How to get a usaa account reddit.
I am considering leaving USAA (after 26+ years).
How to get a usaa account reddit I just checked my discounts. What info do I need from him to open an acct? I don’t even know if my parents have an acct. ) USAA Savings (0. In 1922, when 25 Army officers met in San Antonio, Texas, and decided to insure each other's vehicles, they could not have imagined that their tiny organization would one day serve over 8 million members and become one of the only fully integrated financial services companies in America. 35% + bonus) My personal credit card has a limited time offer to transfer funds into a performance higher yield savings account. Knew everything they needed to know about me and my USAA membership to convincingly pose as USAA even mimicking the phone number to get information from me without it even crossing my mind (never heard of such a thing until it happened to me). Sadly, USAA still doesn't have an HYSA option. Also get a public adjuster and get advice from an attorney. But yes if you don't have a local account buying a money order and depositing it works fine. Since I was then a “member” I was able to open up my own personal checking and savings accounts. Hey! My fiance started banking through USAA a couple months ago because his previous bank was regional and they didn't have one where he's stationed now. When you’ve got a bank that is fully online, you just need to work within the limitations. USMC veteran and USAA member since 2010. You can have multiple Roth IRAs, but there's few reasons to have more than one. They initially didn't want to let me take the car until they received the payment from USAA (as opposed to the payment confirmation form with the dealership's info). com and the USAA Mobile App. Hey y’all update on checking bonus and timing. How can I get my accounts set up? I am a military dependent with my own USAA account that was originally opened as a child account. Hi gang! Please save the “just call USAA and find out” comments, I really don’t have the time to call nor does my wife… Can anyone help me with this question, do I actually qualify for USAA? How do I go about getting my account if yes? My wife has a USAA bank account (her dad served in the army and retired as a high-ranking officer) and we recently decided to bundle our car insurance Been with my bank (USAA) for 15+ years. Every time I call I’m told it should only take 24 hours to get a response. The secondary account can also be used for companies that want to do direct billing. They consistently decline although balance is PIF monthly. From what I gather, Life Insurance is not a property or casualty policy. I’m having the exact same problem with my claim except it has been going on for a year and a half now. I really like the Schwab UI and customer support, it should handle pretty much everything you could want for basic investing and trading. How good a bank is USAA really? My dad is military, so I’ve known USAA to be our family’s go-to bank for forever. Super annoyed right now. This is why you have a separate non-USAA account. Login to your USAA member account for home, life, and auto insurance as well as online banking and investment services. I recently became a member of USAA through my fiancee. The results: I see my auto policies and a single homeowner's policy with the correct If you can get in on another device (quick logon from a device you used before) you would need to turn on your email recovery. I find that using a dark non-reflective background works best at getting clear shots the first time. My wife's grandfather is a veteran, my grandmother is the widow of a vet, and my brother has USAA through his wife. Is this a good idea? Here is what the email says, copy and pasted: Get a 0% Intro APR through your February 2026 billing cycle on balance transfers and convenience checks that post to your account by October 31, 2024 I'm a USAA member. Now I've filled out and updated my ID to their verify process, which will take 1-3 business days. Usaa wont close my account right? I don’t get paid until the 1st and I don’t want them to close it and my check not go through. I also have a term life Insurance policy. Is the best way to just open a new account or is there any way to kick them off of my account myself? I should be the only one to access my own bank I have always opened accounts with a local bank, then link that account to my USAA to transfer money. Dealing with USAA is an absolute nightmare. A qualifying direct deposit is a single Automated Clearing House, also known as ACH, electronic deposit of $100 or more. Hopefully, some of my experiences can help you determine how to safeguard you and your family. They have far more consumer protections debit cards. My wife and I recently opened joint accounts with USAA (we both have banked with USAA for 10+ years separately). Most will accept a personal check, so having it eft’d to your primary checking is usually the way to go. Can’t get into anything because I no longer have phone number on account. If I go to transfer money from one bank account with a different bank to another, does anyone have any sort of idea how long I can expect to wait for said money to deposit into USAA? Auto rep with usaa, If you still have a vehicle registered in a state it would be a good idea to make sure you have coverage in force with another company. Trying to set up a Youth Checking and Account Access for my 15 y. Has this happened to anyone? Archived post. Looking at a balance transfer to USAA