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+

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USAA Customer Review

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Mcgill's Profile Image

1 out of 5 marks

Reviewed by Mcgill

Apr 1st 2012

Really Bad Setup. It's Nuts To Join A Bank With No Local Branches.

They told me i could deposit checks by phone and acces the funds immediately, but now they hold them for five days. They lied.

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Other USAA Reviews

tivac's Profile Image

Reviewed by tivac

Dec 29th 2014

5 out of 5 marks

Cannot stress enough how great they are

I've been banking with USAA for years and never pass up an opportunity to praise them. Great customer service, great rates (on everything but savings accounts), and always a great experience.

Is this review helpful? ▲ Yes 1 ▼ No 1

anon0314's Profile Image

Reviewed by anon0314

Apr 21st 2015

1 out of 5 marks

OverDrafted my account twice in one week and Hung up on me

I have automatic insurance payments set up so when I checked my account on the 15th and didn't see any money taken out I decided to pay manually to avoid any late fees from them messing something up with the payments.

Turns out the payment went through, so last friday I talked to a representative who told me the money would be back in my account on monday. Monday rolls around and sure enough no money and my account is overdrafted because of this. I talk to another representative who waives the Over Draft charge and she tells me that the representative whom I spoke to on the phone on friday never put in my inquiry for the $142 to be put back into my account, that they had charged me twice for. So she tells me that it should only take a day or two and the money will be back in my account. Well sure enough, again, this morning Tuesday, April 21, I wake up to find my account over drafted AGAIN and no sign of the $142.

They decided to bill me for something as my account was already negative, causing another over draft. I attempt to talk to billing again and I got hung up on.

Called back and I asked to speak to a supervisor and was not granted this request (there was no supervisor around they said). So now I am told that I have to wait until Thursday for the money to be back into my account all the while my account is Over Drafted. I have no money and I'm about as upset and disgusted with this so called bank as one can imagine.

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