USAA

Pros: Excellent service, highly convenient, doesn't cost me a cent.
Cons: Unfortunately, if you're not already a customer, chances are you're not eligible.

How do you feel about your bank? I love mine. Not everyone is eligible for USAA's services. But if you are eligible, you'd be crazy not to use them. There's a misconception out there about eligibility for USAA membership. Many people seem to think ...

Pros: I could go on and on
Cons: Military only for the insurance

USAA is the best bank I’ve had the pleasure to come across. I’ve been with them for six years, and do not foresee ever changing financial institutions again.

Auto Insurance: I started with USAA automobile insurance. Not only were the...

Pros: Numerous money saving offers.  Great Financial Products.  Inexpensive Insurance.  Excellent Customer Service.   User-Friendly Website.
Cons: None.

I was a member of USAA back in the 1980s.  I have returned to USAA for investment services over the past several years, as well as maintaining an automobile policy and home owner's insurance with them.  USAA Auto Policies fall under a separate ...

Pros: Low cost, exceptional service, and financially strong.
Cons: You need some military connection for the insurance.

Why I Write This

This is the 100th review I have posted on Epinions.com. That makes it a bit special, at least to me. I wanted to write about something special, a topic I could recommend without reservation. Normally, I avoid posting...

Pros: Excellent customer service
Cons: Must mail deposits.

If you are looking for a bank who treats you like your business matters, you need look no further than USAA. Even my hometown bank (the very one that employed me) could not touch the service that I received from my "long distance" bank.
...

Pros: Quality of services and staff, price, Realtime website updates for debit transactions.
Cons: No automatic updates of transaction entries from USAA's Web BillPay website into Quicken.

Along with all of the other positive comments that have been made here regarding their banking, credit cards, auto insurance, auto loans, etc. which I agree with, the only two other items I can add is that the quality of their services and people has ...

Pros: Bank can control every facet of your spending and saving
Cons: customer service is slacking, and if they have everything of yours- why try harder?

I can no longer agree with other Epinioneers, who extol the virtues of USAA. We have been with them for fifteen years, and have seen an alarming erosion in customer service in just about the last five years. Their interest in their patrons seems to have ...

Pros: Multiple account types available and easily accessed
Cons: Relies on on-line banking

I first was introduced to USAA as an insurance company. I was living in Massachusetts at the time where insurance rates are set by the commonwealth with no price competition among companies. USAA was able to circumvent the commonwealth’s laws by ...

Pros: Competitive rates, decent coverage.
Cons: Poor customer service.

I know I'm likely to encounter a whirl of disagreement by writing a negative review of this beloved insurance company but, after years of experience, I think their customer service has really slipped. My wife has been a member of USAA for more than 15 ...

Pros: Many services, great customer service, GLOBAL!
Cons: Web site can be a little clunky

I have been a member of USAA for more years than I care to count, and I think I have used (or still do) just about every possible product they offer. I noticed that they have modified products and services a bit since the last epinions review I saw on ...

Pros: Great rates, great offerings, great customer service.
Cons: Homeowner's Insurance process was cumbersome and I ultimately didn't complete.

I think at one time I probably would have sworn that I'd never leave Wells Fargo. I ended up making the switch to USAA in Sept. 2006, not for anything Wells Fargo did, but for what USAA did and what it did better than Wells Fargo. I had been growing ...

Pros: Excellent Service, free accounts, low opening minimums, useful simple website
Cons: Data on the website updates only nightly

You do not have to be a member of the armed forces or related to a member in order to bank with USAA. USAA Federal Savings Bank is open to all civilians.

As a military dependent I've had a relationship with USAA for about 12 years. It started...

Pros: user friendly, great service
Cons: Have to mail in deposits

USAA banking services are great because they are and cheap. For the price, you do have to give up some of the conveniences of using your local bank- including not being able to visit a teller (but who does this anymore?), and having to make all deposits...

Pros: Low fees, balances and good rates
Cons: Local branches unknown to me

I've been a member of USAA since I've needed auto insurance. It was while calling my insurance about the blue book value of my car that I learned there was a bank called USAA Federal Savings Bank. At that point, they pre-approved my auto loan and I've...

Pros: Few fees, ATM rebates, outstanding service.
Cons: There isn't a branch locally.

