USAA Mobile Reviews

by Froogalmom

I agree with the previous reviewer who said USAA is designed to look “pretty” but is not aimed to help customers. Same goes with the redesign of the website.
I need to see my transactions for specific periods, in the order in which they were deducted, with a corresponding remaining balance. Neither the new app design nor the website redesign allow us to do this. We are stuck having to view the transactions with the newest coming first. The website itself allows you to upload “older transactions” but then you have to wait until a few upload and then hit “upload others” a few more time to get the whole picture. What a waste of MY precious time to accomplish something that I could accomplish in a flash with the previous iteration. There was NOTHING wrong with giving us access to more data and letting us sort it the way WE wanted. Now we have access to LESS data (no longer can view the balance associated with EACH transaction, can only see a few transactions in the order that this app wants us to see it). WHY?! And good thing that I’m not a first adopter and haven’t updated my iOS to iOS 14 since it seems your app isn’t even compatible with it from all the other reviews.

by Victoryordefeat

Update: Redesigned brokerage and accounts. This has been the final nail in the coffin as the new one is worse than the old. Not user friendly, extremly slow (not data's fault) loading, crashes, doesn't load at times, extra steps to get to the same place as before, and more. I have a few brokerage accounts and this one; after the update, will be closed.

Application crashes often when trying to sell. Most times I have to buy or sell from laptop because USAA crashes every time I try to make a sale above 100,000 shares. Limitations on what companies you can buy also makes both this app and its app more of a novice investment tool as trying to actually buy and sell on large income transactions is far too advance for this app brokerage platform. Often times the stocks will hit your limit price but this app will not sell or buy. They claim the price doesn't reach that level but according to the market and every other market tracking tool they are wrong. Bottom line, I am always on the go and the this app brokerage section of USAA is inferior and impractical for real traders. I find myself on the line with their brokers/technical support trying to get them to wave transaction fees due to this app IT errors etc. than anything else.

by Jim8596

Utilizing this app’s website support resulted in my being locked out of all of my banking for four days now and counting. I have been told that the earliest resolution will be in 3-7 business days. No bill pay, no account access, no nothing. Website support has told me multiple times that they have never had the issue they are seeing with me before, but they also tell me there is nothing they can do to correct the problem and that they are unable to contact their IT support directly to check progress or get more data on the troubleshooting of the problem. this app has simply gotten too big. I have been a member for 22 years and at this point I am moving my banking to a smaller credit union so I have access to actual in-person customer service. I am incredibly disappointed I have to take this action and extremely irritated I have been forced into this by poor management. Everyone I have spoken to at this app has been as nice as possible, but they are utterly unable to resolve my IT problems due to no fault of their own, but simply by the ridiculous divisions of departments and their utter inability to resolve issues without submitting “trouble tickets” with no ability to get updates on the process and estimates of “3-7 business days” at best. Being locked out of your banking for over a week at a bank that is ENTIRELY online is unacceptable. After decades of membership, I am moving on.

by JayLacDaddy

I have been a loyal customer for 19 years. Well BAM! that ends today. My 2020 Nissan was damaged when I hit a animal a few weeks ago. The car has been in the shop for 3 weeks and this app gave me a rental(I pay extra for this in my policy). Today, 1 hour before I was to report for duty, I had on my uniform, getting ready to walk out the door and I get a call that my car is ready for pick up. I call this app and let them know and the female agent tells me that I can not keep the rental car and have to return it before the end of the day. The agent literally tells me to call in sick and I had no choice but to return the rental or I would be charged for the car. So I call my Lieutenant and call in sick, drop off the rental, pick up my 2020 Nissan, get 1/4 mile down the road and BAM, the car is not working. I get the car back to the dealer and they tell me they will have to keep the car. I call this app and they tell me they can not help, refuses to get me a rental and tells me the auto claim is closed! HELLO my car is still in the shop, it is not drivable and this app tells me that I am out of luck! The dealer also says to me that it’s not their responsibility to get me a rental car! So now I am at home, no car, uniform, duty belt, vest and boots next to my front door, no way to get to work and have to either call an Uber or see if another fellow law enforcement employee can give me a ride to work! this app has let me down!

