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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts

Question

How do I deposit checks into my account?

My daughter is looking to set up a checking account with USAA but doesn't qualify for the "scan the check at home' feature that USAA affords.
Asked 4 years, 3 months ago
by Ambrose65
Long Beach, CA
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Call USAA to get the deposit envelopes. They can send 10 or 20 at a time. She will get the option after being with USAA for a period of time. (Credit score might be a factor)

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 2
Since your daughter is not eligible for the Deposit@Home service your daughter can order free prepaid envelopes online in order to mail checks into her account.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
Question

What is the max. amount you can withdraw from atm per day?

Asked 4 years, 3 months ago
by putt
fl
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
I think $600 but I'm not sure
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answered 4 years, 2 months ago
by dres
San Diego, CA
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0out of 0found this answer helpful.
answer 2
$600 unless you call and have them raise your daily limit. $3000 for check card and debit card transactions and the call to change the limit for the day also applies.
answered 4 years, 2 months ago
by usadisvet
tn
0points
0out of 0found this answer helpful.
answer 3
The daily limit is $600 per day.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
+1point
1out of 1found this answer helpful.
Question

Deposit @ Home......Is it easy? I get additional checks from side jobs that would need to be deposited.

Asked 4 years, 3 months ago
by FireFighter 35
Boston, MA
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
I've had no problems using deposit @ home via my iPhone. They post within 2 minutes for me. Perfect for that side job check!
answered 4 years, 3 months ago
by Bill H
Morris Plains, NJ
+1point
1out of 1found this answer helpful.
answer 2
Very easy! Endorse the check, scan the front, then scan the back. Make sure you print out the confirmation page. Do not destroy the check just incase something happens (check bounce, etc) That's it. I deposit all my checks this way. You can also mail a deposit in but it takes much longer due to being in the mail.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
+1point
1out of 1found this answer helpful.
answer 3
Yes Deposit@Home is easy and convenient. I would recommend you watch the demo that is available online before you start. If at first you have any questions or problems a USAA Representative would be more than happy to assist. Once you begin using the service you'll love it.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
+1point
1out of 1found this answer helpful.
Question

Where can I cash a check that I do not want to deposit?

Asked 4 years, 3 months ago
by kwilding
SC
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
You might want to check some check cashing places. Grocery stores sometimes cash checks but they are really restrictive. I would recommend just depositing it and using an ATM to withdraw the amount you need.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 2
If you do not want to deposit a check you can go to the bank in which the check is drawn from.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
Question

what is the minimum age to open a regular (not teen) checking account?

Asked 4 years, 3 months ago
by sfmax
santa fe, nm
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
I think 18 since that is when most states consider a person to be an adult. Call USAA to verify though.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
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0out of 0found this answer helpful.
answer 2
The minimum age to open a regular checking account is 18 years old.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
Question

How can I obtain a cashier's check or money order without the presence of a local bank?

Asked 4 years, 3 months ago
by mikejon
Phoenix
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
USAA offers the ability to get a certified check online, and have it sent either to you or another recipient. You can have it overnighted, or sent via regular mail. I have used this service many times, and it is very easy and efficient. Much better than getting in the car and driving to the bank or waiting in line at the post office!
answered 3 years, 9 months ago
by Wendy37
+1point
1out of 1found this answer helpful.
answer 2
Just call USAA and they can send the check via first class mail. They can even priority mail it if needed.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 3
You can purchase a money order at your local Post Office or grocery store. If you need to purchase a cashier's check or official check you can do this online. The official check fee is $5.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
+1point
1out of 1found this answer helpful.
Question

Can you use the online checking service to write a personal check to an individual?

Asked 4 years, 3 months ago
by Personal checks
Belgium
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
Yes you can. Just use USAA Bill Pay and enter the individual's information just like you would enter a company. If I recall correctly you can select "individual" instead of company. I use the Bill Pay to send checks to individuals all the time.