I began my "banking experience" with USAA by opening both checking and savings accounts. The fact that no matter where or how often I move, I can take the same account with me is what initially attracted me to USAA, and the price was...

Pros: Awesome Customer Service
Cons: NONE

I have done some business with USAA, and knew that they were good, but a recent event made me believe that they have one of the best customer service programs going. Let me explain:

My wife received a phone call that her grandfather was in the...

Pros: great customer service, no or very low fees
Cons: interest rates could be higher

I have to confess, I am biased because I worked at USAA for six months while waiting to start school again. At the time I started working there, I was banking with one of their major banking competitors (Bank of America Military Bank - formerly Fort Sam...

Pros: Pays you to use debit card, top-notch customer service, very few catches, can bank anywhere
Cons: Hard to bank in-person, military affiliation required, online bill payment restrictions

Right now, the banking market is very competitive. Almost every bank offers free checking and other perks to attempt to lure customers. However, there is almost always a catch. That catch can range from a minimum balance or direct deposit requirement ...

Pros: fast, friendly, helpful people that know what they are doing
Cons: None that I can find.

I have been a member of USAA for over 12 year and have discovered that they are the best around. I first used USAA when I was in college, in the ROTC, and needed to get insurance for my car. Little did I know what a great institution this was.
...

Pros: Offer a wide variety of services.
Cons: None.

My husband and I switched to USAA when we left Georgia. We wanted a bank that would be able to 'move' with us, so we asked around, and a friend recommended USAA.
We have our homeowners insurance, renters insurance, auto insurance, checking...

Pros: Easy to use, portable
Cons: Cannot physically visit bank unless in San Antonio

Once we became members of USAA through our insurance, we decided to switch our banks, too. The incentive that they offered to start up with their banking services was ideal. When you opened a checking account and started Direct Deposit of your pay into...

Pros: You don't need a local branch
Cons: Not many local branches

Being an armed service member for over 12 years, I have had my share of banks. Some good, some bad, but none of them have come close to USAA. This bank has, and does it all. A friend recommended it to me because they pioneered on-line bill pay and...

Pros: A lot of services provided, 24 touchline service...Rebates on ATM and Debit purchases
Cons: Only one location..can't go to the bank unless you live where it's office is

After my husband and I left Fort Hood, Tx. we lost our privilages with the bank there on post. We choose USAA to bank with, since we already were using them for automobile insurance, and we have a visa credit card with them also. Choosing to bank with...

Pros: Awesome banking services, friendly customer service, online banking
Cons: Have to mail in deposits

My husband and I have used USAA for all our banking and insurance needs for the past 5 years. Unfortunately people with no military affiliation may only use USAA’s banking services, not the insurance. USAA offers a wide variety of services, and so far...

Pros: Great service, good products
Cons: None found yet

After reading many of the reviews on USAA Federal Savings Bank, I decided to call them and find out what they have to offer. I was so impressed that I signed up for an account.

The number I had for USAA ended up being for USAA Online Services...

Pros: Still the lowest rates in the country
Cons: If you actually need their service, they're not there to help you.

I have this date (04/20/00) cancelled my USAA policy after 13 years of auto insurance with them. Until a few months ago, I would have recommended them to anybody; however, recent events have shown me that the company is obviously not out to help...

Pros: To many to list! But competitive pricing!
Cons: For Military personnel or a family member

Who knew that something good would come out of my father being in the military? USAA has everything and when I say everything, I mean it. You can get your car insurance, life insurance, do your banking, take out a loan, invest money, get a credit card...

Pros: automated phone system, good interest rate
Cons: i'd still like the extra security of a local branch

I'd like to admit my bias freely. My family has banked with USAA for over five years. However, I didn't like the idea of having to mail in deposits, so I took up with a local bank to make things easier. Things were a bit simpler, but the twelve dollar...

Pros: Everything
Cons: none

I have lived in allot of places and with that comes allot of different banks. USAA is the best bank I have ever dealt with. I have never been disappointed with their services. The level of professionalism of all of their employees is tops. We started...

Pros: You name it. USAA offers everything. For free. Period.
Cons: No local offices outside of TX

USAA is by far the best bank in the country! That's my opinion anyway - but hey, that's what you're to read. I have never dealt with any company more customer service oriented than USAA. Note: I didn't write bank - I wrote company.