from Discover for $2500 debt. It says there is missing info in the account profile. I have read that the Subscribers Savings Account disbursement is only paid out if you close all of your property and casualty policies. It was easy and automatic. It’s like There, their, and they’re. There seems to be a pretty serious problem with the back-end that USAA uses for its account linking functionality. I’ve been pre-approved for a certain amount and that’s where I stopped in the process. Any number to call besides the usual membership line to try and get access? Archived post. So we choose to zelle, cash app, paypal, etc just to get it to my account to withdraw. USAA just signs you up for a Schwab account, and allows you to see things through the USAA website, or through Schwab. The initial limit was a bit sketch but I figured WTH. If we go the USAA route, I understand they’ll provide me with paperwork to give to the dealer. Cards get hacked, accounts get locked, shit happens. This doesn't necessarily mean they always offer the best rates for insurance though. I have Banking and Insurance through USAA. I plan on using another auto loan from USAA to purchase a car tomorrow from a different dealer, and I'm worried the they won't So I tried to reach out to USAA using their website chat feature which seems like nothing more than a poorly implemented phone tree. I'm not a veteran, but my grandfather did serve (honorable discharge), and I'm trying to figure out what exactly we need to do so that my siblings and I can become a full proper members of USAA. Got a letter saying they are closing all (4) of my accounts. NFCU branches are just so much more convenient. 5% at $50,000. If not, when you call they might run into the same issue with being unable to text you. Are you eligible for a USAA membership? We'll get him signed up ASAP but your post highlights the issue: some sources (like the one you posted) say that purchasing insurance is required before a member's children are eligible to join, but other sources (like USAA's own eligibility requirements) only mentions that the parents must be members for their children to join too - no mention of the parents needing to have purchased trueHi. We believe they would be pleased to know that USAA has remained true to their founding values of service If so, which is best and what kind of score do I need? As a vet, USAA is preached from the mountain tops. My wife's also a USAA member on her own. Since you hardly use the USAA account, just open the IRA with Schwab directly. We believe they would be pleased to know that USAA has remained true to their founding values of service For months my wife and I have tried to add her onto my USAA account, and it's been a nightmare. I have been considering getting one of their CCs. My ach deposit went through on the 21st and my bonus was deposited yesterday December first so in total it takes about 9 business days give or take a day just in case anyone wants to take advantage of the checking account bonus How long for a temporary credit to get put into your account : r/USAA r/USAA Current search is within r/USAA Remove r/USAA filter and expand search to all of Reddit Under there, write "For Mobile Deposit to USAA FSB Account #" followed by the account number you will be depositing it in. I know exactly what you are going through. My account is overdrawn by $180. Is there a way to remove this so we can manage our own Auto policies seperatly? I dont want to have the two cars combined. My USAA Savings account gets 0. Has anyone successfully dealt with this issue?? Need some real answers here. After seeing a TV commercial about how I could get USAA insurance if my father served, I gave them a call. g. You can get a discounts for being on an Automatic Payment Plan and for On Time Payment History. Credit scores take into consideration the age of accounts, and closing a card will ultimately decrease your age of accounts. That is inaccurate 'Parental controls When a child turns 13, the parent or legal guardian on the account can give them limited access to account services on usaa. What's going on? Just by opening an account at a local bank and then transfer online or in the app. It is insulting to misdirect members and ask them to spend time and effort chasing something which is unattainable (e. ) or manually go to the site and request a transfer USAA did cover my hail damage roof but that was only a loophole to get covered for something that denied for something that one would want insurance. I just got married. . Zelle will be disabled for 30 days if: you install usaa app. 01%, and a USAA Performance First account would get increasing APYs, but for comparison sake, 0. However, I’ve read from some users on older My accounts were screwed up after I turned 18, and I need to make new accounts. As his wife can I have one too? Or is it just for spouses/children of the military member himself? I get an extra discount for having a NFCU account. Also, USAA checking accounts include a few of the perks that I enjoy at my current bank for being a "Preferred Client", so it seemed like a good fit. My USAA brokerage accounts switched to Schwab last spring, and I didn't have any issues. I mostly use another bank, but I do have some money in USAA I'd like to utilize. I have yet to transfer the bulk of my money over to the new account. The past 3 days, I've called a rep and they always tell me as soon as I give them a name that they can't access my account and "their system" kicked me off. Most people are