by Hathvrks

I’ve been a this app customer for over 10 years now and up until this last couple of years it’s been a good experience. But now, for some reason, things have changed and not for the better. First off, we had to order new checks. And for some reason when we got them my wife’s name was changed to her name before we were married. Her previous name was never linked to this app so how they got that mixed up is anyone’s guess. So after over an hour on the phone with multiple people we got that fixed. Or so we thought. We got the checks with the correct names on them but all other correspondence still shows her previous name. So, after over an hour on the phone again, we got it changed. But now she’s not on our savings account. So once again another phone call at over an hour again and multiple people talked to they changed the account. All we need to do is sign the signature card that they would send us in the mail and email. And guess what, no email and no snail mail. So I guess when I have the time to sit on the phone for over an hour I will call them again. this app used to be a great company to do business with. They took pride in taking care of their customers. Now it seems like they couldn’t care less about the people who trust them with their money. I guess I will be looking for a new bank in the near future. Sad. Just plain sad.

by CalSnoHound

I giving one star for all the good service the this app app has given me over the years. this app was an leader in digital banking with early Mobil deposit and good simple layout with lots of options. Sadly those days appear to be done. The late 2017 update was a massive step backwards, in features and stability. Multiple check deposit is gone, why? One used to be able to take several check pictures in a row, assign them to separate accounts and deposit at once, done. With that option removed putting in 5 checks can take over 20 min, endlessly cycling through the repetitive menus over and over again. The camera used to work well and now it's very jumpy and difficult to focus, and is auto photo taking gone too? Seems like I have to try to dance around with the moving blue box and then push the shutter my self at just the right second. This process used to be automated.

I wish I could have to old version back, it was better all around. Maybe this app hired an new developer? Maybe they had to build from the ground up to incorporate new security? Maybe they just lost their minds. But they certainly bungled this update.

Many recent reviews all follow this tone more or less. Let's hope there are open ears and and changes in the works at this app.

by Anyfreenicknames?

I moved to a new phone and USAA required me to log back in. There was a security verification that says I have no primary phone number. That’s not true. The website recognized and uses my +44 UK phone number (stored in my this app profile as my primary number) for security verification. USAA only seems to recognize US numbers (which I don’t currently have because I’m in the UK for a few years). There’s another issue with the Apple wallet, this app cards, and USAA. Apple wants to open USAA to enable the card, but the button doesn’t actually do anything but open USAA . It used to work. I suspect it may be related to adding the card again after it’s been removed for some reason (like by moving phones). So it may work fine if it’s the very first time you activate the card. I also found out that there’s another, different mobile wallet section under the … on the main menu (the other one is under the individual card menu). This one displays the cards and has an add to Apple wallet button, but when I tap the button it says “auth info unavailable”. Finally, USAA support link here goes to their website. They have no way to report these issues. If you try, you end up with a chatbot. If you tell it “mobile app bug”, it says the only way to do that is to send them a letter to a physical address.

by Timbofosho

With that said, I’ll also declare that I’ve had several banking services providers over the years and none come CLOSE to this app in any conceivable way. They are ALWAYS at the forefront of technology-even while others are just figuring out how to make “online banking work”, this app has long ago integrated facial recognition, digital deposit, and more. This review reflects ONLY on how the iPhone app and the Apple Watch app interact (or rather, refuse to work together!) with each other. When I got the watch, no this app info would pull up on the watch. After speaking with tech support, I was able to uninstall and reinstall USAA and then get my accounts to pull up on the watch. However, one day later, I’m trying to log into my phone app and it has me recertifying Touch ID and accepting the legal jargon. Once that logs in, I go to the watch app and it’s back to how it was-the logo comes up and the circle spins around saying “loading accounts”, but nothing happens. I did some Google research and found others asking about the same problem through the this app forums. Something about the Touch ID and login on the iPhone prevents the Apple Watch from displaying account data...can we get a technical expert to look into this please?

by RGEarley

I can’t say enough good things about this app. Been using them for decades, and have always been pleased. Although I don’t use USAA often, it is responsive and reasonably easy to find most things. The security verification is very easy and quick (I seem to recall it wasn’t always that way, seemed to always want me to re-authorize TouchID, but now I can get right in). The only reason for four stars instead of five is that the communications information from this app seems quite hidden