...

Pros: Offered services, customer service, prices
Cons: Only offered to members of the armed forces

I never thought I would want to write about a banking service....but I have to tell you just how happy I am with USAA. A while back, I decided to invest in renter's insurance to protect myself against theft, damage, etc...I called around and...

Pros: "User Friendly", ATM Fee Refunds
Cons: Possible Membership Requirements

USAA Federal Bank has been an island of sanity within the insane world of today's banking environment. Headquartered in San Antonio, TX, the bank is extremely flexible to it's customer's needs.

Throughout an almost 20 year career in the US...

Pros: EVERYTHING
Cons: none.

USAA is simply the best. I have been with USAA for over 13 years. In that time, I have found the service representatives to be knowledgeable and efficient. They are always willing and able to assist in any way possible. They demonstrate a tremendous...

Pros: One stop shopping, Great Service and Rates
Cons: Military only for some services

I have been a member of USAA for about 3 years now and I have been converted. My father-in-law is still an employee of the military and this allowed his daughter (my wife) to receive all of their services. For us, this includes our mortgage, savings ...

Pros: Bonus interest rates. No need to switch banks when you move.
Cons: Mail in deposits. Web site needs work.

After living in 5 different states in just 8 years, I got tired of having to switch banks with every move, not to mention trying to find one that fit all of my needs. With USAA Federal Savings Bank I found everything that I was looking for and saved...

Pros: Yes - their auto and their internet banking is top notch
Cons: Horrible customer service, don't bank at USAA.

I have been a member since 1994. I also worked for USAA at one point. I have a checking and two savings with the bank. I have auto, homeowners, and life insurance with the company. Their customer service has gone downhill. When you live somewhere other ...

Pros: Great hometown feel and EXCELLENT service
Cons: None so far.

USAA has been my bank for about 4 years now. I also had them for auto insurance for about 16 years. I never knew they had a banking service back when I used them for auto insurance . . . if I only knew then what I know now. I use USAA for checking, ...

Pros: Customer service, diverse services, rebates.
Cons: exclusive membership, rates are not always competitive.

Usaa has been my exclusive provider of all financial services since I graduated college in May 2000. I have used their services for a car loan, savings and checking accounts, car insurance, and a credit card. I attained membership via my grandfather who ...

Pros: Competitive rates, high quality service, online banking
Cons: Open to members of the military and their dependents

USAA never ceases to surprise me with excellent service and competitive rates! As a licensed insurance agent, I can also wholeheartedly recommend their auto and home insurance policies.

Even though we take care of our financial and insurance...

Pros: If you want to get it all one place, I guess this could do.
Cons: Horrible customer service, horrible customer service, horrible customer service!!!

Just because you have a website doesn't mean that you don't have to serve your customers any more. Someone needs to get this message to USAA. We've been having our own set of problems with lack of customer service in the insurance area... but we've ...

Pros: Encompasses all your needs
Cons: I can't think of even one

I used to be considered a military dependent, so it was easy for me to default to USAA for my auto insurance needs when I got my first car. Since opening up that first account; however, I've invested with USAA, I've banked with USAA, and I still use ...

Pros: Superb value, free checks, ATM refunds, debit card refunds
Cons: Mail-in deposits (but this review tells how to get around them)

There are already many reviews on here extolling the virtues of USAA's services. They've done a thorough job, and there have been no major changes since the last review. So I'm going to use mine to offer a helpful hint that may not have occurred to ...

Pros: fast, accurate, courteous service; accessible; affordable; online banking; reimburses service fees charged by other banks
Cons: no actual bank for directly depositing your money

I became a member of USAA through my father who had been in the Air Force many years ago and therefore was eligible to be a USAA member. I had USAA for my car and renter's insurance for a few years before I signed up to use their bank. I chose USAA as my...

Pros: Good insurance
Cons: Don't trust them as my main bank or for ANY investments or Road side Assistance.

I use another bank for my military direct depost to go into. Then I sent a chunk of change every month to my USAA checking account so I can get the 10% discount off my USAA auto, home and renters insurance when they remove their money automatically from ...

Pros: The first two months are good.
Cons: USAA froze my checking account.

Last year, I opened a USAA checking account, based on the company's reputation. Because I normally deposit several, high-dollar checks every month, I warned the bank in advance. A USAA manager said that it would be "no problem." It was "no problem" ...

