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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts

Question

How do I post a review of the new Iphone check scan application and make a suggestion?

I just deposited my first check using my Iphone and while it was very easy, I did have a couple of "duhh" moments. I would like to make a couple of suggestions as I was initially confused as to how I should access the camera while the USAA mobile deposit app. was open.
Asked 4 years, 7 months ago
by envirodoc
Dallas, Texas
0points
0out of 0found this question helpful.
4 answers
Answers
answer 1
Two things: Send suggestions through the "contact us" link and they will be forwarded to the IT department.

It may not be exactly what you want, but there is a member reviews tab on the checking page. This applies more generally to accounts.
answered 4 years, 7 months ago
by soldieron
Frisco TX
0points
0out of 0found this answer helpful.
answer 2
I recently deposited my 1st check and ain't looking back. For me it seemed easier than depositing online. I am not sure what may have been confusing as for me, it seemed rather easy.

I was extrememly skeptical. But just like online... you log in, select account for deposit, enter check amount, take picture of front, then picture of back and submit. If there is a problem with your image it requires you to retake.

You need to 1) make sure you are in a well light area and try not to shadow your check when taking a picture and 2) use a very dark background against your check (this will make the check stand out against the background).

Don't worry I have deposited about 5/6 + checks now via iPhone and you will have more confidence about it.
answered 4 years, 7 months ago
by CherieB
Augusta, GA
0points
0out of 0found this answer helpful.
answer 3
You can use the Contact Us feature to make suggestions - they will route it to the right people and they have always been very responsive when I have tried contacting them.

Also, you can go to:
https://www.usaa.com/inet/ent_blogs/Blogs?action=blogpost&blogkey=newsroom&postkey=deposit_a_check_from_anywhere&SearchRanking=2&SearchLinkPhrase=deposit[atsn]mobile%20review

and post comments - the USAA moderator will comment on some of them.
answered 4 years, 7 months ago
by Anonymous
Virginia
0points
0out of 0found this answer helpful.
answer 4
The best bet is probably to send USAA a secure message via https://www.usaa.com/inet/ent_memberemail/MemberEmail?action=NewMessage using the Feedback category.
answered 4 years, 7 months ago
by Brad S
Chicago, IL
0points
0out of 0found this answer helpful.
Question

How do you deposit cash?

Asked 4 years, 7 months ago
by Anonymous
Duluth Ga
0points
0out of 0found this question helpful.
5 answers
Answers
answer 1
I agree with the last post. You can keep your local bank account in your community and simply deposit your cash into it. Then, transfer the money to USAA via USAA.com transfer. You can just keep a $1 or so in your local account.
answered 4 years, 7 months ago
by nyse19
St. Louis, MO
0points
0out of 0found this answer helpful.
answer 2
I just usually put cash in my pocket and skip the next trip (or two) to a ATM - grin. Or you can get a Money Order and mail it in using a USAA pre addressed, postage paid envelope. Takes about 3-4 days at most. Unfortunatly, MOs and cashiers checks are not allowed in the PC version of scanning in via deposit@home.
answered 4 years, 7 months ago
by MikeA
Florida
0points
0out of 0found this answer helpful.
answer 3
I buy a money order for $1 and send it in that way. I am not sure if there is another way but this way works well for me.
answered 4 years, 7 months ago
by dave692009
Chicago, IL
0points
0out of 0found this answer helpful.
answer 4
Get a cashier's check or money order and mail it or scan it to USAA.
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by DMatt
BMatt
0points
0out of 0found this answer helpful.
answer 5
Just a thought, but what if you opened up just a local bank and then did a wire transfer or and EFT into your Usaa back account. Thats the only thing I can think of unless you live near a Usaa Bank.
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by 10plusyearer
0points
0out of 0found this answer helpful.
Question

How long does it take for checks to be deposited from the time they are scanned and sent?