I got an email from this app telling me there was a new document, and it included a link to open to read it. There are so many phishing scams out there, I avoid clicking links in emails, especially for access to financial accounts. So I opened USAA . I thought surely the fact that I had a new document would be fairly prominent on USAA , but not so. I had to click on the little icon in the corner with my initials (I only tried it after checking literally everything else that might get there); it was a total of 5 clicks from there to get to the new document. I post this in the hopes that someone connected with USAA will see it and provide some sort of button on the home screen with a badge showing how many new documents are available.

by A.Blanco

I am VERY dissatisfied with the customer care service, provided for regarding my this app credit card. On Saturday, Feb 1, 2020, between the hours of 11:40pm and 12:00am Feb 2, 2020, I notified customer service department of my this app credit card to inform them, I will using my credit card in NJ, throughout the night and to allow the transactions and not block the card, assuming that it wasn’t used by the authorized user. The customer representative acknowledged my instructions. Later, that night, I received numerous notifications to verify said transactions. I acknowledged and consented. However, my card was declined and blocked. I made numerous calls to this app to unblock the card or determine the nature of the decline but I still have not been connected with a representative!!!!! I called THREE times. Each attempted, I was put on hold and notified, my wait time was not expected to longer than 5 minutes. That attempted, I was on hold for 25 minutes!!! The second attempted, was to be expected 10 minutes and it was another 20 minutes. I am calling, again. The expected wait time was to be 10 minutes and I am STILL WAITING!!!!! WHAT THE HELL IS GOING ON?!?!?!?!!!!

by Most Greatful

I have been with this app for at least 10 years now. Best thing I ever did was sign up with this app. They have helped me through bank insurance disasters with my home and autos and bank fraud, not to mention having the best banking app ever. I can easily handle all my bill payments with ease, set up reminders or pay automatically and without worry. I can see and understand all my insurance documents with a click and add, delete or store my vehicles.
When my son was overseas and someone got into his account leaving his wife upset they stepped up and helped figure it all out. When my mom needed a loan they were there with no problem. My sis home and autos were totaled due to golf ball sized hail they were there. When my house was hit by major storm they were there. Car financing they were there. Best bank for customer service ever and no nickel and dime charges like other banks.

Thank you this app
I have helped both of my children, my daughter in law, my mother, my ex-in-laws and some of their relatives that had former military experience all switch over to this app.

by Memphis Willie

I continue to love USAA and normally always rate five stars. However I wanted to make sure that you are aware that the new version sometimes appears for me and sometimes it’s back to the old. One out of three times that I open USAA , when it now pops over to a detour screen, the biometrics login fails and it brings me to a blank login page. At first that angered me because I had to fill everything in manually to login. But then I learned that I could simply kill USAA and re-open and the next time biometrics usually kicks in and I am able to login automatically. I’m sure you will get this fixed quickly which is why I am passing along my details.
For the few times that the new version has appeared, I like the look and feel. I think you are heading in the right direction.
I really hope that the new version will fix the gap that has always existed regarding payments and categorization. If I schedule a check to a payee, when it shows up in the check register, all information about the payee is lost. I have to open each image to identify, rename and recategorize. Why???? That should be so easy to fix.
Many thanks.

by Arodj123NoHelp

Filed a disclaimer regarding some credit card transaction that happened while my credit card was away from my possession. Was reached by the fraud investigator to speak about the situation. After I explained the entire situation once again (which I had previously wrote as part of the disclaimer process) I was declined due to the card not being used to the max. Because of my situation, I completely disagree with the process. Now I have to pay for an individuals who decided to use my card for there own personal enjoyment. Also if the decision to decline the claim has already been made, I don’t see the point of making the account holder go through the entire process of re-explaining the situation when the investigator should already have all paperwork from the filed disclaimer. The claim process was initiated early January and the decision is finally made two month later. The process is redundant and a waist of my valuable time. No help what’s so ever.

by Vanishing Features

Update: I am changing my rating to 4 stars. The “add a transaction” feature magically reappeared today. Which means it was either a massive glitch or a design whoops. Why am I so passionate about this feature? Because it is the best feature of any banking app. Being able to add transactions that have not cleared yet to see where you are quickly is really nice for budgeting. So I changed my rating to 4 because either there was a massive glitch. (I updated USAA and uninstalled and reinstalled before writing previous review. I even checked my husbands this app app and his features were not there leading me to believe the this app design team had removed it.) So yeah!

