SOCNET

Go Back   SOCNET: The Special Operations Community Network > General Topics > The Lounge

Reply
 
Thread Tools Display Modes
  #1  
Old 18 October 2013, 09:20
EightyDeuce EightyDeuce is offline
Puttin' on the foil
 
Join Date: Oct 2003
Location: East Coast
Posts: 959
USAA

I didn't want to derail the Chase bank thread with my USAA questions. I'm interested in finally switching my banking over to them after years of saying "yeah I should look into that"

After doing some research on their website I'd like to ask some members here to share their experiences with USAA. There are no physical locations in my AO so I would rely on depositing via their mobile app or UPS stores along with direct deposit from my employer.

I'm currently depositing via my credit unions ATM if I have a physical check from my side gig that needs to be deposited. My only hesitation is if I needed to actually go into the CU and talk to someone but I'm wondering if that's even necessary now days.

Good, bad, ugly let's hear it
Reply With Quote
  #2  
Old 18 October 2013, 09:29
Justaclerk's Avatar
Justaclerk Justaclerk is offline
Drawing my cutlass
 
Join Date: Mar 2009
Location: South Florida
Posts: 8,519
Quote:
Originally Posted by EightyDeuce View Post
I didn't want to derail the Chase bank thread with my USAA questions. I'm interested in finally switching my banking over to them after years of saying "yeah I should look into that"

After doing some research on their website I'd like to ask some members here to share their experiences with USAA. There are no physical locations in my AO so I would rely on depositing via their mobile app or UPS stores along with direct deposit from my employer.

I'm currently depositing via my credit unions ATM if I have a physical check from my side gig that needs to be deposited. My only hesitation is if I needed to actually go into the CU and talk to someone but I'm wondering if that's even necessary now days.

Good, bad, ugly let's hear it
Said many times, great service. Do a search here and you'll find a couple of testimonial threads.
__________________
Quote:
Death is a farcical pile of bullshit.

I refuse to participate.

The Oatmeal
Quote:
...it could be raining pu$$y and troops will complain and blame the leadership for not providing an equal ration of a$$holes

Billy L-Bach
Quote:
In Special Forces we had a saying: "Work hard in silence, let your success do the talking."

Tracy
Reply With Quote
  #3  
Old 18 October 2013, 09:30
MakoZeroSix's Avatar
MakoZeroSix MakoZeroSix is offline
Been There Done That
 
Join Date: Aug 2006
Location: NC
Posts: 8,714
I've been with them for 10 years now. Absolutely love their service. I've got everything through them- insurance, banking, stock trading, ect.

Their fraud detection is unparalleled- if somebody steals your credit card number and buys something- they detect and lock it down immediately and call you. Happened to me twice now- charges are taken care of within a couple of days.

They refund all ATM fees- nice.

The UPS store thing is convenient- not being able to go into a branch was their only ding, but now that's taken care of through UPS.

Go for it.
__________________
Quote:
The history of the world is the history of war between secret societies"
- Robert Anton Wilson, "The Illuminatus Trilogy"
Reply With Quote
  #4  
Old 18 October 2013, 09:43
jportal50 jportal50 is offline
Confirmed User
 
Join Date: Apr 2009
Location: The Great State of Texas
Posts: 511
I have been with them since I was a teenager. Switched my banking to them approx 10 years ago. And like M06, they have all of my banking, savings, trading, etc. They are nothing short of awesome, and their customer service is unparallelled.

I have only used their mobile app for deposits; which is great. One down side I have found on the app: you can not deposit money orders if you get them by chance. It's either mail them in or UPS store. I have not attempted the UPS store BTW. Online bill pay takes some getting use to from a newness perspective if you were using the previous bank.

Another good note, your deposit funds are available the moment you put them in via app, and your Direct deposit is available the moment your employer sends them. So i get paid on Fridays, my employer sends them on Thursday morning, the funds are there on Thursday morning.

Regardless, I am happy I have been with them for so long.
Reply With Quote
  #5  
Old 18 October 2013, 09:47
specat93's Avatar
specat93 specat93 is offline
Authorized Personnel
 
Join Date: Jun 2009
Location: CONUS
Posts: 475
Quote:
Originally Posted by MakoZeroSix View Post
I've been with them for 10 years now. Absolutely love their service. I've got everything through them- insurance, banking, stock trading, ect.

Their fraud detection is unparalleled- if somebody steals your credit card number and buys something- they detect and lock it down immediately and call you. Happened to me twice now- charges are taken care of within a couple of days.

They refund all ATM fees- nice.

The UPS store thing is convenient- not being able to go into a branch was their only ding, but now that's taken care of through UPS.

Go for it.
This ^^^. Been with them 21 years now. No complaints.
Reply With Quote
  #6  
Old 18 October 2013, 09:56
jdogonroad's Avatar
jdogonroad jdogonroad is offline
Preparing to defend
 
Join Date: Jan 2010
Location: SE US of A
Posts: 2,850
Going on 30 years with them. Homeowners, primarily. Have had loans and car insurance with them at times. There is no down side to USAA, in my experience.
__________________
What is best in life:"To crush your enemies, see them driven before you, and to hear the lamentation of their women."
Reply With Quote
  #7  
Old 18 October 2013, 10:04
Hostile0311 Hostile0311 is offline
Ne Obliviscaris
 
Join Date: Feb 2009
Location: Malta
Posts: 2,454
What about living overseas? I live in Europe but have been thinking hard about having my VA stuff deposited to them. I currently bank with North Carolina State Employees Credit Union. There service has been great thus far and I'd be hesitant to upset the apple cart. But I hear so many great things about USAA that it is very tempting.
Reply With Quote
  #8  
Old 18 October 2013, 10:25
Longrifle's Avatar
Longrifle Longrifle is offline
Sound off for equipment check!
 