Asked 4 years, 7 months ago
by odeveca
Boston, MA
0points
0out of 0found this question helpful.
4 answers
Answers
answer 1
With the Check 21 policy that banks follow it is almost instantanious. Your balance will reflect the depostied check, but will not clear the check issuers bank for 1-2 business days. Depending on the ammount and hold policies you will be able to use it immediately.
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
0points
0out of 0found this answer helpful.
answer 2
When you scan in a check, as soon as you get the confirmation screen, it should be reflected in your current balance. However, as for when it is available for withdrawal, you should refer to the USAA Depository Agreement: https://content.usaa.com/mcontent/static_assets/Media/DaD0406_BillPay0704_SvcFee0606.pdf

You can find most of your questions about the Deposit@Home feature answered in the FAQ.
answered 4 years, 7 months ago
by GoghUA
Alabama
0points
0out of 0found this answer helpful.
answer 3
As long as the system can read the scan or photo of the check, the funds are available immediately.
answered 4 years, 7 months ago
by MadDog
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 4
Checks are generally deposited the same day. I can almost always see the amount reflected in my account after the scan is accepted. Read the depository agreement for the full details.
answered 4 years, 7 months ago
by soldieron
Frisco TX
0points
0out of 0found this answer helpful.
Question

Cash

What should I do when I need to deposit cash?
Asked 4 years, 7 months ago
by kbns
Folsom, CA
0points
0out of 0found this question helpful.
11 answers
Answers
answer 1
I still have a free checking account open a brick and mortar CU. For how long, idk. But I use the brick and mortar CU for specifically this purpose. When I get cash or a personal check, I deposit it at the local CU and when it shows up there (in 3-14 business days, depending on how the moon is sitting) I transfer the cash up to my USAA account.
answered 4 years, 7 months ago
by ntbert
Fairbanks Alaska
0points
0out of 0found this answer helpful.
answer 2
I always get a check from family and give them the money..then I deposit it from the scanner
answered 4 years, 7 months ago
by LovemyUSAA
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 3
If you have a recurrent need to deposit cash, I would look for a bare bones account at a local bank or credit union -- one that doesn't charge any fees for a low balance or inactivity. Then you can deposit your cash into your local bank and transfer it (free of charge) to USAA. You do have to fill out a form with USAA to set up the ability to transfer funds, but you only do this once, for all subsequent transfers you just go to "Transfer Funds" on the website and it takes about 2 minutes.

For the most part, USAA will credit your account the same day you initiate the transfer, even though they get the money 1-2 days later.
answered 4 years, 7 months ago
by skiz
APO
0points
0out of 0found this answer helpful.
answer 4
Personally, I 'maintain' a checking account with a local bank for such situations. Thankfully, when I set an ACH transfer to my USAA account, USAA makes the funds available immediately. It's great if you need the cash in your account right away.
answered 4 years, 7 months ago
by blahprath
San Diego, CA
0points
0out of 0found this answer helpful.
answer 5
Someone may have a better idea but I normally have to deposit cash at a bank (i.e. NAVY FED) then transfer the funds to USAA. I would not try to mail cash though. In the absence of a bank I have used money orders or a friend's check to send it in.
answered 4 years, 7 months ago
by rns11899
Okinawa, Japan
0points
0out of 0found this answer helpful.
answer 6
The easiest way that I have found is to actually transfer the cash into a money order (which you can get at most stores for $.25Cents) and then mail the money order. It's really quite simple, you can also call and request deposit slips and they will send them to you.
answered 4 years, 7 months ago
by truthb4fear
Citrus Heights, CA
0points
0out of 0found this answer helpful.
answer 7
2 other members have asked this question....check out their responses
answered 4 years, 7 months ago
by sjhwoell
Springfield, OH
0points
0out of 0found this answer helpful.
answer 8
You could always deposit cash into another checking account and sign up for transfer between the two accounts.
answered 4 years, 7 months ago
by Sunny
Savannah, Ga
0points
0out of 0found this answer helpful.
answer 9
Since there are no local branches you would have to do a wire transfer to USAA, do a home deposit with a check/money order, or mail-in your check or money order.
answered 4 years, 7 months ago
by thatgirleb
Fort Myer, VA
0points
0out of 0found this answer helpful.
answer 10
Get a money order or cashier's check and mail it in.
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by DMatt
BMatt
0points
0out of 0found this answer helpful.
answer 11
you can buy yourself a money order or give the money to a trusted friend/relative and have them write you a check for the same amount and deposit that way

or deposit into a seperate bank account then transfer it over
answered 4 years, 7 months ago
by QShip
New Rochelle, NY
0points
0out of 0found this answer helpful.
Question

if i need to walk/drive to a bank, where do i go?

