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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts: No Monthly Fees, Free ATMs Nationwide | USAA

Question

How do I or where do I make a deposit if I do not have "deposit @ home" to do it from my computer?

I am not sure where I can make deposits if I am not able to use my computer from home. Thank you.
Asked 5 years, 7 months ago
by btr1
Glendale, AZ
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
You will have to mail the checks in to USAA.
answered 5 years, 7 months ago
by jlfr
0points
0out of 0found this answer helpful.
answer 2
Just order the free deposit envelopes. They send them 10 at a time (I usually order 2 sets of 10) and they have free postage. I've never had a problem.
answered 5 years, 7 months ago
by GBS9
Louisiana
+1point
1out of 1found this answer helpful.
answer 3
The only way that I know to deposit a check besides deposit@home is by mailing the check. This is one thing I do not like about USAA. But to give them a little credit on this. It only takes as long as the post office takes to get it to USAA. They give you the postage paid envelopes so it does not cost anything to send it in. GOOD LUCK!!
answered 5 years, 7 months ago
by Nash
Virginia
0points
0out of 0found this answer helpful.
answer 4
You need to mail them in, or visit the bank in Texas. It is quite a hassle to bank with USAA unless you can use deposit @ home...
answered 5 years, 7 months ago
by usmcz
California
-2points
0out of 2found this answer helpful.
answer 5
Call USAA and ask for envelopes. They will send you postage paid (I love that) envelopes with attached deposit slips.
I think you can actually request these envelopes online.
answered 5 years, 7 months ago
by Stephen87
TX
0points
0out of 0found this answer helpful.
answer 6
You can request Deposit Envelopes when you are viewing your checking account (options on the right side). You can also call USAA to get them to send you some. Either way will work.

JGR
answered 5 years, 7 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 7
i'm pretty sure you can still mail in your payments. you can call usaa directly at 800-531-8111. i don't think that's the main number, but i use it and don't have any problems getting through.
answered 5 years, 7 months ago
by megmartin
Columbia, SC
0points
0out of 0found this answer helpful.
answer 8
They can mail you deposit envelopes that you just mail back...fairly easy.
answered 5 years, 7 months ago
by Seriously mad
Wichita falls, TX
0points
0out of 0found this answer helpful.
answer 9
i've always been able to use the deposit slips and envolopes and proirty mail them to usaa, and well got there from Pennsylvania and was posted in usually 3-4 days on business days. If your closer to Texas it should be much quicker depending on postage date.
answered 5 years, 7 months ago
by Mattie P
Waynesboro, Pa
0points
0out of 0found this answer helpful.
answer 10
You can order free prepaid envelopes on the website in order to send items to deposit if you are away from your computer.
Top Contributor
Top Contributor
answered 5 years, 7 months ago
by orlie
san antonio, tx
+1point
1out of 1found this answer helpful.
Question

What do you do if you need a large amount of cash?

Asked 5 years, 7 months ago
by blucadle
Iowa Park, TX
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
If I need more than my daily w/drawal limit I simply call USAA and have them raise my limit to whatever I need. I've done this several times and it takes affect immediately.
answered 5 years, 7 months ago
by Mommaof2
Fort Worth, TX
0points
0out of 0found this answer helpful.
answer 2
You can call in to the USAA support number, and they can raise your cash withdrawal limit for the day. I did this for a large purchase. I ran through 3 ATM's to get all the cash I needed, but it works great.