The latest update has completely done away with “add a transaction” under banking. I loved this because I added automatic deductions and checks. This kept me so organized and on top of my finances. Now it has seemed to vanish. With out warning???!!!! Seriously why???? That was the best feature of any banking app I have ever used. I am so frustrated right now. I had information in there that I need and can’t get back easily. I could cry right now. Did I say I am so frustrated right now? Because, I am really really frustrated. Why? Can you PLEASE FOR ALL THAT IS HOLY, restore that and all my information PLEASE. And thank you.

by Strzebala

I’ve used this app for years without incident, loved their payment options and service and only had one problem in that time with them not pulling money for an auto loan out of my account on time.

Now I wouldn’t even give this app one star if I didn’t have to! A couple months ago one of my vehicles had the park brake fail and it rolled down my driveway and into a tree. this app pretty much wrote that vehicle off as a total loss without even seeing any pictures first! The body shop here in the small town I live in said it would be $6,000 to fix, yet this app ended up totaling it out and paying out $17,800 instead. Ever since that claim their service has been total GARBAGE! I’m continually locked out of using their app to make payments, I’m given a 2 hour runaround when I call being transferred from one person to the next, and they still have yet to contact me or drop coverage on a vehicle I told them to remove the policy from.

I’m done giving this app my money, the way I view them now is like that one friend who is great until you have an actual problem, then they turn against you. I do not recommend this app to ANYONE!

by Lani's Husband.

I made the change because my former bank couldn’t complete with the almost limitless options this app offers. The customer service exceeds my expectations every single time I’ve needed it. The customer service representative who helped sign me up and get my app started was so knowledgeable I didn’t have to ask a single question. Her name was Heidi and her confidence and professional attention was mixed with a friendliness that made the experience closer to a friend walking you though it.
My wife has been a member for years, I stubbornly stuck with my old bank. But after a series of disasters including locking my account because of a clerical error during the lockdown, deposits into my parents account although they aren’t tied together in any way, my card was hacked, had to go the bank for resolution and they destroyed my card promised a new one by weeks end… it took five weeks and the final straw, USAA locked me out of my card because of an incorrect password. Yup, all done with them now.
I honestly couldn’t be happier I switched.
And just so it’s in writing… My wife was right.

by Rajsky187

First off, I have been this app for 15 years. They have changed a lot over that time. I used to Brag about how great they are. Not any more!!! My debit card has been declined 5 times in the last 4 months ( twice in one day) because they say it’s fraud protection. The problem is it’s just normal everyday use, not crazy purchases. I have to spend 20 minutes on hold to get it reactivated. Even more importantly, I can’t use my money when I really need to. I used to be able to call and speak with someone in a reasonable amount of time, not anymore!!! I have not navigate an automated system for 10 minutes, then I finally get a real person who every time puts me back on hold for another 10 minutes or longer. In my opinion, this app has gotten too big. They have traded true customer support for more cost effective automated systems, lower paid people that don’t know what they’re doing. I will be switching to a local credit Union today. I suggest you do the same! In closing, they aren’t for vets and active duty personnel anymore. They are exactly the same as any other giant bank!!!! Sad

by A Highly Satisfied Member

I have been a this app member for 60+ years and have experienced over the life of my membership that you can’t beat this app for service and dependability. You might find a slightly lower homeowner insurance rate, for example, but I assure you that in the long run, this app will provide a better product and a higher quality of service for your money. Several homeowners in my neighborhood recently suffered severe hail damage to their roofs, gutters, and downspouts (many homes had the roof rated as a total loss). One neighbor was told by his insurance company that they would not cover the hail damage to his downspouts because they were still capable of removing water in spite large dents. The fact that the appearance of his home was diminished made no difference to his company. this app covered my loss completely! That is just one small example that established in my mind that this app is there to serve its members while some other companies try to find a way to avoid paying a claim. The this app Subscriber Savings Account is another way this app serves its members by reducing the cost of insurance. I believe you will not find a better company than this app to meet your insurance needs.