Pros: Paid ATM fees world-wide, Debit card rebates, pre-paid deposit envelopes, just to name a few!
Cons: If you want to make a same day deposit, you'd better be in San Antonio

I use USAA for car, rental and floater insurance, car loans, checking and savings account, credit card, online bill pay, and flower delivery. I have never been anything but thrilled with them. Before I got married, I was using USAA and when I married...

Pros: networked firm allows one-stop money management
Cons: none, ever!

This is the best banking outfit around. I have a checking account, savings account, IRA, mutual funds, credit cards, and property and auto insurance with this firm and I cannot think of one negative thing to write after 3 years of great service. (and...

Pros: No Fee Checking, Online Services, Customer Support
Cons: Lack of Local Branch

USAA is quite simply the best bank, especially for military members as myself. I saw an advertisement for USAA in Army Times, I had been thinking of changing banks as mine was in Rhode Island and I was living in North Carolina.
From the time I...

Pros: Great customer service, low fees, a bank for all your needs.
Cons: no local branches, but thats okay they refund any ATM fees !

I absolutely love USAA Bank! I have had so many banks in the past I can't count them , and have always been disappointed somehow. I finally heard of USAA and signed up with them , for opening a savings and checking account ( no minimum deposit...

Pros: Customer service is helpful, no minimum balance, 10 free ATM withdrawls/month
Cons: Website sometimes takes a little long to load

I have been with USAA for 6 months and I have been very pleased with the customer service. I applied for my first credit card through USAA and I must say they gave a college student like myself with no credit history a limit of $1,500. That's about 3-5...

Pros: - Helpful customer service - Rate matching - 1-stop shopping for all banking needs
Cons: Website can be confusing to find special programs

Hands down the best insurance and bank around. I started with Auto Insurance after Geico rose their prices to an almost unaffordable rate (admittedly was a result of a ticket and accident). Looking around I though cheaper insurance would be impossible ...

Pros: Great customer service, Best interest rates
Cons: None

I have been a member of USAA since 1981 when my (now ex) husband graduated from flight school - warrant officer. I kept USAA when we divorced and I've never regretted it. After remarrying, it was painless to add my new husband as a member. Once our ...

Pros: Service, Options, Size
Cons: No local Branches

I am a new Air Force Officer, so after school, I needed to make a lot of decisions on money and finance. I had heard quite a bit about USAA, so I started asking questions and seeing what services were offered. Let me just say that I was extremely...

Pros: easy, efficient, good rates, annual money back
Cons: money back is not a guarantee but if and when it is, it would be nice to know how it works

I am employed with a repair shop that deals with accidents and many insurance companies. I am a USAA member and have been one for 5 years now. Being prior military, I found out about a company that is there to help the military community in their auto...

Pros: An institution that seems to actually care about their customers.
Cons: No local branch offices.

I have been a member of USAA since 1998 and have very few negative things to say; an amazing thing considering my luck with banks. I've had a total of seven banks in throughout my life, and all the good things put together from these seven doesn't equal...

Pros: Great customer service, no ATM fees
Cons: None! (at least for my wife and I)

My wife and I have banked by mail and phone with USAA for over 3 years now. We highly recommend this bank. Their customer service representatives are friendly and knowledgeable about their products. We have both a checking account and savings account....

Pros: excellent customer service
Cons: wish they had a local branch

I will admit, we priced our car insurance thru USAA and they were slightly higher than the "cheapest" quote we found...so we passed on their insurance...One year later we decided to give USAA a chance as all our friends said they are the best....

Pros: Willingness to go the extra mile for customers.
Cons: Nothing that I have experienced.

I've been a USAA member for going on three years. At first, I started off with simple banking: checking and savings account, because I was stationed overseas and needed a bank that could deal with that situation. Last year, my mother died ...

Pros: ATM REBATES, No fees, Interest paid
Cons: No brick and morter bank

I have been a USAA member for many years, because of my father's service in the army. I know this company very well and can honestly say it is top notch. The checking account offers several advantages you won't find anywhere else that SAVE YOU...