Another method is to use a Master Card cash advance from a local bank against my checking account, I was able to do this with no fees charged to me at a local bank.
answered 5 years, 7 months ago
by Apex
Cincinnati, OH
0points
0out of 0found this answer helpful.
answer 3
I either plan a couple days ahead and withdraw the maximum each day, or wire transfer to a local bank where I keep an account open for emergencies.
answered 5 years, 7 months ago
by WatiniK
New York, NY
0points
0out of 0found this answer helpful.
answer 4
I call USAA and have them do a wire transfer. It costs $20.00.
answered 5 years, 7 months ago
by Retired USAF officer
Arlington, VA
0points
0out of 0found this answer helpful.
answer 5
Call USAA and let them know the amount you need to get out of an atm and then go to an atm to get your money. The daily limit is $600.00 regularly, if you need more then you'll need to call them and authorize more for that day.
answered 5 years, 7 months ago
by Zemog
San Bernardino, California
0points
0out of 0found this answer helpful.
answer 6
We tend to use our Debit card to purchase a money order or certified bank check. We maintain a Bank of America savings account to make these services available to us at a national bank.
answered 5 years, 7 months ago
by sfcblkhk
Lacey, WA
0points
0out of 0found this answer helpful.
answer 7
If I need a large amount of cash, I put it into a "liquid" account like the Money Market. Then I would have the money transferred to Savings and transfer it to the Checking to access it quickly. This is what worked for me.
answered 5 years, 7 months ago
by Meandu4400
Northern Virginia
0points
0out of 0found this answer helpful.
answer 8
Call USAA and ask them to do a one-time over the limit increase on your ATM card so you can pull the cash out of the ATM.
answered 5 years, 7 months ago
by kelhonie
lakenheath, uk
0points
0out of 0found this answer helpful.
answer 9
Use your check card. All you have to do is call them and tell them how much you need to spend over the one time charge limit and they make it happen. Takes about a minute.
answered 5 years, 7 months ago
by Rocky LaRocco
Katy, TX
0points
0out of 0found this answer helpful.
answer 10
I'm assuming from your checking account. If you need large amount of cash just call USAA and tell them the amount you need and within few hours you will be able to go to any atm and take out that cash. Due to security reason you must withdrawn within 24hrs.
answered 5 years, 7 months ago
by Rice4U
Jacksonville,NC
0points
0out of 0found this answer helpful.
Question

can I have direct deposit from my employer?

Asked 5 years, 1 month ago
by michellemarie80
ATL, GA
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
Yes, and from my experience USAA posts it right away. My money is always in my account before any of my co-workers who bank with a different institution.
answered 5 years, 1 month ago
by Deutsche
Michigan
0points
0out of 0found this answer helpful.
answer 2
Yes. Just fill out the form with your employer giving your usaa account info and usually it will be done by the 2nd pay period.
answered 5 years, 1 month ago
by AtlantaEddie
Atlanta, GA
0points
0out of 0found this answer helpful.
answer 3
Yep. Just ask for the form for Direct Deposit from your employer. USAA Federal Savings Bank's ABA number is 314074269. And then your account number!
answered 5 years, 1 month ago
by Joshie1
0points
0out of 0found this answer helpful.
answer 4
Yes, as long as your employer is willing to let you. All you have to do is provide your employer with your account number and USAA's routing number.
answered 5 years, 1 month ago
by MicahM
Alexandria, VA
0points
0out of 0found this answer helpful.
answer 5
Of course you can. Talk to USAA customer service in the banking side of the house, and they'll walk you through the steps. Everyone I have ever talked to at USAA has been very helpful, courteous, and professional. I am sure you'll have it all set up in no time.
answered 5 years, 1 month ago
by Barstool Economist
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 6
Absolutely. My employers have done so for about 12 years.
answered 5 years, 1 month ago
by Susan H
Sonoma, CA
0points
0out of 0found this answer helpful.
answer 7
Yes, USAA offers direct deposit through employers. It is really whether or not your employer offers the service.
answered 5 years, 1 month ago
by revenland
Durham, NC
0points
0out of 0found this answer helpful.
answer 8
Yes, you can have direct deposit from your employer as long as your employer supports direct deposit. The majority of the people that use USAA are active duty military, and that is the only way in which we can be paid.
answered 5 years, 1 month ago
by kmcgee47
Sayed Abad, Afghanistan
0points
0out of 0found this answer helpful.
answer 9
i dont see y not if your employer does direct deposit all you should need is a routing number and account number
answered 5 years, 1 month ago
by nate919
germany
0points
0out of 0found this answer helpful.
answer 10
definitely, i have been on direct deposit for over 10 years from 2 different employers
answered 5 years, 1 month ago
by Bigkahoona
AZ
0points
0out of 0found this answer helpful.
Question

Does USAA return check images with statements?

