USAA Federal Savings Bank Reviews (3)

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw was on November 23rd, 2022, the day before Thanksgiving. On the 22nd of November I deposited two checks written to me by a family member, but woke up on the 23rd to find my account was locked. I called in to see what the issue was and was told by the clerk, quite rudely, that my deposits were suspicious. While I understand the need to hold the funds at times to verify funds are available, I do not understand nor appreciate being laughed at by the bank clerk who attempted to ridicule me. After being admonished by the clerk, she said my online account would be reinstated. Of course, it was not, so I was forced to call in yet again to reinstate access to the bank through my smart phone. On Friday, the 24th of November, I called in to make a complaint about my experience. The person I spoke to this time made excuses for why the first clerk was so rude, yet didn't bother to ask who I had spoken to or when this discussion had happened.

USAA no longer cares. I believe poor leadership from those at the top have ruined the organization. As a disabled Army veteran, I used to be able to rely on USAA to treat me with dignity and respect, but sadly this is no longer the case. It's sad, as their insurance products are wonderful, but banking here is far more trouble than it's worth.

Left USAA after 30 years and never looked back. The rates were high and the claims problems were horrible once a major claim hit (my first and only one). Much happier since leaving USAA (and there rigid, unbendable practices) behind.

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4 years I’ve been consistently making deposits by buying money orders because they do not have any other way for me to deposit cash in Arizona. One day I received a a phone call from a USAA employee asking me all kinds of questions about why I deposit most orders and where is my cash coming from, etc. she was extremely rude, I felt like she was treating me like I had done something wrong and I was a criminal being interrogated. It was so intrusive, rude and offensive. I asked her why she is asking these questions and she snapped at me and said “because it’s my job!” I was really in disbelief that I was really being treated this way by a bank that I had been with for half my life! Mind you, I was only depositing about $6,000 per month in money orders. After asking more questions, she was basically accusing me of money laundering! Unbelievable! At this point I was so offended I told her I’m not interested in speaking with her until she can talk to me with the respect that i deserve. I knew upon hanging up she would flag my account somehow. I didn’t hear back so I assumed she never did figure out how to talk respectfully. 4 months later, I was accepted for an Amex Card thru USAA with a $20,000 limit. I already had a visa and used both cards monthly but never kept a balance because I would always pay in full every month and always on time. About 2 months later, now 6 months after being treated like a criminal, my auto insurance increased by $50 per month for no apparent reason, I didn’t get any tickets or have any accidents and then things got worse... A couple days after I noticed the increase I received a letter in the mail from USAA stating “they are exercising their right to no longer do business with me and after 2 weeks from the date Of the letter all my accounts except my insurance will be closed, so they suggested I make other arrangements if I had any plans of funds to be taken from any of my accounts. I was in shock! I don’t know what happened to USAA but they have completely changed over the last few years with how they treat their customers. I’m so glad I didn’t have my retirement account with them! The way I was treated is absolutely absurd! I called them to ask why they dumped me and the customer service rep had no clue and extended her sympathies for the way I was treated. She had never heard of USAA doing this to any customer and she thought it was strange that my account didn’t have any notes regarding this. I informed her after I searched some message boards, I have learned I’m not the only one as I have found other long term USAA members that had the same thing happen and could not get any answers or explanations from USAA. USAA has become nothing more than an immoral company with no class and no funks to give about their customers. At the end of the day I’m relieved to no longer support such a terrible, cold hearted business and have been treated like gold over at Bank of America! USAA can go kick rocks, I encourage anyone and everyone who is considering becoming a customer of USAA to not walk, but run away from this place! And never look back! And the folks that are still with them, you should really reevaluate and consider going with a better institution, one that will treat you as a valued customer with respect and appreciation! And at the very minimum, have a back up plan should they decide they would like to exercise their right to no longer do business with you, too!
Review on the Online bank