Pros: great web interface - complete with applications for different accounts, reimbursement for non-USAA ATM charges, limited service fees
Cons: deposits must either be direct or mailed in if you don't have a local branch

I decided to sign up with USAA's banking services after using them for car insurance ... and after my previous bank -- part of a large American chain -- started charging more fees than services offered.

USAA Banking has been great for me. I...

Pros: Good customer service, no fees, free ATM withdrawls, free checking
Cons: There are no "walk in" branches in South Carolina

I'm currently in the USAF. This makes banking difficult because I am constantly moving states. Before discovering USAA, everytime I moved, I'd close the old acct and open a new one in the local area. That gets to be a big pain, not to mention the fact...

Pros: Friendly reps, quick yet efficient service
Cons: none whatsoever

A few years ago, we carried Geico autoinsurance thinking we had the best rates around. Some friends recommended we call and get a quote from USAA...we instantly found out by switching to USAA we would be saving approximately 150 dollars! We switched...

Pros: Rates and service
Cons: unknown

I was introduced to USAA by my late grandfather (retired AF Col). USAA has proven to be everything I expected over the last 12 years. When my wife and I moved from San Antonio to Jacksonville, FL two years ago, we considered other banks but it didn't...

Pros: Everything
Cons: uh..nada

Our friends turned us on to USAA bank. Here is the short of it. I won't get too detailed, just give you the facts and you can see quickly why they are the best bank ever...

Free checking
Free Savings
Interest earned on both Savings...

Pros: Great Customer Service
Cons: No Local Branches

Having used several banks and investigating other financial institutions, there is nothing better then USAA. I recently purchased a new automobile. After the negotiations were complete we went to the finance office. The whole time the sales person was...

Pros: Customer driven. Not profit driven. Best service of any company I've ever dealt with.
Cons: None.

My father was in the service so I was able to get car insurance through USAA. After experiencing the incredible service that they have to offer I subsequently opened a savings account and then a Mutual Fund and then finally switched over all of my...

Pros: great, great, great
Cons: have to use snail mail

Where to put your money? If you have ever served for the United States you will be eligibile to qualify to become a member for USAA, the best bank around. After having tried several credit unions and other banks in the area in which I live, my husband...

Pros: No fees interest-bearing checking account, good customer service, reimburse ATM fees
Cons: Not the bank for you if you want a walk in branch

I have been using USAA Federal Savings Bank for my checking account for years now and have been very happy. I got so fed up with my local banks charging me for a checking account that I switched to USAA Federal. Imaging that...charging me to use my own...

Pros: National bank, great start up plan for college students
Cons: Limited to legacies and those in the military

I got USAA's college start plan at the beginning of this semester when I enrolled in college. Not only did I get a credit card with a VERY GOOD interest rate, I also got a checking account and cash card--all for free! They've been exceedingly helpful...

Pros: Cheap closing costs, competive rates, low pmi.
Cons: Fannie Mae calls the lending shots. Not USAA.

I had my preapproval all set with USAA. I had a pending offer on a short sale that took almost 100 days to get approved. I would check weekly on the USAA website to see rates. I would input the state, city, and county. Along with loan data that showed a ...

Pros: previous good service
Cons: price

I just received the mortgage escrow analysis from my lender. The price of the hurricane insurance is in excess of $1,900 not including the fire policy. Due to this, I have requested quotations from other companies and all have hurricane rates ...

Pros: Great customer service,quality,great rates! I love everything about them!
Cons: Nothing.

We have had auto insurance with USAA for what seems like ever! We recently decided to do banking with them! They are wonderful! First off there customer service is fantastic! Everytime I have a question no matter how big or small they give me clear and ...

Pros: Easy to purchase insurance products.
Cons: Watch out when a claim is made. The wheels grind slowly.

If I didn't maintain my house I'd understand a nasty letter from USAA about a homeowner's claim. But after two claims within a two year period having to do with "Act of God" events, I was told that a third claim would spell doom and gloom.

...

Pros: Cheap, Military oriented, Online banking
Cons: Does not interface with MS Money

I have had many banks, and many banking problems. So far, this is the best bank I've ever delt with.

Not only are they much cheaper than other banks, but they cater to military personnel, and they understand the needs of military personnel....

Pros: Easy and Cheap
Cons: NONE

I live in New York. I bank in Texas. USAA makes it so easy. They provide postage paid envelopes to mail in your deposits. Checks and deposit slips are free. The 800 number is easy to use to get account information. They reimburse you for using...

