USAA Banking Reviews

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.

I've been a member for almost 40 years and I ABSOLUTELY hate this company. Their service is horrible, they don't care about their customers. We are all just a number to them. I remember the good old days when they actually cared about their customers and would go out of their way to make things right. Now, they really just don't care. Classic example of a great company going completely down the drain. I would never recommend USAA to any friends or family. In fact, I wouldn't even wish the "USAA experience" on my worst enemy. They need new leadership.

Been with USAA for over 15 years. Ever since the bank with fully internet, it went down the drain. Customer service representative never have a direct answer. System is always down. Better finding a bank that has a walk in. How ironic having only an internet banking and system is always down. And having customers reps that are also down too.

I have been banking with USAA for 14-years and I am very disappointed how USAA has handle a recent dispute. I was mistakenly charged twice for rent in the amount of 1,050.00. I contacted USAA and disputed the charge and requested my account be refunded. The representative informed me that it could take 7-10 days for the dispute to be resolved. After a few days of my account not being credited, I called back and asked for an immediate refund as I had other outstanding charges that would be withdrawn from my account. The representative stated that my account should be refunded on that day. However, it was not, resulting in my account being overdrawn. I called back for a better understanding why I wasn’t allowed a full or partial refund until the dispute was resolved. I was told by the representative that USAA has up to 7-10 days to review the dispute before considering any refunds to my account and it could take longer than 10-days.

USAA is aging horribly. Processes, such as mobile deposit, have grown considerably longer in processing times to where MAILING a check would be faster. For example, my latest check is stuck in a standard 7-day hold. This isn't a personal check; it is a check from a business I deposited. I already left their insurance and am considering leaving checking now as well. USAA has abandoned its heyday and are not an annoying call center who can ONLY read scripts and stall on answers. They never give detail and they can never transfer to anyone else.

Hard to get a good answer from their first line of support. Been a customer for 40-plus years and am finally considering moving to another bank for checking and another firm for insurance. There is just no benefit to stick with them anymore.

Normally, I receive such top-quality service from USAA. However, I received the worst service ever from Jessica. She was extremely impatient with me, deeply incompetent, unprofessional, and unclear regarding issues with a transaction. I had a better experience simply troubleshooting the problem with a family member right after. By the way, Jessica, that's why I took a while to respond to your last question in order to better understand your confusing question. Nevertheless, I am not attacking her at all, as someone who's worked in customer service for a while now, I understand how frustrating people can be. But I want her to keep in mind that we have no idea what's happening on the other side, so why jump to conclusions?

Worst bank I've ever dealt with in my 50+ years. I opened 3 kids' accounts back in October. Here I am - 4 mos later - trying to get these accounts tied up. They seem to have lost the 1st signature cards I submitted. After getting multiple requests saying "signature card required" and being on the phone for hours with their support team, I also find that they were not signed in the correct manner. So I assume not lost but they must have deleted them.

I would have given USAA a five-star review a month ago. We've used them for several years, car loan through them. Renters insurance through them, credit card through them. Personal loan through them. Everything had been fine. Nothing to complain about. Nothing amazing, but nothing to complain about. The past month, I have had them waste literal hours of my life, promise me A satisfactory conclusion of the interactions, more promises of satisfactory interactions only to be told on like the seventh call follow-up that there is absolutely nothing they can do, nothing they can override, and they don't care that I was lied to before.

I am going to be blunt. I have been with USAA for 16 years. In the last 4 years it has really declined. All business is primarily all online or telephone. Customer service representative are very nice and courteous. That's the first layer after that the specialized departments have very rude and indifferent individuals working for them. USAA will make mistakes, screw and take your money, sometimes without warning. They can completely in the wrong and will still take ten days to fix the problem, if at all. You know why USAA does this? Because they are a profit financial institution. The longer they hold your money the more interest and revenue their shareholders get every quarter.

