USAA Federal Savings Bank Checking Account Reviews

  • 4.59 / based on 1 Review | Submit Your Review
    Satisfaction
    Application
    Interest Rates
    Fees
    Service
  • Company Details

    Assets: $75,057,788
    Year Established: 1952
    Type: Bank
    FDIC Certificate #: 32188


    Company Reviews (20)

  • 0 of 0 people found the following review helpful.

    This bank has met my expectations for functional purposes and exceeded my expectations for customer service., October, 2016

    The accounts I have at this bank were opened a little more than a year ago. When my family situation changed and I had to move, I began using these accounts more actively. Everything about my life changed about a year ago, including my address, my name, etc. When basic identification information changes, the financial institutions that one does business with have to be alerted in order to maintain access to the accounts. I called the bank to change this information and was very surprised at how easy it was. Everyone I have spoken to has remained friendly and professional. It was a stark contrast to the experiences I had with the Department of Motor Vehicles. Beyond the time when I had to deal with that upheaval, I have also really enjoyed having access to my accounts via the mobile web app. I can deposit checks using my phone, which is extremely convenient since there isn't any physical location near my home where I can accomplish that easily.

    • Checking
    • Henderson, NV
    • 44 Year Old Female
    • Customer for 1 - 2 Years
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  • 0 of 0 people found the following review helpful.

    Great with Customer service., October, 2016

    This bank is pretty amazing in my book there are a pretty large bank but treat you like a small bank would.Just last week I had a issue with someone charging me way to much I called the bank they fixed it that day and where so very nice about it.The only down fall with this bank is that they have no locations so you really need to make sure you are ok with that you can make deposits at any UPS store and you can with draw for free at any bank ATM plus another great thing is they didn't charge me anything for checks.This is a milarty base bank I am not in the service but my dad was so I get all the benefits from that witch is a lot.I think people really would like this bank if you give then a shot and try it out.I have only had great experience with them.

    • Checking
    • Cumming, GA
    • 39 Year Old Male
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    Outstanding., October, 2016

    Even when USAA has shortcomings when it comes to their interest rates or any other area that might make you want to shy away their outstanding customer service is what draws you back. I would happily pay a couple extra interest points or have one less on a savings account and be able to deal with USAA than any other bank. They are able to assist you with almost anything that you could need from car insurance to large business loans. Their online tools are comprehensive and easy to use from mortgage rate calculator or able to take out policies online easily and quickly. Overall i have been incredible happy and satisfied with USAA and hope to continue to use them for all y need in the future for as long as I can.

    • Checking
    • Canton, OH
    • 36 Year Old Male
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    I truly couldn't be happier., November, 2016

    At a time whenever I could not get another checking account, other than from another online banking institution with a failing business model, USAA Federal Savings Bank willingly gave me a checking account and a savings. Ever since then, I have used a variety of their services for all manner of things, including improving my credit score (which used to be absolutely terrible). Their fees are almost non-existent in my experience and they have agreements with other banks nationwide so there are no ATM fees with you withdraw cash. Plus, even if a fee is assessed on a cash withdrawal, USAA returns fifteen dollars of those fees each month, deposited directly into my checking account. I truly could not be happier with my banking experience through USAA; they are much better than any other bank the I have used.

    • Checking
    • Wexford, PA
    • 33 Year Old Male
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    They are always willing to help., November, 2016

    They offered me a discount on my car insurance for opening the checking account. Anytime I have had an issue with my account they have always been helpful. The only complaint I really have is that sometimes they put a long hold on checks deposited. There have been times when I've had to wait 10 days for a federal tax return check to be released to me. One of my favorite things about this bank is that they release funds direct deposited one day early. So my husband who is supposed to be paid on monday will actually get the check on friday. They are very generous reversing any fees that you can incurred as long as it is not a regular thing. I enjoy being able to call at anytime and not be connected to a foreign call center.

    • Checking
    • Kalamazoo, MI
    • 31 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    I have had no major issues with this bank., November, 2016

    In my experience this bank is quite excellent. I enjoy the use of the mobile app provided by the bank to deposit checks, pay bills, and check my balance. I have not had any major issues with this bank since I opened my account. I joined this bank because they service veterans and their families and also active military. I am a veteran and I wanted to join for the recognition that they give to service members. I have not had any regrets so far. This bank has also helped me with identity theft issues as well. On two occasions in the last five years or so I have had mysterious charges on my debit card that they bank has caught and shut my card down for. I really appreciate the bank looking out for me.

    • Checking
    • Charlotte, NC
    • 47 Year Old Female
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    I have had nothing but pleasant experiences with USAA., December, 2016

    I have been a customer of USAA since I was young. My father was in the Navy, and therefore my family qualified to use their services. I started with insurance policies, and have grown to include home, auto, and life coverage. I added banking accounts to my USAA portfolio once I became an adult. I have had nothing but pleasant experiences with this. I am happy with the rates I receive, the ease of completing transactions, the bill pay options available, and the outstanding customer service I receive. Despite not having physical locations I can go to, I find that I am never unable to receive the services I need. One example is the policy that customer's are able to use any ATM machine of their choosing, and whatever fees are assessed are refunded. Overall, I am thrilled with this bank and recommend them to anyone who is eligible.

