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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts

Question

Can I make check deposits at ATM locations

other than scanning checks in on a home PC, how else can I make deposits into this account?
Asked 4 years, 6 months ago
by grapeape
chas,sc
0points
0out of 0found this question helpful.
12 answers
Answers
answer 1
You can also deposit checks with the iPhone,
I don't know about the droid phones though.
 | Army
Separated
 | 
Ontario, California
answered 3 years, 3 months ago
by HELP USAA AND OURSELVES
Ontario, California
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0out of 0found this answer helpful.
answer 2
If you do not live close to a branch and cannot scan either with a computer or a smart phone, you have to mail in deposits. USAA provides postage paid envelopes for this purpose.
 | Army
Spouse
 | 
Indiana
answered 3 years, 3 months ago
by Larkie
Indiana
0points
0out of 0found this answer helpful.
answer 3
I don't believe you can make a deposit at any ATM location. You used to be able to make deposits at FedEx or UPS stores (although I don't know if this is still in effect).

By far, the best way to deposit if mobile banking. If you have an iphone/blackberry/droid, you can take a picture of the front/back of the check and deposit it. I do this all the time and it is so easy. The other option is that you can open a local bank account and hook it to your USAA account online, and then transfer funds easily through USAA's web interface between accounts. So you can deposit locally (via the banks ATM) and transfer the funds into your account.
answered 3 years, 3 months ago
by bredle
Detroit, MI
0points
0out of 0found this answer helpful.
answer 4
No, you have to go to a UPS store and use their scanner or use your phone/home scanner if you qualify. To qualify you or your parent have to have served.
Family
 | 
Stockton, CA
answered 3 years, 3 months ago
by DugP
Stockton, CA
0points
0out of 0found this answer helpful.
answer 5
This is an issue I have with USAA. Your options are to go to a participating UPS location or snail mail them to an address they provide. And what I found out with them is you have to take out a loan with USAA in order to qualify for depositing your checks at home. It doesn't make sense and USAA lacks BIG TIME in depositing money features.
answered 3 years, 3 months ago
by Roardogg
0points
0out of 0found this answer helpful.
answer 6
You can download a mobile app on either an iPhone or Droid and do a mobile deposit by taking pictures of the checks and following the instructions, and these are deposited instantly. Or, you can request deposit forms which will be mailed to you with return envelopes and deposit via mail. The final option is to open a dummy account at a local bank and just transfer deposited checks to USAA.
 | Army
Separated
 | 
Charleston, SC
answered 3 years, 3 months ago
by Kyle Van D
Charleston, SC
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answer 7
You can request deposit envelopes that you simply endorse the check, place in the envelope and drop in any mailbox. Your check will be deposited into your account as soon as they receive it. Process works great!
answered 3 years, 4 months ago
by mfcarpino
Lone Tree
0points
0out of 0found this answer helpful.
answer 8
You can deposit a check using your smartphone via "USAA Mobile Banking" (i think that is the appropriate name) Also there is the tried and true mail in deposit slip, but im pretty sure that they will only accept checks via mail as well. Hope this helps you out. Happy holidays
 | Air Force
Active
 | 
Hickam AFB, HI
answered 3 years, 4 months ago
by Cassovel
Hickam AFB, HI
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answer 9
One way (what I did) is to open a local checking account, deposit there, create a link between the banks and transfer the funds into USAA via Internet transfer. After set up it takes a few days for the transfer (3 banking days usually) Of course, direct deposit is the best and fastest way.

Good Luck
answered 3 years, 4 months ago
by Sandy826
Twin Falls, ID
0points
0out of 0found this answer helpful.
answer 10
You could always mail them in, but I know of no non-USAA ATM that allows deposits. You can deposit your checks into a local bank and do an ACH transfer to your USAA account, but I would recommend using Deposit@Home. I have used the Deposit@Home function a few times and have been very impressed. I just bought an iPhone so I can make the deposit process even more convenient.
 | Marine Corps
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Not Where I Want To Be
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answered 3 years, 4 months ago
by FullBird
Not Where I Want To Be
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answer 11
Some ATM's accept deposits by scan, if it doesn't look like a new machine probably not.

By mail (they provide free deposit envelops - simply click the button to request some) - it's free (even the postage is paid!) and painless (minus wait time for processing).

You can also visit select UPS stores (being rolled out on a store by store basis - 2k places eventually) or they have actually started opening a few tiny USAA branches in large metro areas (also being rolled out - under 10 physical locations open so far).

https://www.usaa.com/inet/ent_utils/McStaticPages?key=usaa_easy_deposits_main

https://www.usaa.com/inet/ent_mbr_svcs_locator/EntMbrSvcsLocator?locatorFilter=plotEasyDeposit
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answered 3 years, 4 months ago
by MCode151
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answer 12
You can also request deposit envelopes by mail. USAA mails them to you in packs of 10, and they're prepaid, so you don't have to worry about stamps. You fill out the attached deposit slip with your info and the list of check numbers and amounts and toss them in the mailbox. To order envelopes, click on your checking account online and look on the right side where it says "I want to...." Under the "View More Services" dropdown list, you can click on "order deposit envelopes" under the deposits heading.
answered 4 years, 6 months ago
by kalla
+1point
1out of 1found this answer helpful.
Question

international transfer fees

are there any fee for transfering funds from USAA to banks in Canada?
Asked 4 years, 6 months ago
by dcrocker
Arlington,Va
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
Yes, you would have to call USAA to make the transfer.
answered 4 years, 5 months ago
by NancyC
0points
0out of 0found this answer helpful.
answer 2
Yes there are. It has to be done via wire transfer:

Outgoing wire fees: $20 for domestic wire; $35 for international wire.