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
+2points
2out of 2found this answer helpful.
answer 2
Absolutely!
answered 4 years, 3 months ago
by Bobby L Somers
El Paso, TX
0points
0out of 0found this answer helpful.
answer 3
If you want to send a check to someone online you would have to ensure you have Web Bill Pay. If you are set up you would add the person to your payee list and send them a check that way. Keep in mind by using the Web Bill Service it could take 7-10 days before the person will receive the check.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
+2points
2out of 2found this answer helpful.
Question

If you wanted to take out money over the amount that is allowed in an ATM in one time how could you?

Lets say you owe your mother $1,250 and wanted to take that amount out in full to paid her back how can you?
Asked 4 years, 3 months ago
by Manny28
San Diego, CA
0points
0out of 0found this question helpful.
8 answers
Answers
answer 1
All you have to do is call USAA and ask them to raise your daily limit to whatever you need.
answered 4 years, 2 months ago
by Mommaof2
Fort Worth, TX
0points
0out of 0found this answer helpful.
answer 2
I simply write a check. Or take the max amount out daily until you have the amount that you need.
answered 4 years, 2 months ago
by Meg22
Phoenix, AZ
0points
0out of 0found this answer helpful.
answer 3
I had to pay my landlord first and security deposit totaling $2380. I went to a local bank to get a certified check with my USAA debit card, called while i was in the bank and they increased the withdrawal amount over the phone instantly. Local bank was a bit confused but USAA worked perfectly!
answered 4 years, 3 months ago
by johnnysurf
San Diego
0points
0out of 0found this answer helpful.
answer 4
Get your Mom's bank routing number and account number. Setup the account in your USAA checking web services and transfer directing into her account...forget writing a check!
answered 4 years, 3 months ago
by Buccho
Washington, IN
0points
0out of 0found this answer helpful.
answer 5
I would love to know this as well. Ive had to open up a local acount and transfer the funds.
answered 4 years, 3 months ago
by sdydy
California
0points
0out of 0found this answer helpful.
answer 6
You cannot exceed the daily ATM withdraw amount (at least I have never been able to). An option is to do a Wire Transfer. There is a small fee but you can call USAA to handle it. You would need to the receiving account information. USAA can also send an Official Check (similar to a Cashier's Check) to your desired receiver. Another option is to use the USAA Bill Pay to send a check. I hope this helps!

JGR
answered 4 years, 3 months ago
by J G R
Hubert, NC
0points
0out of 0found this answer helpful.
answer 7
USAA has a limit on how much money can be deducted from an ATM in a 24 hour period. A simpler way to repay your mother would be to use the Bill Pay feature and send a check to your mother for the amount owed. As soon as your mother cashes/deposits the check it will be deducted from your account in USAA.
answered 4 years, 3 months ago
by Bobby L Somers
El Paso, TX
0points
0out of 0found this answer helpful.
answer 8
There is a $600 daily limit at the ATM, however you can speak with a Bank Representative to possibly increase your limit for the day.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.
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 4 years, 3 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 4 years, 2 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 4 years, 3 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 4 years, 3 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 4 years, 3 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 4 years, 3 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 4 years, 3 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 4 years, 3 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 4 years, 3 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 4 years, 3 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.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
+1point
1out of 1found this answer helpful.
Question

overdraft

I know that you tie overdraft protection to a credit card or to a savings account but I am wondering what happens if there is no money in savings and not enough money on the credit card do you return the check or to you pay it and charge a fee? My current credit union will pay the check and charge me a fee so I am not embarrassed by a mistake that may have be made.
Asked 4 years, 3 months ago
by cjc1230
groton CT
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Yea, you will get charged a fee. Its under $30 dollars I believe. About average with all banks Ive been associated with.
answered 4 years, 3 months ago
by ggg555
0points
0out of 0found this answer helpful.
answer 2
If you do not have money in your overdraft account be it a savings or a credit card the check typically does not get paid and you are assessed a NSF fee of $29.
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answered 4 years, 3 months ago
by orlie
san antonio, tx
0points
0out of 0found this answer helpful.