USAA is an incredible banking service. Besides the competitive interest rates and basic security, the customer service is impeccable. I have not once in 13 years spoken with anyone who has been less than incredibly courteous and kind.
I have been a customer of USAA for 10 years and have always received great service. However, recently I made a deposit of a check that I wasn't sure was good. Despite this I made several calls to customer service to see if the funds had cleared and been verified. On the 6th day after the deposit I called again and was told that the funds had cleared and had been verified. Based on this information I made a transaction using some of the funds from the deposited check. Well, the check bounced the very next day. USAA charged me a fee and took the money from the account. Charging me a fee, fine I get that, but I only used some of the money AFTER contacting customer service. I trusted the information I was given and it has cost me. After several weeks of getting the run around from the executive resolution department I was told that the bank wasn't going to do anything to correct this situation. The rep I spoke with said the other resolution team members should not have led me to believe this would be taken care of and will be "counseled". I have never had a reason to believe that information given to me from customer service representatives isn't accurate. Now I know, you can't trust anything and that USAA will not stand behind their customers when customer service representatives give them wrong information. The entire situation has been an expensive pill to swallow.
They call you a member. I was a "member" for 15 years until the housing market bottomed out. Once I was in a little trouble they cut me off from their web site from all of my accounts with them and were as rude as can be. I did not miss a payment or bounce a check fro 15 years and now this.
|Non-Sufficient Fund (Overdraft)||$29||$30|
|Stop Payment item||$29||$27|
|Domestic Wire Transfer (Outbound)||$20||$22|
|Domestic Wire Transfer (Inbound)||$0||$9|
No-fee on first 10 transactions