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 Grade

B+
Customer Rating
Based on 260 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

Customer Reviews

Most Helpful Customer Reviews

sarah r's Profile Image

Reviewed by sarah r

Jul 15th 2008

5 out of 5 marks

customer service

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.

Is this review helpful? ▲ Yes 10 ▼ No 3

Deborah S's Profile Image

Reviewed by Deborah S

Oct 1st 2009

2 out of 5 marks

Great Service UNTIL you get inaccurate information.....

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.

Is this review helpful? ▲ Yes 9 ▼ No 2

Tyler D's Profile Image

Reviewed by Tyler D

Oct 24th 2009

1 out of 5 marks

I've had huge issues

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.

Is this review helpful? ▲ Yes 5 ▼ No 2

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Bank Rates

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

0.10%

$0

$25

Savings

0.15%

$5,000

$25

Savings

0.20%

$25,000

$25

Savings

0.20%

$10,000

$25

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

0.00%

$0

$0

NAME RATE POINTS FEES
30 Year Fixed

4.00%

0.375

N/A

15 Year Fixed

3.125%

0.125

N/A

NAME RATE POINTS FEES
5/1 ARM

3.00%

0

N/A

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

0.76%

$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