Pros: GREAT customer service
Cons: None

Without USAA there woudn't be single bank, credit card company or insurance company that I trusted and liked. I am so happy with USAA--thier continuously excellent customer service and ease of dealing with bankers and insurance claim reps at all times...

Pros: Wonderful support, no ruined credit.
Cons: Must mail in checks.

I've been a member of this bank for six years now, and their service has been impeccable. I'm constantly amazed that their service reps are never cross. I've never had an unhappy or rude person answer the phone when I called for help.

This...

Pros: Online banking, and wonderful customer service
Cons: NONE!

USAA is definitely the best bank we have ever been. With some of the other financial institutions we have tried we have always been paying fees for everything, including talking to a teller! USAA is so much different and you can bank online with them!...

Pros: They are always there when you need them most.
Cons: Household Insurance is higher than competitors

I have been an Auto Insurance holder of USAA for over 20 years. I have used them for Rental insurance in the past as well. I have used their services many many times and I have nothing bad to say. They were courteous to my situation, very helpful in...

Pros: um...
Cons: queues, lousy customer support, low rates

Banks are notorious hives of greed, incompetence and rip-off merchants. USAA is sadly no different to that common stereotype, if anything it seems as if the stereotype was built specially to accommodate the sheer awfulness of the USAA 'service' (I...

Pros: Can now scan & "upload" deposits
Service oriented (w/caveats); understand needs of military personnel
Cons: Cust. svc. has started slipping as of late :(

We have been with USAA for over 9 years now, and have never ONCE had anything but quality service from them...until the past year or so. We have 2 mortgages & a home equity loan, 3 vehicle loans, 2 homeowners/3 car insurances, and life insurance ...

Pros: They do it right...consistently!
Cons: People think I am weird 'cuz I love my insurance company.

No reason to give all the great details. Just simply must say, Wow!! Since this requires me to use more words...here you go -- I have 18 of their products from all sorts of insurance and banking and investments, to my ISP and long distance service. My...

Pros: Everything - I've never had a problem.
Cons: Brick and motor banks would only bring my satisfaction from 100% to 110%

USAA provides the best services of any financial insitution I have come across. From a great rate on a credit card (7.9%) to amazing home insurance options, USAA has been there.Recently, I spilled water on my laptop. And over the course of two ...

Pros: Great product.
Cons: Customer service is just so-so, at best.

Just so my viewpoint is understood: I've been with USAA (both insurance and banking) for twenty years; my father, a retired military officer, banks elsewhere but has been insured by them for nearly fifty years.USAA has always offered a very good ...

Pros: None that I can think of at this time
Cons: They are liars, cheats and thiefs.  

After being with USAA for 35 years, I think they are liars, cheats, and theives.  Our house burnt down and we lost everything we had after 43 years of marriage.  I had never had problems with USAA in the past but the time when I needed the ...

Pros: Parents who have to worry about there children over seas are not Military family
Cons: USAA- Those with the highest FICO scores get the best rate is not true.

My son's in Military signed me up at USAA. They receive great rates and I don't. My FICO score of 805. MY Credit Card rate is 10% and balance Transfer is 13%. USAA said I was not in a Military Family. I spent 10 years myself in the military so this was news to me. My son's serve in Iraq and Afghanistan and I am not a military family. Adult Children of Military members are family and never served in the Military.

Pros: All with one company: auto; life; medical; homeowners; renters; mortgage; investments; checking; savings; and Billpay.
Cons: The inability to deposit cash to my checking or savings account.

Our family has been fortunate enough to be able to use USAA for all of our financial and insurance needs for the last twenty years. My adult daughter and son also use them exclusively.
We're always able to talk to someone on the telephone at USAA who is knowledgeable and helpful. You cannot find a better customer service.
We've never had a problem of any kind. Even when I was stationed in Europe, and would receive a bill in the mail that was long overdue, they would just tell me to pay the bill as soon as possible, no questions asked.
I use USAA's Web Billpay and it has totally changed my attitude about paying bills. It's like having my own personal accountant and it's free. No more writing checks, writing account numbers on checks, buying stamps, licking stamps, etc. If I could just get USAA to do my income taxes for free...

Pros: This is what I call free Banking!
Cons: There isn't a branch location in my state.