    • Checking
    • Elkhorn, WI
    • 39 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    My experience has been great, I have no complaints., December, 2016

    USAA has great customer service. They have extended hours and you can typically talk to someone beyond the typical 8-5. They reimburse ATM fees, which is nice so you don't have to search around town for a USAA atm. Their online banking and mobile app are easy to use. My only complaint would be that I wish there were more brick and mortar locations. I don't have one in my town so I have never visited one. I do all my banking online. But sometimes it is a little inconvenient when you have cash that you would like to deposit. But I rather only have that small problem then bank with someone else. It's great with direct deposit and mobile deposit typically is available immediately. So they don't hold your money hostage like other banks.

    • Checking
    • Houston, TX
    • 35 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    My overall experience has been very positive., December, 2016

    I started with them on my auto insurance and decided last summer to finally consolidate all my accounts with USAA. They made the process very easy and helped out all along the way. The checking account reimburses up to ten non-network ATM fees per month, which is great. I have also had a great experience with their website and mobile app. Both are very user friendly and offer a great snapshot of all your accounts at once and where you stand with the amounts owed versus what you have in your accounts. The car insurance they offer is also great, the rates are significantly lower than Progressive, which I was using previously. The claims process is also very easy and straightforward. Overall, USAA is very customer focused and goes out of their way to make your experience pleasant.

    • Checking
    • Chicago, IL
    • 41 Year Old Male
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    nOTHING BUT PROFESSIONAL AND EXCELLENT PEOPLE, December, 2016

    I CHOSE THIS BANK BECAUSE I REALLY NEEDED SOMETHING NEW AFTER HAVING MY CARD INFO STOLEN WHILE I WAS WITH BANK OF AMERICA OVERSEAS. THEY COULD NOT CATCH THE FRAUDULENT CHARGES AND CANCELLED MY CARD WHILE OVERSEAS. I WAS NOT A HAPPY CAMPER. I ORDERED A NEW CARD AND ALSO SIGNED UP FOR USA THE VERY SAME DAY AND I RECEIVED THE USAA CARD IN JUST A COUPLE OF DAYS WHICH WAS INSANE. I WAS WAITING WEEKS FOR MY BANK OF AMERICA CARD WHICH WASN'T A SURPRISE BECAUSE THEY ARE AN AWFUL COMPANY TO WORK WITH. I WILL NEVER TAKE MY BUSINESS TO ANOTHER BIG BANK AGAIN ESPECIALLY KNOWING THAT THEY USE MY MONEY AND BASICALLY GAMBLE WITH IT AND HAVE NO CONSEQUENCES FOR DOING SO. I LIKE HAVING A SMALL BANK OVERALL.

    • Checking
    • Westfield, NC
    • 25 Year Old Male
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    This bank has been a pleasure to work with., January, 2017

    We decided to open this account after we got married, to have a joint bank account besides our personal accounts. We are currently using this account to keep our emergency funds and funds for our future baby. This bank was recommended to us by many of my husband's military co-workers. This is the only bank I know of that offers ATM use nationwide for no fee. There are no monthly service fees for the checking account, which is a plus. The signup process was a bit troublesome, mainly due to a problem on their systems that they were having at the time. The person assisting us on the phone was very friendly and sincere about it, so we didn't have too many complaints about that. So far, there has been no major issues with this bank, and we're happy with their services.

    • Checking
    • Lawndale, CA
    • 32 Year Old Female
    • Customer for 1 - 2 Years
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  • 0 of 0 people found the following review helpful.

    best banking experience ever., January, 2017

    There are many things i love about usaa. I can deposit checks to my bank account directly from my phone. their mobile app is really easy to use and with my iphone i can log in with my finger print. While I dont have any local branches to goto i really dont need any. i can do everything from my phone or computer and if i need to deposite cash I can goto a ups store and do it there. I get up to 5 atm fee rebates a month. I normally just use a atm that dosnt charge a feee but if I do use one that charges I get a credit for the fee at the end of the month. You do not need to be a military member to have a usaa account but it does give you some extra perks if you are

    • Checking
    • Pennington, NJ
    • 33 Year Old Male
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    Overall it has been a great experience., January, 2017

    My parents started me at this bank when I was young. Even though I'm not military, I'm able to bank with them because my dad's a member. Over the years, I also belonged to a couple other banks. It was a few years I decided to make USAA my main bank due to a few reasons. My husband travels due to his job. With USAA, we are reimbursed for up to 6 withdrawal fees from other banks. This has been really convenient when we need to withdrawal money because we can go to any bank we want. Even though other banks also have this feature, I really like how I can deposit my checks on my phone. I really like that it posts to my account right away without even leaving my house. Another huge benefit that I love is that paychecks are deposited a day earlier. I also have credit cards with USAA and their rates are the best I've seen. The only negative thing for me is that the interest rate for the savings accounts are really low. Even though I have savings account with them, I keep most of my savings in other banks with better interest rates.