Domestic and international U.S. dollar wire requests received by 4 p.m. CT, Monday through Friday, will be processed the same day.

Foreign currency wire requests received by 4 p.m. CT, Monday through Friday, will be processed same day. (International requests only)

Allow 2–7 banking days for international wires in foreign currency or U.S. dollars to post.

Allow one business day for domestic wires to post.

All wires are subject to funds availability verification. USAA cannot guarantee the exact time the beneficiary account will receive the credit due to varying processing times from bank to bank.
answered 4 years, 5 months ago
by Fishbate
Fort Stewart, GA
0points
0out of 0found this answer helpful.
answer 3
It depends on what kind of transfer you're referring to. Wire transfer are $20. Funds transfers are free. Call USAA to verify the transfer you're referring to is possible with the means you prefer.
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answered 4 years, 6 months ago
by Mandy07
Phoenix, AZ
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0out of 0found this answer helpful.
Question

Cash Deposites

Is there any way to deposite cash into USAA banking without having to deposite it into a local branch and then having the funds electronically transferred?
Asked 4 years, 6 months ago
by NY Joe
Nanuet, NY
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
You can always request a deposit envelopes from USAA. They are mailed to you. You then can get a postal money order and fill it out to yourself. Mail the postal money order filled out to yourself, endorsed by yourself, and then mailed back in the deposit envelope.
answered 4 years, 5 months ago
by Taylor
Corpus Christi TX
+1point
1out of 1found this answer helpful.
answer 2
Unfortunately since USAA does not have many branches, making electronic transfers would be your only avenue for making a deposit to your USAA account. Keep in mind, if you add your external bank account to USAA.com, you will be able to request the funds from that account and up to $300 will be made available to you immediately, rather then sending the funds from the external bank account which can take longer and could possibly even have a percent surcharge or flat fee to transfer the funds.
answered 4 years, 6 months ago
by Rick G
San Antonio, TX
0points
1out of 2found this answer helpful.
Question

Does the debit card work like a visa/mastercard check card?

Asked 4 years, 6 months ago
by Anonymous
bossier city,la
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Yes. You can either use your PIN #, or they can swipe it at the register when you buy something.
answered 4 years, 6 months ago
by kalla
0points
0out of 0found this answer helpful.
answer 2
Yes, the debit card can be used like a Visa/Mastercard since it is a check card.
answered 4 years, 6 months ago
by Rick G
San Antonio, TX
+2points
2out of 2found this answer helpful.
Question

How do I add someone to my checking account?

Would like to do this online.
Asked 4 years, 6 months ago
by Dude
Los Angeles
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
If you need to convert an account to a 'joint type' I'd suggest contacting USAA (ask if they can become a member and get a separate login as well etc).

Else on your own self-serve you can open another joint (but it will be a new separate account #, different checks, and be sure to update any direct deposit pay stubs if you plan on closing the single account).
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answered 3 years, 4 months ago
by MCode151
0points
0out of 0found this answer helpful.
answer 2
You can not do it online, you have to contact USAA for this and they will send you a signature card form for you and the other person to fill out.
answered 4 years, 6 months ago
by USAF1
NY,NY
+1point
1out of 1found this answer helpful.
Question

Can I transfer from a foreign bank to my USAA checking account?

Asked 4 years, 6 months ago
by PapaLeo
Riverside, CA
0points
0out of 0found this question helpful.
3 answers
Answers
answer 1
Yes, you will have to get with you other bank. You only need from USAA the address, your account number and the routing number to USAA (special number for overseas locations)
answered 4 years, 5 months ago
by NancyC
0points
0out of 0found this answer helpful.
answer 2
Yes you can. Here is the informaton on how to do it. Just click (or copy/paste) the link below.

https://www.usaa.com/inet/ent_utils/McStaticPages?key=banking_wire_transfer_instructions&SearchRanking=1&SearchLinkPhrase=wire transfer
answered 4 years, 5 months ago
by Fishbate
Fort Stewart, GA
0points
0out of 0found this answer helpful.
answer 3
Not on the USAA website. The reason: the other bank must have an account and 'routing' #... and 99% of the time, foreign banks do not have a routing # they have 'swift codes'.
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answered 4 years, 6 months ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
Question

Can I deposit checks made out to my LLC?