My current bank has stopped providing check images with the statement. Will I receive check images with a USAA bank statement?
Asked 5 years ago
by CUINFL
Seminole, Florida
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
You can always view your check images on line at USAA and they are archived. When I used to get a hard copy of my bank statement it came with the images. you may want to call USAA and ask at (800)531-8722
 | Air Force
Family
 | 
Riverisde, CA
answered 4 years, 10 months ago
by Deirdre
Riverisde, CA
0points
0out of 0found this answer helpful.
answer 2
I don't write many checks anymore, but the ones that I have show an image on my account page. I mainly use the USAA Bill Pay. No stamp, they mail it and it is always on time.
 | Air Force
Active
 | 
Hahira, GA
answered 4 years, 10 months ago
by Outn99
Hahira, GA
0points
0out of 0found this answer helpful.
answer 3
They return images of the front of the check in the statements, but you can also see the images on website when they clear.
 | Army
Family
 | 
Chicago
answered 4 years, 11 months ago
by Voodoo
Chicago
0points
0out of 0found this answer helpful.
answer 4
YES.
answered 4 years, 11 months ago
by Pitu
0points
0out of 0found this answer helpful.
answer 5
Yes you will. You can also view you check image online once it has been posted.
Top Contributor
Top Contributor
answered 4 years, 11 months ago
by 10plusyearer
0points
0out of 0found this answer helpful.
answer 6
Yes you will.
answered 4 years, 11 months ago
by bellison
0points
0out of 0found this answer helpful.
answer 7
When I click on my account it shows all my transactions. When a check goes through it will have a little icon next to the check name and you can view the image of the check you wrote. Not sure if the image actually shows up on the paper statements. I view everything electronically.
answered 4 years, 11 months ago
by soldier74
Fort Hood, TX
0points
0out of 0found this answer helpful.
answer 8
under your checking account page on the usaa site you can view check images that have been processed and returned to usaa. i dont know about paper billing, but yes, if you go online...
answered 4 years, 11 months ago
by dephect
charleston, sc
0points
0out of 0found this answer helpful.
answer 9
I sure do!
answered 4 years, 11 months ago
by thekidprodigy87
Los Angeles, CA
0points
0out of 0found this answer helpful.
answer 10
I have signed up for online statements, so I am not sure what the policy is for paper statements. However, I know that when you view your account information online, you can click on the "Check #0000" link, which pulls up an image of the canceled check.

Given that this is available online and can be printed if necessary, I would *assume* that they don't duplicate it for the paper statements - instead of wasting the paper (and $$) to print out copies of ALL cleared checks, you can simply pull up the check(s) in question whenever you have a problem. And you can do this from wherever you happen to be (as long as there's a computer with an internet connection).
answered 4 years, 11 months ago
by ribblefizz
Texas
0points
0out of 0found this answer helpful.
Question

can i deposit cash from any bank?