Asked 4 years, 7 months ago
by benny
wharton nj
0points
0out of 0found this question helpful.
6 answers
Answers
answer 1
Why would you need to walk or drive to a bank? I would love to answer this but I would need to know the reason to visit the bank. You can do almost everything online or on the phone with USAA. To get cash just go to any ATM and take some out (you get the fees refunded) and if you need to deposit just order some deposit envelopes or use Deposit at Home. I feel like my home office is my bank with all in one scanner/copier/printer it is a perfect companion to USAA.
answered 4 years, 7 months ago
by 2Bach
Kerman, CA
0points
0out of 0found this answer helpful.
answer 2
If you need cash, go to an ATM--it's free.
If you need to deposit cash, get a money order or cashier's check and mail it in.
If you have checks, scan them in via USAA Deposit @ Home
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by DMatt
BMatt
0points
0out of 0found this answer helpful.
answer 3
You can go to any bank and get cash out, no matter how much they charge for the fee usaa always deposits the fee back in your account by the end of the month
answered 4 years, 7 months ago
by CJarden
Salisbury, MD
0points
0out of 0found this answer helpful.
answer 4
I believe san antonio, texas is the onlY available for USAA and thats why they provide free ATM withdrawls and convenient deposit of check through scan/mail
answered 4 years, 7 months ago
by pa guy
PA
0points
0out of 0found this answer helpful.
answer 5
Unfortunately, there is only one physical USAA bank location which is located in San Antonio, TX. Being a military member myself, and having lived all over the US and Europe, this has never been a problem.
answered 4 years, 7 months ago
by kdog0121
0points
0out of 0found this answer helpful.
answer 6
You do realize USAA has only one physical branch and thats in San Antonio, TX
answered 4 years, 7 months ago
by QShip
New Rochelle, NY
-2points
0out of 2found this answer helpful.
Question

How good is the online banking?

How good is the online banking? For example the ease of bill pay, how soon debit's are applied to the account, and other items like this.
Asked 4 years, 7 months ago
by General Patton
NE Texas
0points
0out of 0found this question helpful.
25 answers
Answers
answer 1
99% of our banking is done online. 95% is through USAA. When I retire, closer to 99% will be USAA. There Bill Pay is the best I have ever seen. Their convenience for fund transfer is the best ever. Debits are usually show up seconds/minutes after you make a purchase. That is dependent more on the merchant and how fast they make the transaction. I can go to Lowe's, make a purchase, go home, check USAA, and there the debit is. OR you can call USAA on your phone and get great automated service! I use this when traveling and don't have internet access (yes, there are still places like that!)
answered 4 years, 7 months ago
by Anonymous
Miami
0points
0out of 0found this answer helpful.
answer 2
My husband and I both love it. We deposit our checks at home through a scanner, Bill Pay is great, ATM fees are refunded, and deposits are available immediately. Also, customer representatives are always friendly, helpful, and they do not waste my time. The only complaint I have is that we can't deposit cash but has not affected us very much. Hope this helps.
answered 4 years, 7 months ago
by Clarissa
Alexandria, VA
0points
0out of 0found this answer helpful.
answer 3
Best online banking I have ever used! It is effortless and easy. The debits are reflected almost immediately for inner bank transfers. For Non-USAA accounts, bills, etc... It is reflected as soon as the company process's it. Love it:)
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
0points
0out of 0found this answer helpful.
answer 4
We have been with USAA for many years and have used the online banking since it began. Never have we had any problems. We use it to pay all our bills. We have numerous checking accounts. It is simple to transfer money to our daughter and between different accounts. The scanning for deposits works flawlessly. Our adult daughter and her husband now have their acct. with USAA because of the scanning of deposits. All transactions all instantaneous.
answered 4 years, 7 months ago
by iris
Mequon, WI
0points
0out of 0found this answer helpful.
answer 5
It's pretty awesome. USAA either establishes an electronic payment, or will mail a check to the recipient.