clueless. In fact, I wouldn't have even known dividends existed were it not for an offhand comment from my fiancee about receiving hers. " I'm having trouble finding a straight answer anywhere online and figured I'd ask here before waiting on a hold - does USAA allow you to add a beneficiary to checking accounts? However, I have seen many comments here where people suggest buying money orders and using mobile deposit as a way to get cash into USAA accounts. One thing I can't figure out is how to give her the "limited, secure access to usaa. 3 You can allow them to: Check account balance Transfer money Make a deposit' We would like to show you a description here but the site won’t allow us. I just got my teenage daughter a checking account, deposited some money, everything is active and in her name with me on the account as well. If you see a price you like, USAA will forward your request to the dealership and give you a "price certificate" that guarantees you won't have to negotiate. Now I just use my local account, as USAA has no benefits that I can't get locally anymore. They used to have other options if you weren't near a branch but no longer. Usaa has a security feature. Assuming you don’t have any issues…Timeline between application and money in your account is within a week. The only way to get it is to close all your insurance accounts. So, apparently it is possible. My question is- can I use this same loophole to invite my brother to join USAA? I’d call USAA to reset your login password. Anyway, under the new system, you can either automatically request transfer (At a minimum of $25. I hope my question makes sense. edit: once completed usaa will either transfer th’e funds directly to you in your account or send a check based on your request. I have an account with usaa to manage my insurance and it works fine. Many people find keeping a secondary checking account with a local bank or credit union useful for depositing cash and as a backup in case your primary USAA accounts become temporarily unavailable. Is there actually a way to speak with a person using that system? Is there some magical path through the menus, or a special message I can type, that gets me to a human representative?. Telling the rep that warehouse is spelled normally, as you have found out, doesn’t assure they can spell. I opened a checking account and have been in the process of switching over my bill payment accounts, direct deposits, etc. They called and asked me for whatever photos I had once, the other insurance company called me once to ask questions, then I got my deductible back like 2 or 3 months later after USAA paid to get my car fixed and paid for my rental car. We called USAA customer service and they said there is no way for them to just prevent the purchase when the youth spending has insufficient funds. Sounds like a win-win. I have never once missed a payment. My grandfather was in WWII and he’s dead (not from the war but from old age). Sometimes that means getting creative or allowing for something to take a little more time. Currently paying 29% interest on that with Discover. If you had some money at another bank, you would be fine right now. We would like to show you a description here but the site won’t allow us. : r/personalfinance Go to personalfinance r/personalfinance r/personalfinance Or is there something special or different about opening up a "business account" with a bank. I make over $60k and am using 6% of my total credit limit with my cards. I made my payment yesterday, and guess what. 🤷🤷♀️🤷♂️ We would like to show you a description here but the site won’t allow us. He’s not part of the military, but his dad is a veteran so he was able to get a bank account with USAA. He was in WW2 back in 1943, and I would be a member now if it weren't for the fact that my father passed away in 2017, never having created a USAA account. (even if you just read this, thank you. NFCU, my SO has USAA and it’s a pain to get money out of/ into the account. Is it possible to close everything (Banking and Auto Anyone else have issues with credit limit increases with USAA,? I have had this card for years and it is stuck at 500. Usually we select domestic partner when getting insurance quotes but that wasn’t an option so I figured spouse was a fair secondary. When she logs into her USAA account my Auto insurance policy shows up on her account. Also, assuming you can use a credit card responsibly, consider using a credit card for your daily transactions. I’ll get pre-approved with USAA, and then shop that pre-approval with the dealer’s finance department, easy. What would be the easiest way to get him set up with an account, and to get a home and car quote? Thanks in advance, and thank you for your service. I've checked USAA a number of times over the years but Geico is always more affordable for the same coverage. New comments cannot be posted and votes cannot be cast. Now, the email I received stated the next steps are to pretty much set up the terms, e sign some documents, and then drive away. (I don’t have patience to type out the long version). Make sure to do your due diligence and meet the requirements before you apply, and to then budget out the loan repayments when they start. Would I still be eligible for USAA insurance? How does that work for me to provide proof? And another question for a friend whose father served as a chef in the army. My Chase account constantly disappears and now can't be added back at all. Keep in mind that I've opened and paid to completion