What I like about USAA's basic checking account is that they have monthly cash back rewards, which amounts to .5% when you use your debit card.You also get refunds for any ATM fees incurred when using other banks ATM's. You also get free checks for the life of the account (Excellent if you move a lot.)Something new is their Quickpost program, because their bank is located in Texas, and I live in Virginia I can take my deposits to any Quickpost location(inside of most UPS Stores) and it will be credited the next business day. The UPS Store will give you a tracking number so you can track your deposit envelope all the way to the bank!

Pros: ATM Rebates, pre-paid deposit envelopes, prompt and responsive service
Cons: NONE

I have been banking with USAA for over 15 years and by far it is the best banking relationship I have ever had. They are prompt, friendly and very professional. This is banking at its best. With ATM fee rebates, I never worry about finding an ATM. Pre-paid deposit envelopes means I never pay to make a deposit. During my time with USAA I have never felt the need for a local bank! I give USAA my highest recommendation.

Pros: They know their business.I have never had reps tell me different things or mis-inform me.
Cons: I have yet to find any cons with U.S.A.A..They even send Christmas cards!!

U.S.A.A. is amazing.We have had them for 8 years now and we started with auto insurance.They were the lowest quotes we had ever seen!The big savings came when we bought our 1st home.Not only was the insurance more than reasonable,when Allstate and the other major insurance companies started cancelling all of our neighbors insurance because we are a coastal community,U.S.A.A. was the only company that was not interested in cancelling, giving us the run-around or looking to rob us the way some smaller companies tried to take advantage of my neighbors.Every discussion I have ever had with a rep for U.S.A.A. has never been short of an awesome experience!I even had an investment broker from another institution tell me he was jealous because he was not able to access U.S.A.A. for himself & his family!I have never once had 2 reps at U.S.A.A. tell me 2 entirely different things about 1 subject the way other institutions do which we all know is very frustrating.They were also very supportive when my husband was last deployed.He was able to access them from the Middle East without any issues.They also called our home just to check on us!

Pros: Reasonable, prompt and courteous service.
Cons: Available only to USAA members :(

I have had AAA and other road side services in the past, but none of them can compare to the terrific USAA service. For about $14 per year per car, I have dead battery, key lockout, tire changing and towing services at the ready. I've used the service at least a half-dozen times in the past 4 years, and I have never had to wait long for help. Those rescuing me have been very knowledgeable, polite and professional. Another nice feature is that when you call USAA, they will call you back when the tow truck is in route, and again when the truck is arriving. USAA always follows up to make sure you were satisfied with the towing company's response. It is comforting to know such help is only a phone call away.

Pros: Absolutely nothing
Cons: Everything

I was involved in an accident on November 22, 2006 with a client of USAA Insurance. The car that rear ended me on the Interstate was ticketed for following too close. He should have also received tickets for excessive speed and failure to maintain control. I faxed a copy of the accident report to USAA showing that their client was at fault and had been cited. After eight days of calling no less than 3 times a day, I have yet to speak to an adjuster. My car was totaled. I have incurred tow truck charges, large medical bills, loss of work, rental car charges, injuries sustained not only by me, but also my daughter. I have a large deductible with my insurance company so I was trying to deal with USAA personally. Due to their total disregard, I have made the decision to hire an attorney. This is so much against my beliefs, however nothing else seems to faze them.

If my insurance company treated anyone the way I have been treated by USAA, I would cancel them immediately.

Pros: Basically free banking unless you can't avoid overdrafts. Overdrafts are less painfull too.
Cons: Effectively no bank branches. This hasn't ever been a problem for me.

I just wrote a review panning a credit card comparing I'm having issues with. So I thought I balance it out.

USAA is great. Closest thing I know of to free banking. They even rebate ATM fees charged buy the other banks. There is a limit but unless you use the ATM more than a couple times a week it is not problem.

Interest on savings accounts and CD is much better than average. Low loans and credit card APRs if your credit its good.

Okay, so there aren't any branches to go to but your on the internet right now aren't you? So unless you have a problem with internet banking not having a branch shouldn't be a big deal.

Pros: Excellent customer service, low fees
Cons: None that I have encountered thus far

I have been a member of USAA since I was 17 years old. Got my first credit card with them. They have been great across the board, and I currently use them for my car loan, car insurance, banking, Roth IRA, and credit card. Recommended!