In my 8 years with USAA, I have never had a late payment with their online banking system. I think USAA started their online banking system before most banks, so the system is quite robust and developed.
answered 4 years, 7 months ago
by ErnestS
Reston, VA
+1point
1out of 1found this answer helpful.
answer 6
Debits are applied quickly, sometimes it depends on where you made the purchase, however I know if I buy at walmart as soon as I get home its already there. I don't have much experience in the bill paying department, except for the credit card and it goes through fast. The truth is this bank is awesome! ex: I was double charged at a store I called usaa and they immediately took it off, they make everything really easy and if you have any problems just call them. Hopes this helps, Adriv.
answered 4 years, 7 months ago
by adriv
Carthage, NY
0points
0out of 0found this answer helpful.
answer 7
I have never had an issue with the online banking. Bill pay is great. It basically is the same program most banks use now for bill pay. The only thing is that if you don't have a scanner or an iPhone you will have to mail checks in (you can order free deposit envelopes that are already have the postage paid) and that takes a few days to post to your account. If you are eligible to join USAA they should be your bank I wasted a few years with some other bank while I had USAA only for insurance and I still regret it. No issues with the online banking here.
answered 4 years, 7 months ago
by 2Bach
Kerman, CA
0points
0out of 0found this answer helpful.
answer 8
AWESOME. THis is not an understatement. I have been with USAA for 5 years and I love them! My brother and sister both work for another bank and they even bank here!
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by DMatt
BMatt
0points
0out of 0found this answer helpful.
answer 9
I think it's excellent.

It's easy to set up Bill Pay with any new payees. When you have a new bill, it shows you the minimum amount due and the total balance so you can click on whichever amount you want to pay. I like that there is a confirmation screen where you have the chance to review all the payments you've scheduled. And I really like that you can monitor (and cancel) pending payments.

I'm not sure what you mean about the speed of debits being applied to the account. I do know that when you transfer funds between accounts, it happens instantaneously. That's great for me if I want to transfer money to my checking account so I can pay a bill. I don't have to wait at all and can get everything done in one session.

Good luck. I definitely think you should try it out!
~Susannah
answered 4 years, 7 months ago
by Susannah
Pennsylvania
0points
0out of 0found this answer helpful.
answer 10
I really like internet banking. I rarely call or visit the bank. Web billpay really helps keep track of bills and schedule them. You can schedule the bill as soon as you get them and forget it. USAA had initial terms as per that if they mess up your bill they would pay your bill on your behalf dont know for sure if they still have that.
answered 4 years, 7 months ago
by pa guy
PA
0points
0out of 0found this answer helpful.
answer 11
I would have to rate the online banking, on a scale of 1 to 10, a solid 10. I have been using USAA's online banking for almost 6 years now, and have never had any problems or complaints. Bill pay is a breeze, and even if a debit hasn't officially "posted" to your account, you can view all transactions, even if they are "pending" in real time.
answered 4 years, 7 months ago
by kdog0121
0points
0out of 0found this answer helpful.
answer 12
The online banking at USAA is amazing. I have banked with USAA for 3 years and I plan on being a lifetime member. The web bill pay is a piece of cake. First set up your billers account(s) info, then all you have to do is click pay every month, or you can have the account set up for automatic draft. It is outstanding. Debit purchases will show up in you online checking statement immediatly. USAA has made it very easy to keep up with how much you are spending and what your balance is. If you go with USAA for all your banking needs, you really won't be disappointed.
answered 4 years, 7 months ago
by ShaunaLea
Boerne, Tx
0points
0out of 0found this answer helpful.
answer 13
Most effort involved in billpay is in setup. Enter a few items and they will look up the payee for you. Worst case is that they have to send a check instead of an electronic payment. Many debits can be handled in two business days; checks will obviously take longer depending on when they are deposited by the payee.
answered 4 years, 7 months ago
by soldieron
Frisco TX
0points
0out of 0found this answer helpful.
answer 14
If you are comfortable using the internet and other online services, USAA online banking is simple and easy.

Their online bill payment system is similar to other online programs: it's easy to set up, monitor, and use. You can use it to make automatic payments, and if you are paying large companies, you can set up electronic billing.