Asked 5 years ago
by ValB
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
No, you cannot deposit cash from any bank or ATM. However, there is a way around this problem.
You can have a bank or credit union account (say...a savings account..) which can be linked to your USAA account. I keep a credit union account where I can deposit cash. I can then go online and electronically transfer to my USAA account. The money is available immediately. When my husband and I switched our banking to USAA we were concerned about no physical bank, but it has been about 4 years and we are happy. USAA is so reasonable to deal with and they are just not out to get your every last cent like the other banks are.
 | Air Force
Family
 | 
Riverisde, CA
answered 4 years, 10 months ago
by Deirdre
Riverisde, CA
+2points
2out of 2found this answer helpful.
answer 2
To my knowledge you can't deposit cash from any bank. You can either get a cashier check and send it in or deposit at a local bank account and just transfer it. That is what I do. I establish a local account for change deposits and cash, then transfer to USAA.
 | Air Force
Active
 | 
Hahira, GA
answered 4 years, 10 months ago
by Outn99
Hahira, GA
0points
0out of 0found this answer helpful.
answer 3
You need to have an account from the bank you are trying to make the deposit from and then make a transfer from that bank to your USAA. Some charches may apply.
answered 4 years, 11 months ago
by Pitu
0points
0out of 0found this answer helpful.
answer 4
Not any bank. However if you have deposit slips I would get the cash in a money order and send it to usaa. ive done this before and it only took about two days. And if you have a check you can deposit that with your scanner or iphone/android.
answered 4 years, 11 months ago
by soldier74
Fort Hood, TX
0points
0out of 0found this answer helpful.
answer 5
I use electronic transfer to move funds to and from USAA and my other bank account. It takes a few minutes to set up, a couple of days for the bank to implement and within certain fund amounts it is very easy and quick.
answered 4 years, 11 months ago
by Denali
Tucson, AZ
0points
0out of 0found this answer helpful.
answer 6
i have never tried...any time i have ever needed to deposit cash, ive always just swapped it for a check and used my phone or scanner to deposit the money.
answered 4 years, 11 months ago
by dephect
charleston, sc
0points
0out of 0found this answer helpful.
answer 7
You can only deposit money from any bank if you have an account with that bank because you have to do a tranfer. It does not cost you anything i tranfer money to your USAA Account from another bank account though. You can also deposit checks online with bank@home if you have insurance, checking, and have been pre approved or if you get a credit card or line of credit with the USAA so you can deposit a check right from your own computer by scanning it into the computer. The only other option you have is to mail your deposit which doesn't cost anything because the USAA provides you with postage paid envelopes.
answered 4 years, 11 months ago
by Veteanson
Eden, VT
0points
0out of 0found this answer helpful.
answer 8
If you mean being able to go to any bank and deposit to USAA, the answer is no. But you can deposit cash into your USAA account at many ATMs. Check the website or call for locations. If you have a smartphone (I-phone, Blackberry, etc.), you can download the free USAA mobile app, which lets you take a picture of any check you want to deposit, and puts the money into your account instantly. Very cool.
answered 4 years, 11 months ago
by kcwhite
Austin, TX
0points
0out of 0found this answer helpful.
answer 9
you cannot deposit via ATM unless it is in San Antonio (USAA atm machine). You must deposit via western union (costs money), wire transfer (costs money) or another account that you've set up with your checking account. A.k.a. a huge hassle!
answered 4 years, 11 months ago
by omg1
PA
0points
0out of 0found this answer helpful.
answer 10
no you cant not deposit from any banks. Online only. So phone deposits and scanned in deposits only.
answered 4 years, 11 months ago
by candy2010
santa barbara. ca
0points
0out of 0found this answer helpful.
Question

HOW LONG DOES IT TAKE TO GET THE DEBIT CARD?

