Until my disability became so severe I could barely leave the house, this bank was good to me. I even worked for them for awhile. But once we lost our job and, for months, begged for some way to help pay or arrange our card, they turned a deaf ear. They only permitted contact by phone (ignored letters and refused e-mails) and the young folks on the phone sort of had an attitude of "sucks to be you." They no longer permit me to make deposits, but punish me when automatic withdrawals occur. I have to find a bank which does not hurt disabled veterans, with which I can work from home.
I took the bait when USAA sent me a offer of low credit card balance transfers, so I transferred my high rate cards. What I did not know is that after a short promotional period they would treat the balance as a cash advance, big bucks as we all know. I now pay more than before I transferred my balances! So I asked if I can pay off what they considered "cash advances" separate from my regular credit card balance, no! I take full blame for not getting out my microscope to read the entire journal (agreement) but, damn!
So, don't buy into all the "we help military personnel and their family's" crap. Your better off with Capitol One or other major credit card companies who don't go waving the American Flag while they give you a financial enema!
I became a USAA member when my Air Force Reserve recruiter recommended them to me. It seemed legit and I had a great experience with them for the first few years.
Then about three years ago, I had bill-pay setup and then they started retroactively bouncing my checks. When I called to complain, they said that the checks were drawn on the account on the day they went out, which completely defeats the purpose of automatic bill pay! I said " screw it" and cancelled my bill pay; I could pay my bills myself without the extra worry of USAA randomly changing bank policy just so they can get a few extra dollars from me in NSF fees. No muss, no fuss.
Then last year, I wrote a check to pay my rent while I was on TDY. I was already late when I paid it because USAA also had a new policy of retroactively bouncing physical checks that I would personally write and mail in to my leasing company two days early. I didn't make a stink about that, even though I hated that I couldn't trust them to do the right thing. But this time, I waited till I got paid, wrote the rent check on Friday (the same day I got paid) and went about my weekend. On Monday I got a call from the leasing company that I would be evicted if I didn't pay my rent. I checked my account and sure enough they bounced my check even though there was more than enough money to cover it. I called USAA and there was no explanation given. I demanded back the NSF fees and the $50.00 fee my leasing company charged. The lady I spoke to was nice enough to give me all that back, but the damage was already done.
If I can't trust you with literally the most valuable stuff I have: my money, then I want nothing to do with you. USAA made me look like a deadbeat to my leasing company and put a mark on my rental history.
If you value your credit and your money, you should steer far away from USAA. I have been telling everyone in my unit that USAA is a ticking time bomb waiting to blow up their lives. Run!