USAA Banking Reviews

I have been a USAA member for over 35 years and have seen the slow decline of the company. Numerous issues with the call in screening process, problems with the bill pay app and generally getting the quick and helpful customer service I was used to. Today I went to add my father's new bank account to enable me to transfer money to him and I could not find the process any longer online. I called a representative and they said they took that capability away unless I have signature authority on the account or we could use Zelle. My elderly father lives across the country and is not good with technology. They then recommended I pay for a wire transfer. I ended up transferring the money to my NFCU account which easily allowed me to add my fathers account for external transfers. I have been with USAA so long that I am hesitant to change, but NFCU is looking better and better as an option with much better customer service.

The customer service is awful. In the past my account has been Frozen. I have had to wait 2 weeks for a check to clear. I've been waiting now for the last 2 days for a refund that was issued back to my account. The customer service agent said it could take up to 5 days to go to the "process". I just don't feel like this Bank takes care of its customers. I will be leaving it.

USAA banking BillPay service has not worked properly for months. You often need to program an online payment multiple times before it works. I have spoken with them and they realize they have a problem. In fact, when you use BillPay a message pops up that says customers may get errors and have to start over, they know of the problem, and are working on it. This message has been there for months also.

USAA BANK took my veteran's disability payment when needed for surgery. The U S C LAW SAYS no bank can take the funds even if the account is negative. The bank replied that the bank doesn't have to obey the law and could care less about the veteran's rights or necessity.

Updatd on 12/13/2025: A lot has happened since my last review and as of today I finally got all of my money (except $8.10) out of the USAA bank. I also made sure there was no foot print left to my new bank. I work up today at 3 AM as normal and checked the USAA accounts because my intent was to use the ATM and get the rest of my money. But, they did it again, they locked me out, out of my cell phone access, out of my computer access but this time I was allowed to call.

I've been with USAA for over 35 years. The customer service has gone downhill. I called today to dispute a debit charge and get a new card, with new numbers. I was told it takes 7 - 10 days to receive the card. They charge 20.00 to send it out next day. For a long time customer they couldn't waive the fee? Who can live without a debit card that long?. Hopefully this new CEO will do better than Mr. Peacock did.

USAA introduced Bill Pay for convenience. You could pay 1 bill or 10 bills at the click of a button. Now they are no longer convenient. You can only pay 1 bill at a time. So if you have 10 bills, you will spend more time paying your bills because you have to continually go back to the page to make a payment. Are the patients running the asylum at USAA now?!?! What is the reason for having to pay 1 bill at at time?

My wire transfer was denied after I received a confirmation. Why? The bank simply said they refused to handle the transaction. If you are considering opening a new account you better think twice about USAA.

DO NOT USE THIS COMPANY FOR YOUR BANKING!!! I changed my phone number on their APP from my Cell to a Lan line, and it has been a nightmare ever since. Without notification or authorization, they locked my account and refuse to allow me to access it, close it, or do anything till I give them a cell phone number - which I don't want to do. So they basically have high-jacked my account and are refusing to do anything to let me back into it till I give them a cell phone number. Run from them as fast as you can and never use them!@!!

I am a veteran and USAA Banking does not actually support veterans. I have been with USAA for over 19 years. You will receive better service from Navy Federal. My advice is for you to go there when trying to receive funding for your car receiving a loan or any other service that requires credit approval. To add, during the Government Shutdown, Navy Federal will give you a loan not subject to credit approval based off of your direct deposit if your receive federal pay. It is ridiculous during these trying times that USAA wants to offer the same type of service in which you have a guaranteed direct deposit from your government pay check and requires credit approval. This is a SHAME.

I’ve been a member for almost 30 years. For 21 years USAA was amazing! The past 9 have seen a steady decline in quality, products, services, and prices. Where we once had no questions USAA had our backs, we now fight a system of red tape and “I’m sorry, that’s not how we do this anymore.” Or “You didn’t buy that extended extend coverage, just the regular coverage.”

USAA bill pay system did not pay one of my bills on time, resulting in $88 in last fees and interest. The payment also did not show in my transactions for almost 2 weeks, so during that time my account balance was significantly inaccurate which could have caused bounced checks if I did not have a substantial balance. After almost 2 weeks of phone calls (as long as 1.5 hours) they said all they can do is submit a case to a 3rd party and I MIGHT get $50 refunded but not the full amount even though it was their error. They consider the case closed once they submitted to 3rd party, no indication of who is following up from USAA.

Still attempting to change beneficiary information on checking account. USAA rep would not accept my middle name initial even though it is my full legal name. Reps refuse to send crucial paper copies and then put incorrect beneficiary information in your inbox. Instructions on how to forward said documents are nil. As of now, critical legal documents are totally incorrect due to USAA.

These crooks closed my checking account with ZERO notice. To cap it off, they said I couldn’t get my money in there for 60 days! They locked it down…checking and savings. This caused huge problems paying my bills.

I have been a member for many years and I am impacted by the government shutdown. I applied for a loan and was denied. I have over 10k that goes direct deposit and didn't qualify. I'm leaving USAA! They don't take care of Veterans. At a time like this, why would credit scores matter when people don't know when they will get paid. I wasn't asking because I want to vacation, I'm trying to keep my head above sinking waters. I think I need to find another place to get my VA benefits and paycheck!