My husband has just received active duty orders for the USMC to report to Quantico. We are going to be switching banks as our current bank does not service the VA area. I see online you can fund the new account via routing/acct # or debit card from another financial institution. However, I am just a little worried about how long it will take to get the debit card if I transfer all of our monies over? Also, how do you deposit checks into the account - since there are not many branches? Any help on the matter would be greatly appreciated.
 | Marine Corps
Spouse
 | 
Philadelphia, PA
Asked 4 years, 7 months ago
by card receipt
Philadelphia, PA
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
I live in Florida and it took exactly 7 days or 5 business days to get both my debit and credit card.
answered 4 years, 5 months ago
by Greg F
Florida
0points
0out of 0found this answer helpful.
answer 2
Greetings. I have been with USAA for sometime now. When I first opened the account there was a little wait for me to receive the products, I suppose it was because they needed to see if my funds cleared, I received my debit card and checks with in two weeks. Living in Key west, Fl does present a few challenges, USAA does more then make up for it thought. I contacted them and they sent me 26 postage paid envelopes to mail my checks to them, Also if you use the iphone or ipod toch you can quickly deposit your checks with their app.. VERY COOL, The last thing is if you are in a huge hurry to have the cash you can use a Western Union quick collect form and deposit your cash in a matter of about an hour total. Another note, because there are not too many atms around once a month usaa refunds back to you youer atm fees you incurred using a non USAA cash machine. I hope this gives you some answers :)
 | Army
Active
 | 
Key West, Florida
answered 4 years, 6 months ago
by Fotis T
Key West, Florida
0points
0out of 0found this answer helpful.
answer 3
You should be careful with the "deposit at home" feature that USAA provides. You endorse, scan, and upload the check into your account. Easy enough and convenient. However you will likely get a message AFTER you hit the submit button that all or part (most) of your deposit is being withheld for 5 days. Some members report the hold is actually longer than 5 days. I would recommend getting a local bank when you get to Quantico if you'll need these deposits either the same day, or withing the industry standard of 3 days. There will probably be a Navy Federal Credit union there that will serve you well. Good luck on the move!
answered 4 years, 6 months ago
by Master Chief
0points
0out of 0found this answer helpful.
answer 4
took less then a week even when they replaced the original and I am in Oregon, a long way from Texas
 | Army
Retired
 | 
Wolf Creek Oregon
answered 4 years, 6 months ago
by Baddawg19
Wolf Creek Oregon
0points
0out of 0found this answer helpful.
answer 5
It took me about a week to get a debit card.
 | Army
Retired
 | 
Orlando, FL
answered 4 years, 6 months ago
by Robert Stephens
Orlando, FL
0points
0out of 0found this answer helpful.
answer 6
Hi. USAA is awesome. If you express your concern and tell them your situation I am sure that your cards could be FEDex'd overnight, if not the cards are received within five to seven business days. As far as depositing checks, you can do that from home. USAA has this awesome feature where you can take a picture of the front and back of the check and deposit right from home. It is really convenient. My husband and I do this every month with our rental income check. Best feature by far. Welcome to the USAA family, you will not be disappointed.
 | Air Force
Active
 | 
Abilene, TX
answered 4 years, 6 months ago
by Toyer
Abilene, TX
0points
0out of 0found this answer helpful.
answer 7
To receive the debt card is suppose to take roughly 7-10 business days. In some cases it will take longer. For me it has been over a month. and for the depositing of checks. All you have to do is get deposit slips from usaa.com and when you receive them you mail in the checks. or you can use the usaa app on the iphones and take a picture of the front and back and send it to them and you'll have it instantly.
 | Army
Active
 | 
Fort Campbell, KY
answered 4 years, 6 months ago
by US Army 25Q
Fort Campbell, KY
0points
0out of 0found this answer helpful.
answer 8
When I left my debit card in the ATM and it was then no where to be found. I called USAA the next day and they gave me 2 options:
1. They will send it for free and it could take 5-7 business days (in the past it arrived within 3-4 business days).
2. They would gladly 2 day it for me and just take the funds out of my account.
I really needed my card, so I opted for the 2 day service. It was delivered to my house in CA in exactly 2 days. Now, regarding the deposit part. Typically I just mail mine in and every single time I am amazed at how fast it gets there and how fast they process my deposit. It only takes about 3-4 business days. I do know they have the capability to allow you to scan and or take a picture of your check. In order to do this, I believe you have to have a credit card or some other line of credit with them. I did not choose that, as mailing my deposits has never been a problem for me.

Hope this helps. Gosh, I love USAA!!
 | Army
Separated
 | 
San Jose, CA
answered 4 years, 7 months ago
by gracefulrose
San Jose, CA
0points
0out of 0found this answer helpful.
answer 9
Every time I have had a replacement card it goes as fast as the post office delivers mail. That being said, you can actually look on the USPS website and determine from TX to your location how long mail takes to get there and you will have your most accurate answer
 | Army
Active
 | 
Where ever I am told to go
answered 4 years, 7 months ago
by Dravven
Where ever I am told to go
0points
0out of 0found this answer helpful.
answer 10
7-10 Business days, but your individual location and/or mail services can affect timing.
 | Army
Active
 | 
charleston, sc
answered 4 years, 7 months ago
by dephect
charleston, sc
0points
0out of 0found this answer helpful.
Question

When Changing to USAA how cumberson was it to change online bill paying?