For over 30 years personally & decades more if I include other family members have we been loyal USAA members. This is not the institution they once were. The BOD has abdicated their responsibility as has the entire executive staff. Bottom line they allowed $11,000 to be stolen from a hack. $9,950 wire & $1,000 on Zelle all at same time. The criminals knew exactly what they're doing. USAA contacted about the wire within minutes & we’re told that wire was not authorized. They never did anything about it, denied all culpability, claim they did an investigation.

Each time I call, USAA thanks me for being a member for 50 years. But, I've had some ups and downs with the banking employees. It appears to me that USAA banking is not interested in pursuing fraud. They are interested in preventing it. I called USAA three times this past week. On Monday I finally got thru the AI answering system to speak to a rep. Getting thru the AI app requires persistence. OMGosh! It seems to have been designed to help banking employees avoid customers. It certainly is not there for helping customers. If I had fraud to report, yes there is contact information. But, suspected fraud, or impending fraud, no. They are not interested. I explained over and over to the lady that I wanted to set up a seldom used account to accept deposits, but to reject withdrawals. Monday's help was totally NO help!

USAA erroneously added my personal banking account information from a third party banking account to another individual's USAA banking account. USAA is refusing to remove my banking information from the other individual's account and refusing to acknowledge the error. My personal bank account from a third party bank is now available for another individual to use without my consent. I cannot immediately close the third party account until every direct deposit and every outgoing bill pay is changed. If you've never had the pleasure of working with government pay accounts, the aforementioned will take months to complete. Just file a lawsuit if someone takes your money??? Ok, but who wants to spend more time and money doing that when USAA made the mistake?

I absolutely do not recommend banking with this institution. I have been a member for over 12 years, with no problems. Then, an absolute nightmare began on 5/13/24 and has continued to today’s date. I am currently in the process of closing all accounts with USAA and opened a new account at Navy FCU. I initiated a $50k wire transfer to a business account as an investment, to a major US Bank on 5/13/24. No problems, no questions. On 9/26/24 (over 4 months later) the other bank received notice from USAA to hold funds up to $50k from that business holders account citing possible fraud, which then severely impacted his ability to fund his payroll.

I added a car 11/4. Collision was dropped 12:01am 11/13. Letter to get photo inspection to keep collision received at home address after 5pm 11/12. Two calls to USAA yesterday for over an hour. The second rep was so rude and disrespectful, she absolutely should be fired. She insisted for over 45 minutes that I had agreed to digital letters. True. I agree. Then, insisted that I had the digital version of the 11/12 letter since 11/4.

Payroll check with 2 years of deposit history from same bank and being a member for 15 years, was held for a 10 day hold. Account wasn't negative either. Called 3 days after deposited on Veterans Day and was told check cleared, but they won't release the fund till the 10 days hold is up... This was the second call I made too.

If I could give zero stars I would! I recently made a mobile deposit on USAA app. When I realized that 1: most importantly it was endorsed wrong as it is a third-party check (yes they do allow you to deposit 3rd party checks) and for two that it was going to have a extremely long hold and we needed the money immediately and not 10 days later I called them to have them stop the deposit upon which I was met with, "There is nothing we can do" and a bunch of apologies. They tried to lift the "hold" on the check but of course that didn't work, so now it is just sitting there, and is going to be sent back anyway because of the wrong endorsement. I find it hard to believe there was nothing they could do for me so that I could get this addressed. Then again, why would they care? It's not their money and bills that are needing to be paid.

I was a member of USAA for 24 years, banking and insurance. When my kids turned 18 I wanted to add them to my account, so I started the process. We uploaded the required documents 3 times and called multiple times as well. Then, with no notification they closed my account, the one I had for 24 years. Because they ‘could not verify my kids identities’ even though they had youth accounts with USAA for about 8 years. I would have understood dropping my kids as users of the account, but to close it outright with no notification is beyond ridiculous! Not to mention every time we called about why their identity information was not acceptable no one ever could determine why and would just say ‘upload it again.’

I applied for an auto loan. USAA Bank failed to respond, other than a computer generated 24-48 hour response is their usual response time. After a week, and you call bank originator and they say under review.