I use it to send checks to people for gifts and to pay all of my bills. I also routinely use to transfer money to and from accounts at other institutions.
answered 4 years, 7 months ago
by Shibumi
New Delhi, India
0points
0out of 0found this answer helpful.
answer 15
Online banking is excellent. the billpay has gotten much better in the past two years, it even tells you approx how long your funds should take to arrive at the payee. We haven't walked into a bank in over 5 years
answered 4 years, 7 months ago
by Timsgonnawinanipod
Illinois
0points
0out of 0found this answer helpful.
answer 16
We have always been super pleased with this online banking the only debit you don't see right away is gas it shows at a pending purchase for $1 but it is easy to tell what it is. We love the bill pay it makes planning our budget super easy! We tried Bank of America when we first moved to va just to have a local bank but found their online banking lacking in many ways we just love USAA!
answered 4 years, 7 months ago
by Lenright
Hampton, va
0points
0out of 0found this answer helpful.
answer 17
I'm very satisfied with the online banking! I'm not sure of the Bill Pay, I have not used that feature. However, my checks clear quickly (I hate having checks floating around out there). The only delay that's slightly annoying is over the weekend it takes time to change from a pending debit purchase (for debit cards) to a confirmed debit purchase. This is annoying when you buy gas and it shows $1 but you know it's more than that obviously and I can never remember exactly how much I spend on gas. Other than that I love online banking. Use it almost every day.
answered 4 years, 7 months ago
by jdmorris
Colorado Springs, CO
0points
0out of 0found this answer helpful.
answer 18
I have found the service excellent and quick. I have had multiple bills paid through my online banking with no issues. In addition, I have seen debits showing in the account in a matter of minutes (showing as pending debit transaction). The amount is already subtracted from your available balance. An added plus was recently my rewards debit card was lost and through the mobile site, I was able to halt the card and order a new one. The entire process was quick, easy and secure. I am thrilled with the service and do not regret a day that I changed my banking to USAA.
answered 4 years, 7 months ago
by Texasgent
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 19
Online banking is great! We have been with USAA for 7 years now and have never had any issues. USAA customer service is always available and their website is easy to use. Highly recommend online banking!
answered 4 years, 7 months ago
by Nichole
San Angelo, TX
0points
0out of 0found this answer helpful.
answer 20
I have been with USAA for about 7 years now, and I have really enjoyed their online banking. They have many great features such as: their interface is easy to use and understand, the deposit from home feature is instantaneous, transfers between your USAA accounts are also instantaneous, payments to any of your USAA credit cards or insurance are made the same day, they have mobile apps that work quite well on the Iphone and Blackerry (I use the Blackberry app daily), and any deposits made are registered for that day before any debits. You'll know how needed that last feature is if you've ever had to deposit mony or transfer funds to cover a check at another bank, and then found that they bounce your check before they credit your account. Plus, try being away from home and depositing money online through another bank! It just won't happen.
All in all I'd say you can't go wrong with USAA when it comes to online/mobile banking.
answered 4 years, 7 months ago
by WAN2RIDE
Apex, NC
0points
0out of 0found this answer helpful.
answer 21
I love it! With Billpay, my payments are delivered by the date selected for payment. I never pay for stamps or have to lick the back of an envelope again! I have banked with USAA exclusively for my personal banking for several years now and I have never had a banking issue. My only regret is they do not offer Commercial Banking.

Keep in mind never schedule a payment without available funds and it is still left up to the company you are making the payment to... to deposit payment. But when it comes to getting your payment there on time... it's great.
answered 4 years, 7 months ago
by CherieB
Augusta, GA
0points
0out of 0found this answer helpful.
answer 22
I love USAA online banking! Depositing checks, transferring funds, using ATMs, getting "rewards" for using your debit/Mastercard, etc. its all easy and rewarding. When my daughter was in college, she banked with the college. I set up my USAA account to automatically transfer money into her account each month so she had spending money. I now have my mother in law set up to receive automatic transfers from our USAA account. Unfortunately, she is not able to have a USAA account, as she doesnt live with us, however, the transfers go through each month like clockwork. USAA is awesome!! I also love the bill pay. I have my mortgage, car payments and insurance set up on bill pay. Its nice to know I dont have to worry about it if I am out of town or for any other reason, cant get out to pay the bill.
answered 4 years, 7 months ago
by bdain2003
Chesapeake Va
0points
0out of 0found this answer helpful.
answer 23
I am a huge fan of USAA's online banking system. The bill pay system is wonderfully easy to use, you can schedule the payment of your bills as far in advance as you'd like, and the debits are applied on the day you designate. You can easily see your payment history for any bill, and can easily make modifications to any scheduled payment (as long as it hasn't started the payment process yet). It takes a little time to set up initially (entering each biller's account info, address, etc..) but it is well worth the time investment.