I do all my bill paying online. how difficult is it change this if I transfer from my Credit Union to USAA? This is my only hesitation in switching.
Asked 4 years, 4 months ago
by CPTParker
El Paso
0points
0out of 0found this question helpful.
10 answers
Answers
answer 1
I don't like the online bill pay option. In my past experience it's a bit delayed since they actually cut a check and send it on your behalf instead of just sending payment electornically.
 | Air Force
 | 
Michigan
answered 4 years, 4 months ago
by Dee78
Michigan
0points
0out of 0found this answer helpful.
answer 2
USAA makes online bill paying simple. You tell them who your billers are and within 2 months they are right on your USAA billpay page with how much you owe, your minimum, and email saying your bill is in, and a link to the biller's site so you can view your bill. Until then you can pay the bills online manually when you get an email from your biller.

Easy online billpay is one of the things that keeps me at USAA.
 | Army
Spouse
 | 
Willowick, OH
answered 4 years, 4 months ago
by Jenopie
Willowick, OH
0points
0out of 0found this answer helpful.
answer 3
I wouldn't hesitate for a minute. The deposit @ home feature is worth the switch
 | Army
Retired
 | 
Iowa
answered 4 years, 4 months ago
by Skov
Iowa
0points
0out of 0found this answer helpful.
answer 4
Not difficult at all!
Electronic bill paying on USAA is easy to set uo and free. You can also deposit checks via your smart phone or scanner.
 | Army
Retired
 | 
DC
answered 4 years, 4 months ago
by KV01
DC
0points
0out of 0found this answer helpful.
answer 5
Changing online billpaying is very easy. I am in the process of making this switch myself and I would not hesitate to recommend this to anyone.
 | Army
Family
answered 4 years, 4 months ago
by ARWILL
0points
0out of 0found this answer helpful.
answer 6
I have never personally 'transferred' my bill paying from another bank to USAA, but I can tell you that I set up all my bill paying through USAA in a matter of minutes. The most difficult part was finding the specifics of my bills, but the USAA website was very easy to navigate and my bills have been paid, in full, and on time! (including mortgage, association fee, cell phone, gas, electric, cable, and internet).
 | Army
National Guard
 | 
Fridley, MN
answered 4 years, 4 months ago
by Karly
Fridley, MN
0points
0out of 0found this answer helpful.
answer 7
I personally did not have any issue. Granted the bills I decided to transfer where less than 25 but using two browser tabs I just cut and pasted the information from my old account to my usaa account. As I did so I deleted each old payee from my old bank until I had transferred everything I needed to usaa bill pay.
 | Army
Retired
 | 
Decatur, IL
answered 4 years, 4 months ago
by IrishPuterGeek
Decatur, IL
+1point
1out of 1found this answer helpful.
answer 8
You would have to enter your payee info into the Bill Pay section of your account. Rather than do it all at once, it is less time consuming to do it as the bills come in. Entering new billers is pretty painless, and after that, just enter the $$, date, and account you want to pay from...
answered 4 years, 4 months ago
by Larry in LCNM
Las Cruces, NM
0points
0out of 0found this answer helpful.
answer 9
I do all my bill paying online too. Switching to USAA is the best thing I ever did. If you have a lot of payees, entering all the names, addresses, and phone numbers in the setup might be a little tedious. But, in my opinion, it is well worth it.
answered 4 years, 4 months ago
by rdrunner
0points
0out of 0found this answer helpful.
answer 10
Well like anything some work will be required. You would have to add all your billers which would include their contact information and account numbers. If your local bank uses CheckFree you must cancel the service prior to switching to USAA.
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Top Contributor
answered 4 years, 4 months ago
by orlie
san antonio, tx
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Question

What have your experiences been for the ATM fees refunded?

I was just charged $3 for using an ATM machine. I am sure glad that USAA gives this back. Since this is the first time occuring, I was just wondering if anyone had any good or bad experiences of USAA not honoring what they promise.
Asked 5 years, 11 months ago
by genpow
layton, UT
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9 answers
Answers
answer 1
I have had a GREAT experience with the ATM rebates. Each ATM fee I am charged during the statement cycle is refunded to me, up to the limit (which I believe is now $15/cycle).