by Kymwill

I’ve been with this app for well over fifteen years if not twenty . I’ve been completely satisfied up until this year . In May 2020 I was fortunate to still be working while many across the world were home quarantining . As an essential worker I had an on the job injury caring for my patient . My workers Comp check started coming in . I live in MS so the nearest this app branch is at Kessler Air Force Base which is an hour and thirty minutes away so I chose to deposit my checks via mobile banking out of convenience. Well after six months of depositing the checks on a weekly basis they decided to withhold over sixty percent of my check until the following week . That’s making only forty percent available. In the midst of a pandemic my funds are being held up. It’s crazy and it’s a disgrace . Six months that’s four checks a month, twenty four Workers Comp checks that have cleared with no issues yet my funds are being with held. It’s bad enough I’m off work but what little I receive my bank holds over sixty percent for an entire week . I’m closing all accounts . They aren’t serving me any purpose and I’m having surgery next week .

by Colt1550

I have been with this app for some, well, let’s just say it is more than 40 But not 50!!!! Throughout, I have found that in hurricanes, earthquakes, floods or even day to day grocery store or mall trips, no matter the personal or public tragedy, this app has ALWAYS been there with a shoulder to lean or cry on and have through their sensitivity supported all of its members in a calming, caring and comforting way. When you have to call with a problem, they stand up and are counted and go the extra yards to help its members get up and back on their feet and back to as normal and fast and efficiently as possible. I have not enough praise and kudos for them. I salute them and thank them from the bottom my heart and hope to pass the word that companies, made up of people like you and me, can continually excel in their endeavors on all levels. It is so refreshing and gives me hope for our stress filled fast paced life that we are struggling through. Thank you to each employee from the very top to the bottom of the entire and complete organizational chart and ALL of the personnel therein. Keep up the great job!!!!!

by Kiogalia

When my husband created the account the representative he spoke with spelled my name wrong. It was ridiculous how difficult it was just to correct that. Of course I didn’t find out immediately. It was when I tried to login to USAA about 10 minutes later. I could not set up my account until I called them. It took 45 minutes to fix my name and get the account set up to use. Then they mailed my debit card with the name spelled wrong. That took another 30 minutes to fix. USAA is less than impressive and the new fingerprint login doesn’t work at all. I have signed the permission form to use it multiple times only to have it tell me it has been activated and then immediately take me to the screen that shows me it is not activated. You can’t use the slider bar to activate because it doesn’t remember that you have already signed permission to use it. It takes you back in to sign permission every time. And I tried to use the chat feature to ask about it which was a joke. The chat was a bot not an actual person and it told me it could not understand my question. So I gave up. Maybe one of the future updates will fix it. Maybe not. I just hope the bank is better than USAA .

by Crisflexx

USAA itself is ok, I really don’t care about USAA . My review is about their customer service. By far this has been the worst! THE WORST! customer service I’ve ever had! It is Dec 23, 2017 and yet they cannot resolve my problem with my account SINCE Oct 2, 2017 . For unknown reasons , no warning at all! they blocked my access to my account. Since October I have not been able to use any of my funds in my account,or anything at all. I have called every other day since October and all they do is transfer me from one office to another. I’ve had to send in many, many countless documents for they can VERIFY my identity. It went from trying to unblock my account to verifying my identity. Nothing has been verified! After countless documents , phone calls , emails! They cannot verify my documents to confirm my identity. I’ve had enough of this! I will continue to call and try to get this resolved. But the moment I have access again I will be DONE with this app for good. They are just the worst! I would imagine being military they would treat us with respect and in a timely manner . But now I know that they don’t care. this app deserves ZERO stars.

by Cliff Flambert

This use to be my favorite bank. I was their # 1 promoter, telling everyone how wonderful this bank was. One day someone hacked my account and stolen $5000 from me and the fraud prevention team never gave it back stating that some how I was involved. Since then i move on to navy federal. Now I’m terrified to leave any of my money in a this app bank. I am a realtor, restaurant owner, and federal law enforcement officer. To do fraud on myself for $5,000 is something I would never do as a federal government employee. I’ve been with this app for over 7 years, gotten multiple loans and paid them all off without a signal late payment and have never committed any fraudulent activity any of my accounts. They were aware that I was having identity theft issues prior to the money being stolen. To loose $5000 and have your trusted bank suggest you were involve was my breaking point. If a can give a negative star I would. A $5,000 loss isn’t something someone can just walk away from but the bank does this because they know that It would cost me more in attorney fees to File a law suit against them.
I never in a million years I thought my bank of 7 years+ would rob me like this.