I use USAA for virtually all my banking needs, and I really don't have any complaints. The lack of a physical bank to make deposits bothered me initially, but now you can scan & deposit checks on line, which is even more convenient than driving to a location!
answered 4 years, 7 months ago
by Jess1234
Jacksonville, FL
0points
0out of 0found this answer helpful.
answer 24
After using USAA's online banking for about a year, I have decided to cancel my other bank accounts. This is a testament to how much I enjoy using USAA's services.

In response to your question, bill pay is excellent. If you have an account number with another company, USAA will pay your bill electronically by the date you request. If you don't have an account number and just want to pay an individual, USAA will mail that person a check for free. It couldn't be easier. I don't fill out physical paper checks anymore.

As far as debits are concerned, it appears that you will see them pending on your account almost immediately, but it may take a day or two for the transaction to be completed and posted.

In general, USAA is above average when it comes to online banking. It seems like they are ahead of most major banks when it comes to technology. A great example is the ability to scan checks (or take pictures of checks with an iPhone) and deposit them to your account, simply by logging into USAA.com. I love it!
answered 4 years, 7 months ago
by YouEsEhEh
Ft. Huachuca, AZ
0points
0out of 0found this answer helpful.
answer 25
second to none... period

I have used usaa for about 8 years now and I wouldn't trade for anything.
answered 4 years, 7 months ago
by Brittain
Choctaw, OK
0points
0out of 0found this answer helpful.
Question

Can I make EFT's from my checking account?

Asked 4 years, 7 months ago
by auxiang
sfo
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
Most all banks can now do Electronic Funds Transfers. The wonderful thing about USAA is using their online banking you are now in control of more features! Ex: If you have multiple bank accounts you can deposit into and withdraw from your non-USAA account by using EFTS. If you are talking about Bill Pay, USAA also has that feature. If you have seperate accounts with USAA you can access them all from your online login and transfer funds accordingly. To make a long answer short USAA is more than capable of most if not all EFT's
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
0points
0out of 0found this answer helpful.
answer 2
Yes. This is one of my favorite features. I make electronic fund transfers frequently. Never had any problem. Love it!
answered 4 years, 7 months ago
by iris
Mequon, WI
0points
0out of 0found this answer helpful.
answer 3
Yes you can make Electronic Funds Transfers from your checking accout. I use this feature to transfer money between my bank and my USAA mutual fund or brokerage account. I also transfer money between my checking and saving account.
answered 4 years, 7 months ago
by MilitaryMom
Virginia
0points
0out of 0found this answer helpful.
Question

How can I receive bills online?

Asked 4 years, 7 months ago
by Audge
Denver, CO
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
There are indeed some internal links once you click on the "Payments"/"Pay Bills" links that allow you to sign up for e-billing. I had to go in and enter the "payees" and then almost all of them popped up with a little blue link underneath them that simply said "sign up for e-bill". Once you follow that little process (which is quick and painless, btw) then the amounts and dates due for the bills show up automatically in the other columns each month. If you want to look at your bill you just click on the payee to "view bill" and take it from there. I encourage you to try this service. I find it makes my life much easier and I do not have late payments.
answered 4 years, 7 months ago
by Leli
Burke, VA
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answer 2
log on to ur account (bills) choose paperless option. add ur email and u will get all info u need. never recieve a paper bill thru mail. all will go to email account. then u can sign up for manage ur bills on ussa.
answered 4 years, 7 months ago
by dianette
San Antonio, Tx
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Question

What exactly is the free overdraft protection?

Asked 4 years, 7 months ago
by medcrypt3
Pensacola,FL
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0out of 0found this question helpful.
12 answers
Answers
answer 1
With your USAA checking account you have the free overdraft protection feature. You can set your account to pull from your USAA credit card or non-USAA card when your accout goes overdrawn. Best of all the feature is free. There is no charge from USAA to transfer funds into your account to cover the overdrawn ammount.
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
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answer 2
The free overdraft protection is a feature on your USAA checking account which allows you to overdraw the balance of your account. When you overdraw your USAA account the OD protection will pull off of a card of your choice. EX: your USAA credit card. You can also have it set to pull from a non-USAA account.
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
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answer 3
We designate our USAA credit card to protect our checking accounts from any overdrafts. If we are getting low at the end of a pay period and I spend a little more than I should, the bank automatically transfers $100.00 to my checking account so it will not overdraw. There is no fee for this.
answered 4 years, 7 months ago
by iris
Mequon, WI
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answer 4
This is a great feature! Only thing is if I catch that I'm overdrawn and try to transfer from my savings instead of from my credit card (which it's set up to do) it ends up transferring instantly from my savings and a little later the same day from my credit card. Which is a hassle to do so many transfers. Other than that, a good feature though.
answered 4 years, 7 months ago
by jdmorris
Colorado Springs, CO
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answer 5
If your checking gets overdrawn, they will automatically transfer money from your savings. We like to keep $1,000 in savings for just this reason! The good part is that there is no charge or delay for this service.
answered 4 years, 7 months ago
by Nichole
San Angelo, TX
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answer 6
USAA is excellent for Overdraft protection especially since its 100% free