It is an excellent benefit to having the account.
answered 5 years, 11 months ago
by nyse19
St. Louis, MO
+1point
1out of 1found this answer helpful.
answer 2
I have never had an issue with ATM fees. They are always credited to my account by the endo of the month and have been accurate every time. It is nice to know that the fees are refunded since I am usually forced to use ATMs that charge a fee. I was wary of using USAA for banking since it was not local where I was located when I signed up, but it has been no hassle at all.
answered 5 years, 11 months ago
by Pin Tampa
Tampa, FL
+3points
3out of 3found this answer helpful.
answer 3
Just recently used an ATM with USAA debit card, which I hardly ever do even if USAA reimburese, and I was wondering how to get the money back, held onto my receipts, and then the transaction fee was in my USAA acct at the end of the month and I did not have to do anything. what a great service!
answered 5 years, 11 months ago
by UrOracle
San Antonio
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answer 4
I've had an account with USAA for a couple years now and they've always been great about reimbursing ATM fees. However, since there is a $15 limit per month, I also make use of the "cash back" option at stores especially since some of the banks in my area have raised their ATM fee.
answered 5 years, 11 months ago
by LA06
Mobile, AL
+1point
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answer 5
I have been with USAA since 2001 and they provide excellent service. I have been very pleased with the service and process of ATM charges being refunded. It makes my life easier to use any ATM anywhere, including Mexico. The charges are credited back to your account at the end of the statement period. Note the limitation stated on the USAA website; even with this, USAA is so much better than anyone else. Per USAA website: USAA does not charge a fee for the first 10 ATM withdrawals and refunds up to $15 in other banks' ATM usage fees each month. A 1% foreign transaction fee applies to withdrawals outside the United States.
answered 5 years, 11 months ago
by Tweety
Phoenix, AZ
+1point
1out of 1found this answer helpful.
answer 6
i never ever had any problems with usaa refunding the atm fees up to the $15 a month limit.
answered 5 years, 11 months ago
by chcor70
NY,NY
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answer 7
USAA will refund up to $15 in ATM Fees each month. They are not refunded until your monthly statement, however. I have never had any issues, they have always given me all the refund I was due.
answered 5 years, 11 months ago
by MikeB
Columbia, SC
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answer 8
In 15 years with USAA, we've never had a single problem with USAA honoring their policy in this respect. And I carefully check off each line item of each monthly statement.

In fact, USAA has even improved this service -- it used to be a refund of up to $1.50 per withdrawal up to 10 withdrawals, so we had to watch out for those banks who charged the higher $2.00+ fees -- but now it is just a matter of the total amount per month not exceeding $15.00 instead.

So, if you use the ATM often, keep in mind that USAA will refund up to $15.00 of other banks' ATM fees, plus USAA also will charge their own ATM fee if you have more than 10 withdrawals per month. We used to have to watch out for that when stationed overseas before debit cards existed, but it's not been an issue ever since because we just don't make that many withdrawals.

However, USAA recently started charging a 1% foreign transaction fee when using the card outside the U.S. (either at ATM or as debit card) -- a policy that shocked me as it is obviously not military-friendly since we cannot help it when we're stationed overseas (my only complaint ever with USAA's service) -- we got whacked with that fee on our PCS from Alaska going across Canada last month!

Another tip: if you get cash back when you use your debit card at a retailer, it also doesn't count toward your ATM limit.
answered 5 years, 11 months ago
by splashtruck
Valdosta GA
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answer 9
I have no complaints. They have refunded me whenever I ran into being charged a fee. =)

Glad to hear they kept their promise for you too!
answered 5 years, 11 months ago
by poli407
Central Florida
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Question

