easy to use, especially with their iPhone App. A few swipes on my phone, and I can transfer funds, deposit checks, and send messages to customer service.
In all of my time with USAA, I've ever only needed to call three times. Once was my insurance claim, the second was to inquire about a daily limit on my debit card. The last time was to change an address. Every time was fast, easy, and I got friendly customer service representatives who sounded like they loved their job.
I will never leave USAA. One day, I hope to get a home mortgage from them and hopefully pass down my membership to my two kids.…read more
My husband is a retired National Guardsman. He has used the services of USAA for many years for a wide variety of products. We have always had a great experience with them. We opened a savings account with them last year. We were trying to simplify our financial life and felt that out of all of our banking possibilities, this one was the best. We have several insurance policies for our home and auto already so adding our savings account seemed the natural next step. We were very pleased at the ease of handling this transaction over the phone. Their reps are always polite and knowledgeable. We liked their interest rates compared to some of the large national chains. They have no fees and we can easily access our accounts through our ATM card. Overall , we have had no problems using this account and have been pleased, as always with USAA's customer service.…read more
I have been using USAA since joining the Military and I have found that it is a wonderful bank to use! Not only are there great benefits and services for us men and women in the Armed Forces but great customer service! Once I had to call the bank to change my last name after getting married and they were so helpful and kind, even congratulating me on my new marriage. It was so sweet. They even have a way to deposit your checks into your bank account from your phone! Super helpful when you live somewhere where there are no actual banks!…read more
This bank is incredible. I've been with USAA for 3 years now and am absolutely in love. They're quite simply the best bank I've ever used. I have always gotten all questions answered and problems solved on the first call. I am extremely happy with their products, customer service; everything. They must have excellent customer service training, because these guys are super polite. If you are eligible, USAA is certainly worth switching from a mega bank or a great alternative to a credit union. I give this bank 5 star rating and would definitely recommend to anyone eligible to get a membership.…read more
I honestly can't say enough good things about USAA. All of the features you look for in another bank, free checking, no ATM fees, no minimum balance, etc aren't just benefits at USAA. It’s just the way they do business. USAA treats you like a person and not just a source of revenue like most banks. The customer service is always there when I need them, no long waits or customer service reps that have no idea what they are doing. They are always polite, helpful, and quick at resolving issues. A story I usually tell people is when I lived in this awful rental house that flooded and the landlord wanted me to pay for the damages I called USAA for advice and they helped me out, even though I didn't have rental insurance with them at the time! That's the type of service they are known for and you can expect if you qualify to join USAA.…read more
I've had USAA ever since I was in college. They were pretty good for a while. I had my insurance and credit cards through them as well. However, there are a few things that made USAA stand out aside from those other products. Specifically, USAA was one of the first banks, if not the first, to allow you to scan your checks at home to deposit them. Sometimes that didn't work, so they provided free pre-paid envelopes to mail checks in with. Pretty decent. Then, when smartphones starting popping up everywhere, they were one of the first banks to allow you to take a picture of your check to deposit it in real time. No waiting for the check to clear – the funds would be available to you immediately. When you add to that the fantastic customer service that USAA is known for, I don't have much of a reason to think about switching banks. It would be nice if their interest rates were a bit higher, but it seems like everyone is cutting those down to being almost non-existent. Still, it seems like Capital One and ING are able to get slightly higher than average rates. However, I don't think they have an annual dividend rebate for account holders, like USAA does.…read more
I have been banking with USAA since I was old enough to have my own bank account, and I had a trustee account in my parent's name before then. I also have a credit card and a car insurance policy with them. I cannot say enough about the level of customer service that USAA provides. I don't currently have the kind of assets that demand a high level of concern over competitive interest rates and the like, so I can't comment on that aspect of their business. However, it is wonderful to be able to know that whenever I need assistance (I have called well outside normal business hours) I will be able to speak to a helpful human being who has the knowledge to answer my problems and does so in a clear and competent manner. Most of the problems that I have had to contact USAA about have been issues on my end regarding cashing checks and ATM withdrawals and the like and I never got the impression that the representative wasn't more than willing to explain everything to me until I fully understood. Just knowing that I can rely on my bank to always do the right thing and that any issues that I might have will work them out in the way that they should is great. Not many banks attract the level of customer loyalty and satisfaction that USAA does and it is well deserved.…read more
I have been a member for about a year now and they have really helped me with finding the right savings account that would give me the best interest on my money. Every time I call, the customer service is always excellent. I am in the market of buying a house and they were more than happy to help go through the financing process.Their process was quick and very painless. I feel this is a great bank and I am sure I will be a customer for years to come. My father was a member for the last 40 years and I can understand why.…read more
Iâve been banking with USAA for nearly four years now and I really couldnât be happier. When I have had occasion to call, I have never been on hold for more than two minutes. They also allow you to contact them via email which is extremely convenient for my schedule. They always respond to my emails within 24 hours. All representatives I have spoken to are cheerful and extremely helpful.
They give you all the information you need in clear, easy to understand language and are always willing to work with you.
USAA allows me to use any ATM without having to worry about a fee. Since they donât have any banks in my area this is an extremely important feature. Their website is user friendly and it has a lot of free resources to help manage your finances. They make it simple to transfer money between both USAA and non USAA bank accounts. Their smartphone application runs well and even allows you to take a picture of your check in order to deposit it instantly.
I use USAA for my credit cards, my banking and my auto and property insurance. There are very few companies that I trust, but USAA is one of them. Whenever there is an issue, I donât even bother to get upset - USAA always takes care of it.…read more
A: If you make more than 6 transfers per month, you will be charged a fee. The first occurrence is free, for the 2nd and 3rd occurrences within a 12 month-period you will be charged a $5 fee. Please note that after the 3rd occurrence within a 12 month-period, the bank ...show more
A: USAA is primarily an internet bank and, typically, online banks are able to provide more competitive rates for their savings account. Banks with brick and mortar branches usually offer lower rates because they have a wide range of other costs to incur and it’s just not profitable for the bank ...show more
A: Your savings account will never convert to a checking account. This savings account has a 6 withdrawal monthly limit. If you make more than 6 withdrawals in a monthly statement cycle, you will be charge a $5 fee per occurrence.
A: There is a fee for savings transactions, but it depends on the number of transfers made, not on the amount transferred. More specifically, you are allowed 6 transactions per month with no fee, and after that you will be charged $5 for each transaction.
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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