About USAA

Established in 1983, USAA Federal Savings Bank (FSB) and its two subsidiaries, USAA Savings Bank and USAA Relocation Services Inc., (the "Bank") provide a full range of financial products and services to the military community worldwide. The mutual insurance company serves more than 6 million member customers, primarily military personnel, military retirees, and their families. USAA's investment products, most checking and savings products, credit cards, life insurance.
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Overall Rating

MyBankTracker rated USAA based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B+

MyBankTracker Rating

Customer Rating
Based on 267 Reviews
Financial Health
Based on Texas Ratio: 8.07
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Most Helpful Customer Reviews

OttoOtto's Profile Image

Reviewed by OttoOtto

May 2nd 2015

5 out of 5 marks

Great place to keep my money

They keep things Simple, I've been a happy member for years. I don't understand how less banks have better banktracker ratings.

Is this review helpful? ▲ Yes 1 ▼ No 0

Meliss's Profile Image

Reviewed by Meliss

Jun 19th 2014

5 out of 5 marks

Switched to USAA

After I got married, my husband and I discussed our finances. One of the questions that we asked ourselves was do we have a joint or a separate bank account. We decided that our household income would be in a joint account, but we would have a separate account for our individual savings. My husband recommend that we use his bank, USAA, for our joint account. I agreed to switch to USAA. My husband added me to his account and my paychecks where deposited directly in our account, however I still maintained a separate account with a local credit union.

USAA in my opinion is the best bank for one's banking needs. No minimum balance, free checking, thousands of preferred ATMs for free and if you use another banks ATM you get a refund, mobile deposits, manage accounts online, and overdraft and international transactions are the lowest compared to other national banks.

USAA is competitive in their rates with items such as: mortgage, auto loans, and credit cards. Also, they offer a special APR during deployment. USAA provides finical advice for retirement needs, insurance, and shopping discounts with participating business.

Another reason for this high review is because USAA gives extra advantages opposed to other leading banks like offering a vehicle storage discount for deployed soldiers, covering military uniforms under their insurance plans, and providing health insurance plans.

These special bonuses is what makes USAA the best bank and no other bank can compare.

Is this review helpful? ▲ Yes 3 ▼ No 2

davidenderson's Profile Image

Reviewed by davidenderson

Jun 27th 2014

5 out of 5 marks

Great rates and lots of extras

All the complaints I read always seem to be with deposits or lack of and auto pay when your account won't cover. I understand the frustration but it is the customers fault almost every time.

Is this review helpful? ▲ Yes 2 ▼ No 2

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Savings

0.20%

$10,000

$25

Savings

0.20%

$25,000

$25

Savings

0.10%

$0

$25

Savings

0.15%

$5,000

$25

NAME RATE (APY) MIN TO EARN APY Min Deposit
Free Checking

0.00%

$0

$0

TERM RATE (APY) Min Deposit
12 Month CD

0.71%

$1,000

18 Month CD

0.76%

$1,000

24 Month CD

0.81%

$1,000

36 Month CD

0.91%

$1,000

48 Month CD

0.95%

$1,000

60 Month CD

1.06%

$1,000

TERM RATE (APY) Min Deposit
12 Month CD

0.76%

$95,000

18 Month CD

0.81%

$95,000

TERM RATE (APY) Min Deposit
12 Month CD

0.71%

$250

24 Month CD

0.81%

$250

36 Month CD

0.91%

$250

48 Month CD

0.95%

$250

60 Month CD

1.06%

$250

Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$7

Non-Sufficient Fund (Overdraft)

$29

$30

Stop Payment item

$29

$27

Return Deposit

$5

$13

Domestic Wire Transfer (Outbound)

$20

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$2

No-fee on first 10 transactions

$1