Direct Deposit

I didn't read anything about Direct Deposit. Is this an option with a USAA checking account?
Asked 5 years, 11 months ago
by DaniC
Minnesota
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9 answers
Answers
answer 1
You didn't read anything because direct deposit is now such a common thing that it would be like advertising that you can make withdrawals.
answered 5 years, 11 months ago
by Jason
Chicagoland, IL
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answer 2
Yes! All you need is your account number and USAA's routing number.
answered 5 years, 11 months ago
by one mad farmer
Washington
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answer 3
Direct deposit is available to checking or savings accounts at USAA. I've had my check done that way for over 25 years! Also check out the At-Home deposit feature. It allows you to deposit checks 24x7x365 from your home PC (or iPhone I believe). That's truly a convenience for those occasional checks you have to cash.
answered 5 years, 11 months ago
by threegm
Columbia, SC
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answer 4
Yes. Members have the option to use Direct Deposit. I do not use it, but you would go about it the same way you would any other bank (supplying bank info to employers, etc).
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answered 5 years, 11 months ago
by 10plusyearer
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answer 5
Yes it is and has been for quite some time. I have used it for almost 10 years without fail. Money is always there and usually a day early.
answered 5 years, 11 months ago
by LTDMB
Atlanta,GA
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answer 6
If by direct deposit you mean your paycheck, you just have to give your bank information to your work. It isn't done through the bank. I have direct deposit set up with both a USAA checking account and a savings account.
answered 5 years, 11 months ago
by slotti
Oregon
+1point
1out of 1found this answer helpful.
answer 7
Yes, it is an option. also one thing that i would say that is great is that you can deposit your checks at the comfort of your home. All you need is internet access and a scanner .
Also i read a little about being able to deposit your check with your cell, aint that awesome ?
answered 5 years, 11 months ago
by LROD
New Jersey
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answer 8
Yes, you can use DD with USAA. I have three DD from different sources coming in like clock-work. I love it!

You can also set up manual and automatic transfers to other banks or accounts. The Bill Pay is wonderful.
answered 5 years, 11 months ago
by Anonymous
Miami
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answer 9
Of course! We have been using Direct Deposit with USAA ever since we opened our accounts over 10 years ago.
answered 5 years, 11 months ago
by PELJJCS
VA
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Question

What if I need to preform a transaction that requires a teller, such as a getting a money order?

Asked 5 years, 10 months ago
by amccoy
San Francisco, CA
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9 answers
Answers
answer 1
They take care of it over the phone and send it overnight or express.
answered 5 years, 10 months ago
by Lanes
GA
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answer 2
You have to go to an USAA Bank. Other than purchasing a money order from another financial institution, grocery store, Walmart, Target, etc.; call customer service 800-531-2265.
answered 5 years, 10 months ago
by Army All The Way
TX
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answer 3
99% of everything you need to do can be done on-line. Just look around. You can submit a payment using "Pay my bills" option and USAA will send a certified check to whoever you want. I hope this helps!
answered 5 years, 10 months ago
by The C Family
Japan
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answer 4
Hello,
I have found it easier to get money orders from the post office or walmart, because the fee is cheaper than getting a money order from a bank. I think USAA only has branches in TX and no where else. The majority of their business is done online, that is how I joined when I was in Germany or Bosnia. Hope this helps you.
answered 5 years, 10 months ago
by BMuldrow
Columbus, GA
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answer 5
Your best bet would be to use a convienence store store or package store that sells them. You can use a check, credit, or debit card to buy them.
answered 5 years, 10 months ago
by Joe Bob
Georgia (currently Afghanistan)
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answer 6
USAA doesnt offer money orders as far as I know

You can always go to the Post Office, use your debit card and get a secure money order for any amount you need
answered 5 years, 10 months ago
by QShip
New Rochelle, NY
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answer 7
You can log on to your account and order what is called an "OFFICAL CHECK" (same as a money order). You can have the check written to you or to another person/buisness and also have it mailed to either. I paid many bill that did not have online payment while I was in IRAQ. It saved me from having to have my checks with me. USAA simply mail the check out to the person I listed it to be sent to.
answered 5 years, 10 months ago
by Kywindage
Any where with access to Phone/Intranet services.
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answer 8
money orders are cheap and you can get them anywhere, such as a gas station or walmart for less than $1.
answered 5 years, 10 months ago
by burlybiker
NC
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answer 9
Money order: you can do that anywhere. I use walmart for 60 cents and swipe my USAA debit card. No biggie...
answered 5 years, 10 months ago
by Mandy07
Phoenix, AZ
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