on time $15k of personal loans with USAA since this referenced $60 late payment over 4 years ago. Thanks Nice! If you want to earn more interest ask if they can help you set up a High Yield Savings Account (HYSA) with 4%+ interest at a local credit union or online bank. We constantly complain about how we are going to withdraw large sums from her account. A direct family member needs to be in the forces and have opened a USAA account prior then you would be eligible to join. I got this email from USAA offering a balance transfer. I saved a couple hundred dollars a month moving everything to GEICO and USAA paid me $2500 to leave. Exact requirements for USAA eligibility, and how to become a member? I've seen conflicting information on this so I'm asking here. I was surfing auto quotes, accidentally added my boyfriend as a spouse on my USAA account when trying to get a quote. Get coverage in force with another company and make sure to get the File a complaint with your state insurance regulatory agency. com. A few years ago, I got a used auto loan through USAA and it caused a bit of a headache with the dealer. Nothing is wrong with your number, it just happened after re-installing usaa right? You can find your USAA member number by logging in to USAA, going to “settings”, then to “personal”, your USAA member number should be displayed there. I'm sure any of our experience I share here will be the same experience of others. During that time, I've had multiple checking and savings accounts, home insurance, auto insurance, renter's insurance, and a USAA credit card. The USAA senior bonus is a distribution to the Subscriber’s Savings Account for members with 40 years or more of membership. Each one needs a 25 dollar deposit but obviously I don’t have an account to transfer that money into the new one, and the only other option is to use a card but I’m not authorized to make payments from anything. 00. com" that is advertised on their website. Went to account profile, kids name, SSN, all relevant info is there. I've been a USAA member for most of my adult life, and I'm also a professor in the field of information We would like to show you a description here but the site won’t allow us. He's trying to buy a car, but most people want cash, and he doesn't know how to get that much since USAA has no physical locations and withdrawing too much from an ATM would lock up his account. It might take a bit of digging but anything FDIC or NCUA insured is safe. Under the old (and now gone) credit card rewards program, money was deposited as a debit to my USAA credit card. Additionally, your utilization against your total credit line plays a major role. So I never overdraft my account! But I had to move into a new apartment and tried to stop a few bills but they went thru. When I was 18, I got a standard checking and savings account, and a “student” credit card with a $300 limit with USAA. 01%) vs Capital One 360 Performance (2. We opened a joint savings account, with her as the primary account holder and me as the secondary. I applied for a small personal loan <$5000 with USAA today and to my surprised was denied due to "late payment in history". Edit: Grammar Archived post. It comes in handy when my neighborhoods have done garage sales and my spouse wants to participate and needs to get some cash and have small. Currently my bank, USAA doesn't do "business accounts" but I'm frankly not sure what that even means, and can I just open regular accounts with them just for my business. He goes to the VA hospital so I should be qualified. It's really not something you would be worrying about keeping active, though, as they'll simply pay it out to you after 6 months without an active insurance policy. One big downside of USAA. I have another with chase so that I can get local needs met like certified checks but for both I don’t keep a lot there. The money will be there in 24-48 hours and you can withdraw it from your local bank. Under the new system, Rewards are held by “USAA Rewards Center”…. Once our kids get jobs, we will be switching them to another bank that just blocks purchased when there are insufficient funds. My dad was in the military. When I get to the two-step verification process, I am not able to get further. They made a "closing adjustment" and credited my account for the final payment, saving me about $100! A small amount, but just one of the many examples why I am very happy to be a customer of USAA. Also, now I would simply transfer the funds to an account at a local bank or credit union and get a cashiers check from them that way. This may be fully owned by USAA. Then, if you need access to USAA cash, do a bank transfer into your account. Once it starts getting away from you it is HARD to get it back into a manageable range and you will be drowning. I can’t seem to find anything about this on here, but I’m considering buying a vehicle at a dealership using a USAA auto loan. May 30, 2025 · USAA is the bank of choice for servicemembers due to accessibility and excellent customer service. We filled out the "I got married" form to designate each other as account beneficiaries, and we followed the process to grant each other access to our insurance accounts. We each have auto insurance, and she has homeowner's. Learn more about USAA membership, eligibility requirements, who can join, military benefits and more. Some states are "okay" with a lapse and others take it REALLY seriously. Interest rates are great and it would be easy to request a limit increase