I've been with USAA now since 1989. We have our home, car, umbrella, personal property and pet insurance through them. Absolutely outstanding. (Can be a little expensive for the homeowners but we filed a few claims.) We also have multiple accounts including investments. The app is really easy to use - very straightforward and the customer service has been excellent. Highly recommend. I'll never go anywhere else.

It's unbelievable that there's no way to deposit cash into your account. You can't just go to an ATM, like with any other bank, and deposit cash. That's caused me a great deal of inconvenience lately. After 40 years, I'm moving onto another bank.

If your issue isn’t fraud but non-delivery or broken service on a multi-layer digital purchase (gift cards, game credits, redemption codes), go straight to the merchant/developer first. In my experience, USAA reduced my detailed claim to “services not satisfactory,” leaned on the seller’s “no-refund” boilerplate, and did not address whether the end service I paid for was actually delivered. While that dragged on, I lost the time window to get relief directly from the merchant. The process felt template-driven, not evidence-driven. What I wish I’d done on day one (so you don’t waste time):

I am so angry with USAA. I have banked with them for 9 years and have an impeccable track record. I have paid off 3 loans and never missed a payment, have had multiple checking accounts with them and never had an over draft fee or NSF charge. Suddenly for 3 months in a row they held over $1000 of my deposit. A deposit that was exactly the same (average amount, from the same account) for several years. This forced me to return to an old credit union account I have had a lot longer than USAA and has messed up all of my banking. I do not recommend them to anyone.

I’ve been a loyal USAA customer, but my recent experience with their banking services—specifically my checking account—has been deeply frustrating and troubling. USAA has been mismanaging my account in ways that have caused real financial confusion, and when I raised concerns, I was met with threats of account closure instead of support. The core issue involves duplicate charges. For example, when I make a purchase on Amazon, I’ll see an immediate authorization, followed by individual itemized charges days later—sometimes even a week after the original purchase. This isn't just with Amazon—it’s happening at Target, my local supermarket, and other stores.

Honestly I have had horrible assistance from USAA for the last 4-5 years of my military career. I’ve been a member for 12 years, and this company offered me no assistance when I was stationed in Germany. They said they can’t offer pretty much anything to people not in the US. This bank is terrible for military members. I will be sure to tell future soldiers not to bank with USAA their car for military member is unacceptable!

USAA Bank sends deceased vets family credit offers in their name. Ridiculous. When I called customer service they wanted the birthday rather than the address. Just to stop the mailings. My deceased parent never had an account with USAA yet they keep sending credit card offers to my deceased parent.

I have been a USAA member for 14 years. I called in to request 2 disputes. One for a full refund and another for a duplicate charge. They ruined my account, left me in negative, they admitted to wrong!

I have been a customer of USAA for 42 years. Banking, Insurance (home and vehicle), and other investments. In November of 2024, I had a pipe burst under my kitchen sink. It flooded our home. Mold grew in the walls of our kitchen and under our kitchen cabinets (we know this because we've had it professionally tested). It is July 26, 2025 and still my issue is unresolved. I've submitted bids from several environmental companies and general contractors but in every case, USAA will not pay for them. So here we are, living in a home full of mold and a claim unresolved. Before you purchase their products, be very careful. They are not the old USAA that used to be the best there is - their actions clearly illustrate they are not concerned for or care about their members.

USAA is the worst banking establishment I have ever dealt with. I’ve used the for years because my ex husband was in the military and it was convenient. The people on the phone never can give any actual information, they just give general information. There is nothing intimate or personal about these people. They have no locations to actually be able to do banking so it’s all done online which is a hassle. Don’t deposit checks online if you want your money right away. They let AI make all the decisions when it comes to clearing checks.

I've been banking with USAA for more than 12 years. I have never been overdrawn or even close. I have an excellent credit rating. I have had mobile deposits held so many times that I've finally had enough. Time for a change.

I had someone fraud my account through wire and funds transfers. They open another account with a different bank. It's been over 30 days. I filed a police report but it seems nothing is being done about me getting my monies back. I'm being transferred from department to department. But still out of my monies. They feel that some of the things are fraudulent and other I authorize.

Whenever I need to talk to a USAA Bank employee, I plan for one hour since it takes that long to reach a live person. Most phone reps talk way too fast requiring me to tell them to slow down several times and explain their mumbled explanations. Many are quite poor with the English language. My Korean born wife has a better command of the English language than many USAA employees. I’ve been a member for over 50 years and am tired of the rude phone service and the lousy bank and CD rates. As a result, I have moved $345,000 out of USAA Savings Bank. If USAA improves their phone service and becomes more competitive with their banking rates, I will return. In the meanwhile, I tell everyone how bad the service is from USAA Savings Bank.

USAA should be formally investigated for the way it handles insurance claims. A class action lawsuit is warranted based on my experience and that of many others. My legitimate claim was wrongfully denied by an adjuster who made racially biased comments, including questioning whether I could afford the insured item. She directly told me she would not approve my claim or issue payment—and USAA has stood by her actions.

USAA was informed that I was on my fifth day with no food, I mobile deposited a check and I realized that the policy states that it could take up to whatever blah, blah days and that's fine but whenever you're starving and you put it money in your bank via mobile deposit because USAA doesn't have many physical branches, they refuse to give you your money when you're seriously dying right there on the phone and they talk about the system won't let them release it.