I don't need a business account, but I sometimes get checks made out to an LLC that I own. Will USAA allow me to deposit those checks in to my personal checking account? I can provide paperwork upfront that confirms I am the owner of the LLC.
Asked 4 years, 6 months ago
by mtbCO
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
An LLC is a Limited Liability Corporation which in turn is its own entity. Hence, I do not believe they can deposit checks made out to it into your personal account. You and your LLC are separate entities...
Besides, even if they could you would not want to do so because you would then be blurring those lines of separate entities...
answered 4 years, 5 months ago
by VisionQuest
Boulder, MT
0points
0out of 0found this answer helpful.
answer 2
No. The only reason is because the bank where the money is coming from will not honor the deposit. You must deposit those checks into the account it belongs to.
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answered 4 years, 6 months ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
Question

Is there on line bill paying?

Asked 4 years, 6 months ago
by KittySue
NewWaverly, Texas
0points
0out of 0found this question helpful.
8 answers
Answers
answer 1
Under your My Accts screen there is a tab that says Payments on it. Clickon the tab and set up your bills and then you can set them to draft automatically or pay them whenever you want. You will need your logins, accts, and passwords for some. I have been doing this for over a year with 0 issues. Hope this helps.
answered 4 years, 5 months ago
by xtremehumpdog
North Carolina
0points
0out of 0found this answer helpful.
answer 2
YES
answered 4 years, 5 months ago
by BBS Security
NV
0points
0out of 0found this answer helpful.
answer 3
Definitely. Works very well.
answered 4 years, 5 months ago
by Mack
TX
0points
0out of 0found this answer helpful.
answer 4
Absolutely and it works like a charm. I receive e-mails from USAA when certain bills arrive, requiring future payment. For other bills that are not linked with USAA, it is so simple to set up the payments for whatever date you wish- future or present. Easy to use and dependable, I am very satisfied with USAA's bill-pay program.
answered 4 years, 5 months ago
by Medtech
Virginia Beach, VA
0points
0out of 0found this answer helpful.
answer 5
yes
answered 4 years, 5 months ago
by burlybiker
NC
0points
0out of 0found this answer helpful.
answer 6
USAA has the best and easyest FREE bill pay.
answered 4 years, 5 months ago
by chipperrr1
missouri
0points
0out of 0found this answer helpful.
answer 7
Yes there is online bill pay. You can set it up yourself on the site once you're enrolled
answered 4 years, 5 months ago
by aperson26
DFW Metroplex, TX
0points
0out of 0found this answer helpful.
answer 8
Yes. On the right hand side, click on pay bills. Then if you're not registered to pay external bills, click sign up. OR it will say 'add a payee'. If you need further assistance... call 1-800-531-USAA. :)
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answered 4 years, 6 months ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
Question

If you overdraft your account, does it affect your credit score?

I was driving across country, and accidentally overdrafted my account. I have never done this before, and am trying to correct it asap, but it is difficult to because USAA only allows MasterCard for cash advance. I sent money to my account, but it will not arrive in my account until roughly around the 13th. I overdrafted on the 7th. Does anyone know if the overdraft will affect my credit score?
Asked 4 years, 6 months ago
by Jon Doe
Fort Lewis, WA
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
No, your credit score will not be impacted.

However, if you remain overdrafted for an extended period, it will show up on a system called ChexSystems. Anytime you try to open a new checking or savings account, any bank in the US will run a ChexSystems report and they can see you are overdraft and owe USAA money.

If you correct the overdraft within a few days don't worry about it, no one will know.
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answered 3 years, 5 months ago
by jessep
Ann Arbor, MI
0points
0out of 0found this answer helpful.
answer 2
For future reference. We always have our checking account tied to an overdraft account such as savings or credit card in case of such an occurance. There is no fee for that service and it certainly saves all those other EXPENSIVE returned check etc fees you incur.
Second, no it shouldn't affect your credit score if you resolve the overdrafts and make good on your payments. Otherwise the vendor may have the right to contact credit reporting agencies.
answered 4 years, 6 months ago
by usaa fan 2
Destin,Fl
+3points
3out of 3found this answer helpful.
Question

I just finished my vacation with extra travelers checks, can I deposit them electronically?

I tried to Deposit Via my Iphone @mobile, I receive a message that I will have to mail my checks in.
Asked 4 years, 6 months ago
by JJay
San Francisco, CA
0points
0out of 0found this question helpful.
2 answers
Answers
answer 1
Was the message specific like it recognized they were slightly different/travelers checks? Or was it just a bad scan? (weaker camera, background, etc)

I'd still try Deposit@Home from a computer with a scanner when you get the chance.

If not the deposit envelopes are free and painless (minus the short wait for processing) - you can even take a copy of them first for 'insurance' should they be lost in transit.
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answered 3 years, 4 months ago
by MCode151
0points
0out of 0found this answer helpful.
answer 2
that happened to me when the pic does not come out to clear. normally when the checks have that black lines embedded into them.
answered 4 years, 6 months ago
by pdh1979
Colorado Springs, CO
0points
0out of 0found this answer helpful.