later. So, don’t delete usaa and then re-install, even if same device, you wont be able to use zelle for a month. As for your number, even if it worked, you still can not use zelle. The point of this post isn't to rag on USAA because I've had mostly good experiences. Ask questions, and then more questions, if you don’t understand something. Just got married and had my wife set up her own USAA banking and auto policies. NC is definitely one of them, at the top of my list of states to make sure things are correct. When I turned 18 the account became an “adult” account, yet both parents can see and move my money around freely which I don’t like very much. But I don't really know how to tell a "good" cc from a bad one. What's the deal with dividends? Who's eligible for 22 votes, 30 comments. We already have a savings account and he has a USAA number. I just left USAA insurance completely after 18 years and found out they were holding about $2500 in their "Subscriber's Savings Account" in my name. Can’t believe I’m 55 yrs old and didn’t know about USAA until now. I've never received a dividend. Does that still account for USAA membership? Thanks. That is kept in higher yield accounts that offer more. My next lowest limit is 6K (Navy Fed also PIF) but I have only had that I’ve called every day since Monday, sent the verification multiple times each day. o. Zelle the money to the account and get a tellers check. Take pictures as prompted by the app to get clear shots of both the front and back of the money order. Can't speak to Chase or BofA or anything but USAA and Navy Fed typically don't have service charges or minimum balances on the accounts, and you get reimbursed for ATM fees (at least with Navy I don't get a letter (paper or digital in the message center), I don't get a dividend applied to a USAA insurance policy (because I don't have one with them), and when I go to the Subscriber's Account Distribution FAQ page and edit my preferences, it says "This information cannot be viewed because there are no accounts/history available. Easiest way to get USAA? Does anyone have experience getting a USAA account? I'm interested in moving my homeowners and auto policies over from Liberty Mutual. I’ve continued to try to talk to representatives and problem solve. I kept a local account just to make deposits and then transferred them to USAA when I used USAA as my main account. Not so. Apparently, USAA has stopped allowing members to download their account transactions in a OFX/QIF… Unless I get a call in the next 45 minutes I am not going to hear back from them in the stated time window. I am considering leaving USAA (after 26+ years). USAA cannot get access to my account without a phone code, which is linked to old number. Out of great concern to people who are USAA members, I'd like to share my recent experience becoming a victim of identity theft and bank fraud and how USAA has completely mishandled my claim. For immediate use with digital wallet, open the usaa app, go to your checking account, card services, select add to Apple Pay or google wallet link… it will happen automatically, no waiting for the physical card necessary. Does anybody have direct experience with USAA and their credit cards, their quality, and credit score threshold? I think you're really asking about your Subscriber Savings Account, which will remain active if you're carrying any insurance policy with USAA. Thanks! For those of you guys with USAA (or other online banking), what would be best way to buy a used car from private party in short time? We plan to make a sizable down payment, and that money is sitting in an account with USAA. 729 credit score. Reply reply [deleted] • My auto claim with USAA couldn't have been easier. Problem 1: When I go to setup a youth account it won’t let me select kid’s name. There are a lot of other discounts Daytime Running Lights, Safe Driving, Multi car, Passive Restraint, Multiple USAA Products. We have joint access for our sons banking account but have individual banking accounts. We assumed that wach person would be able to access the joint accounts from our individual logins. With that out of the way: Does anyone know if USAA allows software developer access to read account information? I'd like to access my own (and only my own) account information in a read-only way only to download transaction data. We will attempt to deposit the $200 bonus into your new USAA Classic Checking account within 60 days after the first qualifying direct deposit amount has been received. bills. Every time I call, I provide my USAA ID or Social Security number and “ secret code”. , calling USAA web support to get help resolving something that USAA cannot or will not fix). This is an option where members can receive up to 10% of their accumulated Subscriber Savings Account every year. I would say it is better to sock drawe your card rather than close the account if you have a $0 annual fee. Once you have your own login credentials, login to your USAA website (member account), open your own checking account and transfer your money from your joint account (s). Reply reply clindst8 • The more you get through them, the more they discount your service. we can just go to whatever local bank we are using at the time and get the cash, or deposit cash back as needed. You tell USAA the car you want, they tell you which dealerships have that car and what the exact price to the penny is that you'll pay for the car. lokqjlcsoewzvlyzypgasbrkdqqeifciktfnzmvnvtnlhvanebdjezmkvwdmhbgfcfpyeqrmljtp