    • Checking
    • Lynnwood, WA
    • 33 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    Overall, my experience with this bank has been disappointing., January, 2017

    As Treasurer of the PTO at my son's school, I have had multiple contacts with this credit union. Initially we were very glad to use them, and they provided generous sponsorship. They were attentive and helpful. Over the past two years their quality of service has deteriorated to the point where we are in the process of looking into changing banks. The following are example of the problems we have had: 1) making deposits is painfully slow and, on more than one occasion the bank has missed entering check information, then been unable to locate the check they missed entering; 2) obtaining accurate information from the local branch when we needed help; and 3) when we had a fraud problem with our debit card they seemed to struggle with how to properly address the issue, rather than responding pro-actively.

    • Checking
    • Madison, MS
    • 52 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    Very professional and courteous., January, 2017

    This bank is only available to military members and their dependents and as such they are able to offer very competitive insurance and banking options. They refund all out of network ATM fees. They do not have many branch locations at all however and this can be inconvenient. Though most of my income is direct deposit, I occasionally receive paper checks and depositing these checks was a problem until USAA implemented an option to deposit checks via their mobile banking app. Because of this I have absolutely no issues with the bank. Each time I call, they either address me by my former rank in the military or at the very least by a civilian salutation. They are very courteous. I would be happy if their customer service hours were extended to 24 hours a day but I don't see this happening anytime soon.

    • Checking
    • Burgaw, NC
    • 34 Year Old Male
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    great customer service and products, January, 2017

    Although the bank does not have a physical location in South Carolina it has been by far the best financial institution I have dealt with. The provide a number of fee free withdrawals from any atm and there are also three unlimited use atms less than a mile from my residence. When you contact this bank you are meat with a automated system, however if you choose to speak with a representative you spend very little time on hold. The people you speak with a are cheerful and very helpful. On the weekend, holidays and after hours you will not be able to speak with a representative, which some may not like, but I like the small business feel. Overall my experience has been excellent with USAA. I would not change banks at this time.

    • Checking
    • Summerville, SC
    • 40 Year Old Male
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    USAA is an excellent company all around and their banking branch is no exception., April, 2017

    USAA started off as an insurance company for US military, and grew to offer a number of other services as well including banking. I use a number of their products including a checking account, a savings account, Certificate of Deposit accounts, home insurance, life insurance and car insurance. Their CDs offer competitive rates and variable terms and if you need the money out of your CD in case of an emergency, there isn't a huge penalty either. They offer competitive rates for auto and home loans, and have a ZERO APR credit card available to transfer charges to so you can save yourself interest rate charges on other cars. Even the interest rate is lower than most credit cards after the zero percent period expires. Because the bank doesn't have physical locations they were among the first banks offering innovative check photo scan technology where you can take a photo of your check with your smartphone and upload it to your account. The bank also offers a lot of great spending and saving tracking tools to help you stay on track. I love it.

    • Checking
    • Birmingham, AL
    • 50 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    My experience has been great., May, 2017

    I love using USAA bank. They have excelent customer service and never try and sell product. I have never had a problem when using the bank here. I would definitely recommend it to a friend or relative. I feel my money and personal information is very secure with USAA. I think they value costumer loyalty. We also have other products with USAA that we receive a discount on because we bank there as well. They provide many services that other places would charge for such as financial advice. I also enjoy that they seem to keep up with the latest technologyc such as having a great mobile ability with the ability to deposit checks from my phone. Even though they do not offer physical locations I do not feel this has been a problem.

    • Checking
    • Brandon, FL
    • 30 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    It's been great, they really cater to customers needs., June, 2017

    The customer service at this bank is enough to make me stay no matter what. Their employees are always professional and don't make it seem like a burden when you call with questions or concerns. In general, I'm very satisfied what they offer us as customers. My husband and I got our home loan through them and it has been nothing but a pleasant experience. Last year I lost my debit card and had fraudulent charges and they were great throughout the whole process and told me about different option they offer to protect me against future fraudulent charges. My new card they issued me got to me very quickly. Overall, I've had nothing but an awesome experience with this bank. I recommend them to any friends or family that are eligible to join.

    • Checking
    • Cary, NC
    • 28 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    USAA has been really great to me, with nice incentives and low fees., July, 2017

    I found USAA when my former bank Chase started introducing fees to its fee-free checking. USAA primarily serves military but was accepting applications from everyone at the time. The ability to use any ATM to withdraw money without fees was great and there was no minimum balance required for its basic checking. It was exactly what I was looking for in a bank. I didn't want to have to worry about whether I was going to get charged every time I made any sort of transaction. Customer service has been very friendly and helpful when I've had issues with the account. I was able to get replacement checks easily. The only drawback that I've experienced so far is that there are relatively few locations to do banking in person, and it's hard to deposit cash since that can't be done on a mobile device or at non-USAA ATMs.

    • Checking
    • Hayward, CA
    • 37 Year Old Male
    • Customer for 3 - 5 Years
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