by Randreview

USAA used to run really well. Now it is positively awful! It keeps throwing random errors and taking forever to not just capture a pic, but then half the time, no, make that almost all the time, rejects the first few attempts, saying that it cannot read the numbers, although they're crystal clear and centered perfectly within the outline. Today I got a random box with nothing but an ok button to click inside it after it captured a pic. And when I click to deposit, without fail, the first attempt results in an error, requiring me to hit deposit again. Further it can take upwards of 20 seconds to tell me whether or not it can accept the pic. And then another long wait just to tell me when my funds will be available. (Really, is that a necessary step before depositing??) Finally, it used to allow me to serially enter multiple checks before depositing, and now that feature is gone too. I had to deposit 5 checks today, which should have taken no more than 5 minutes, but when it was all said and done, it was 17 minutes. My business class internet connection is working just fine, but USAA is terrible!

by PrincessRC89

My husband and I have been using this app bank since 2013. We used to love them! Then one day they put some of my check on hold out of the blue. When asked why did they start doing this, we were told “because we do this sometimes to verify that it’s your check going into your account.” We’ve been depositing checks to this account since 2013 and all of a sudden you have to verify whether or not my hard earned money is mine or not?! Because of this, it put us behind on bills and over-drafted our account which was a whole new mess. They also pulled money out of accounts that we did not have and caused us to over draft our accounts several times. It takes forever for whatever is pending to come out and it takes transfers forever to go in. My husband and I live In Kansas. The closest this app bank is in Texas so we have to use the mobile banking part of USAA I order to bank with them. I wish we had a closer bank so we we could deposit our checks that way. We are currently looking into switching banks because this app is causing us a lot of unnecessary stress.

by Big F Little U

The reason I came to this app in the beginning (10 years ago) is they allowed me simple remote access to my accounts where I could easily manage my money. They really made other banks look stupid and way behind times. This feature is being hindered by the new rules where we have to write this statement on our checks in this certain way to deposit at mobile! I do not care what the reason is behind this new rule I’m sure some idiot was cashing checks in two places or something but whatever it is is not going to make me change my mind on the subject. Instead of punishing the masses for the crimes of the few you should just kick them out of your bank and no longer serve them. If you’re going to make it more irritating to put my money in your bank then guess what... I’m not going to put anymore money into your bank. It’s that simple! In fact I will take my money elsewhere. All of it. Every check is different and some do not leave room for this nonsense. I don’t like adding ink to documents that the document legally does not require. That simple! If you don’t want our money then just say so instead of piling on nonsense rules. The person(s) who thought this was a good idea should be removed from the team of people who come up with good ideas. Really dumb! Everyone agrees. Believe me.

by DAC Zero

I have found USAA to be very simple and easy to use. Although they have had issues in the past they have been very good at fixing said issues in an expedient manner. Perhaps what I like most about USAA is my ability to control my accounts no matter where I am in the world. The travel alerts were particularly helpful in two events where my card number was compromised. My account was monitored for suspicious spending activity and within minutes of a compromise the card was shut down and I was notified. The professionals at this app asked me about a charge in the states while I was working in Europe. Needlessly to say I was impressed because had I not turn in my travel advisory I would have never known my card number was compromised. I was able to get a new card within 10 days to my location. The this app app allows me to take more control of my accounts. Thanks this app for making it easier to monitor my accounts anywhere in the world.

by LaBaleineBleue

I love this app, and their app is just as wonderful and easy to use! They always make everything convenient and easy for their customers. I really like that I can add other accounts into USAA to keep track of all my finances, even if they’re not this app accounts. I can add my bills and see my credit cards from other sources all in one place. I can send money quickly and easily using Zelle within USAA , and I can also customize how I see various accounts. It’s a very intuitive customer experience.

My only issue is when using some of the features, like the financial score or the car buying service, I can’t go back without completing resetting whatever I had already done. It’s pretty annoying, but in general, I still love USAA. I would love to see that fixed, but I still recommend this app to everyone I know.