Pros: Great rates, ATM reimbursement, Rebate Credit Card
Cons: No brick & mortar banks

I just called USAA to inquire about the Labor and Service option we have on our auto coverage - as usual, I was greeted with excellent customer service. I also really love that they reimburse ATM fees, I know some people don't like the fact that you can't walk into a bank but in the last 3 years that has not been an issue for me. I also have my engagement ring (as well as other things, homes, etc.) insured through USAA and have not found better prices or services anywhere - period. I don't doubt that some people have had negative experiences, they happen but overall my experience has been on par with the Nordstrom level of service and not the Wal-Mart level of service I've come to expect from other banks and large companies in general. I'd definitely recommend USAA to any eligible person.

Pros: Good service, decent customer service and large number of products and services
Cons: There is no face to look at. People sometimes need a face to empathize with.

My father had USAA and he urged me to join. And they have done a fairly good job. My dad passed away December 2006 and USAA was the only bank that went out of their way to assist us. Our other banks could care less.

USAA actually set us up with their financial counselors so that my mother could ask financial questions and get real answers. Even though they were plugging USAA products and services they were quite neutral.

Is USAA an 800 pound gorilla? Probably. But they execute well on their products. Customer service is fairly good. I have called them on weekends, nights and they have been responsive.

I plan to invest with USAA. They have my car insurance and my home. I will not use their banking service because my credit union provides reasonable services.

The only fault I have with USAA is that they have an odd mix of products and services on their website. It makes me wonder who does their analytics.

Pros: So far, with this problem, there are none.
Cons: When one is denied access to his accounts for some unexplained reason, no solution.

I attempted to sign on to my USAA Mastercard account and after submitting myriad personal details I was informed that the info did not match what you have in your file. I
need to contact customersupport on line but have no e-mail address. I am told I can Unlock my accounts onlñy by calling
some 1-800 #. I am in Mexico where I spend 6 months each year forthe past 33 years. I cannot call the 800 number, I am lucky if I can call my neighbor across the street. I need to communicate with USAA on the internet. Member for 51
years. My current E-mail address is: shelrub@email.com.
I am not happy with the lack of "customer support" and I
am blocked from upgrading my personal profile.

Pros: Affordable, Excellent Customer Service, Wide range of products, helpfull educational material
Cons: None, I love it!

I've worked at over five different insurance carriers - in fact, I used to be an adjuster. As such, I know quite a bit about how companies operate and who pays their claims. Often after an accident the insurance adjusters for each carrier will need to talk to determine liability, etc. USAA adjusters are professional, and educated and truly look out for their insureds. Sadly, the same can not be said for all carriers. Additionally, as a consumer, USAA has provided me with exceptional service and fantastic rates. This year, as usual, we received a dividend off of our already low rates.
I know there are a lot of people out there that feel some sort of bizarre loyalty to their insurance agent, but when it comes down to it, isn't service and price more important?

Pros: The very best!!!!
Cons: None

USAA is the best personal bank I have ever joined. They have a new concept called Deposit@Home, so you can actually scan in your checks up to $5000 and your deposit is immediate as soon as the scanned image is accepted. I have saved so much time not having to run to the bank to deposit a check. And I can do it 24 hours a day without leaving my home.

You must have a checking account and a USAA credit card for the deposit@home to show on the right side of your screen once your logged in. You need a scanner I have an HP all in one C6150 and it works perfect. Once I applied for a credit card and was approved. They let you know for the most part within seconds if you have been approved.

Pros: Military members only.
Cons: Rapid decline in customer service.

I have been a USAA member since 1987. My feeling toward the company has always been overall positive. Like most members I utilize several of their services including insurance and banking. I have always paid my bills on time but due to a US Postal error they did not receive a payment. After over twenty years of near perfect payments I was sent a vitriolic letter stating “that I was being uncooperative and that I had broken my contractual agreement, thus they were freezing my credit line immediately.” I was chagrined at receiving such a letter. How could a company that has profited from my loyalty be so abusive without even trying to call me?

Although USAA prides itself on customer satisfaction and longevity their action proves otherwise. If I don’t receive an apology from USAA for their vicious correspondence I will take my money elsewhere. Good customers should be valued and treated with respect.