unlike Bank of America who charges a $10 fee in order to activate overdraft protection for each transaction
answered 4 years, 7 months ago
by QShip
New Rochelle, NY
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answer 7
You can specify another USAA account, such as a savings or credit card account, to be used for OD protection. If you overdraft your account, the amount needed to cover the charge(s) will be automatically transferred so that your overdrawn account balances to $0.00. You can type the keywords 'overdraft protection' into the search box in the upper right for more information.
answered 4 years, 7 months ago
by Brad S
Chicago, IL
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answer 8
Overdraft protection keeps an account from being overdrawn or falling below its minimum balance by transferring funds to cover the deficiency from a designated overdraft protection account.

If the balance in the account that is protected falls below the minimum balance, usually less than zero, a transfer is made for the monies needed from the designated protecting account. If your account is protected by a checking or savings account, a transfer is made for the exact amount needed to cover the item(s). If the designated protecting account is a credit card, coverage is made in $100 increments.

USAA does not charge for overdraft protection as long as funds are available to cover the overdrawn item(s) in full.
answered 4 years, 7 months ago
by MilitaryMom
Virginia
+3points
3out of 3found this answer helpful.
answer 9
Overdraft protection means, if you incur a negative balance on your checking from you yourself making purchases or a collector, the bank will automatically take the necessary fees out of your savings (or w/e account) to match the transaction. Which means you don't go in the hole and receive one of those 25$ negative balance fees.
answered 4 years, 7 months ago
by Murph
Phx, Az
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answer 10
I protects you in case you overdraw from your checking account.
answered 4 years, 7 months ago
by Jacq
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answer 11
They actually don't charge you for an overdraft if you have the funds available in another account. Great perk, great bank!!
answered 4 years, 7 months ago
by RUST
San Francisco, CA
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0out of 0found this answer helpful.
answer 12
free overdraft protection comes from ur saveings account. that way u will never have to pay od fees. as long as u have a saveings acct. u wont have to worry
answered 4 years, 7 months ago
by dianette
San Antonio, Tx
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Question

What's so great about "Total Rewards"?

I keep getting stuff from USAA advertising "Total Rewards" instead of the standard Cash Rewards. Assuming I don't want a credit card, Cash rewards gives me 1/2% cash back at the end of the month. Total Rewards gives me 1 point for every 2 dollars spent, and if you look at the rewards, a point is worth about a penny, so it works out to 1/2% total. Besides the negligible (for me) benefit of having rewards accumulate immediately instead of waiting until the end of the month, are there any other advantages to having "Total Rewards"?
Asked 4 years, 7 months ago
by rifaco
Seattle, WA
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2 answers
Answers
answer 1
The great benefit with total rewards is that the rewards never expire, and you can cash out your rewards directly with no fees whatsoever. As far as I know, there is not an equal program like this in the country! Whether you like travel, cash, or merchandise, you can shop for any of these with your USAA debit or credit cards.

Most other travel or airline cards come with either annual fees (which negate any benefits on the card, in my opinion) or redemption fees which are simply a hassle and an insult. Why waste time with a bunch of different cards that limit you from the best deals anyways? With USAA, you can shop anywhere and get the rewards you want. Also, if you frequent any of the Membershop stores online, you can dramatically increase the accumulation of your total reward points.
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answered 4 years, 2 months ago
by wbarkley
Spokane, WA
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answer 2
I get the points from both my credit card and debit card.
I like to save the points for Christmas time, then order the gift cards for gifts. It works out well!
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answered 4 years, 7 months ago
by DMatt
BMatt
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