Join Date: Oct 2002
Location: Pergo per caligo...
Posts: 5,884
On a scale of 1 to 10, USAA gets a solid 15 from me.

I maintain a local checking account with Wells Fargo for ATM convenience, and freely shuffle funds between WF and USAA, where the bulk of my funds are maintained in checking, savings, and trading. I keep just enough in WF to avoid fees.

When we went to Germany a few months ago, I used my USAA credit card for motels, meals, and major purchases, and the debit card for ATM "mad money." They charged a 1% transaction fee, period. No daily exchange rates or other hidden charges to worry about.

I got a call from them last month saying my my card might
have been compromised, and they were sending a new one just to be on the safe side. Yeah, they are that awesome.

Whatever your vision is of an ideal bank, USAA is already there.

Except for the conveniece of having a local branch, of course.

I've been a member since 1971...
__________________
The Constitution is not an instrument for the government to restrain the people, it is an instrument for the people to restrain the government - lest it come to dominate our lives and interests. ~Patrick Henry

"Sēlre bi ghwm t hē his frēond wrece, onne hē fela murne." ~Bēowulf, bearn Ecgēowes

So, let it rock on- Genl (R) Thomas S. Woodward, Wheeling, La, 2 May, 1857
Reply With Quote
  #9  
Old 18 October 2013, 10:51
mdavid's Avatar
mdavid mdavid is offline
Been There Done That
 
Join Date: Jul 2003
Location: High Springs, FL
Posts: 710
I found USAA only a couple years ago and regret taking so long.
They will pay back up to $15 a month for other banks atm fees, zero check printing charge, zero min balance, awesome rates....and their insurance rates are VERY good, service top notch.

Their mobile app has a photo deposit module that allows you to take a picture of your check and deposit.

What's REALLY crazy is that when you call them someone helpful, who lives in the U.S. answers the phone.

I work in the banking sector, we use a industry standard called net promoter to gauge our customer satisfaction. USAA not only dominates all banks, but all other companies. Having higher customer sat scores than say Costco or Apple is pretty wild for a bank.

http://www.netpromoter.com/why-net-promoter/compare/
Reply With Quote
  #10  
Old 18 October 2013, 10:59
P38's Avatar
P38 P38 is offline
Confirmed User
 
Join Date: Mar 2005
Location: Michigan
Posts: 861
I'm in agreement with all of the positive comments above, plus they have the most friendly, helpful employees you would ever want to deal with on the phone. They always want to know what else they can do to help you, and if they pass you to another department you don't have to wait for someone to answer.

I will add that I still comparison shop and do a lot of things elsewhere. Last years refinance of my house had me leaving USAA and going to a small local bank where I got a much better rate. I also like to get pre-approved for their auto loans as the dealerships always seem to find a better rate once they see what kind of a deal USAA is giving me.
Reply With Quote
  #11  
Old 18 October 2013, 11:04
btq96r's Avatar
btq96r btq96r is offline
Calix Meus Inebrians
 
Join Date: Jun 2009
Location: Improving my Foxhole
Posts: 3,638
Been five years with USAA for me. Banking, credit card, insurance, some of my investments and never one problem. Awesome customer service via email and on the phone. Their website and app is pretty user friendly as well. Only thing I've ever heard ill's about is their home loan process.

My only regret is that I didn't switch before I did. I got BoA's "Military" account because they were inside Fort Campbell's in processing center. People were telling me to switch to USAA since about 2005 and I wanted three years to take their advice. Wish I had done it sooner.
__________________
Moderation is for Canadians.
Reply With Quote
  #12  
Old 18 October 2013, 11:13
gwbarnes gwbarnes is offline
Registered User
 
Join Date: Feb 2013
Location: Florida
Posts: 66
Joined USAA in 1968 at Benning, during IOBC. I use all of their services, and could not be more pleased. Pleased to learn that over 40 year customers get a significantly increased SSA
Reply With Quote
  #13  
Old 18 October 2013, 11:57
B 2/75's Avatar
B 2/75 B 2/75 is offline
Old Scroll
 
Join Date: Aug 2002
Location: Black Mountains
Posts: 10,965
25 year member, and am as happy as can be with their service

Never used them for a home loan, but I have heard that they are a bit lacking in that department, though
__________________

"To the last I grapple with thee; from hell's heart I stab at thee, for hate's sake I spit my last breath at thee"
Melville / Captain Ahab
Reply With Quote
  #14  
Old 18 October 2013, 12:21
Lefty's Avatar
Lefty Lefty is offline
Been There Done That
 
Join Date: Jul 2008
Location: Wisconsin
Posts: 727
Going on 40+ years with USAA, ditto on all the above. Out of the blue, sent me a $20,000 bank draft with documents saying "go buy a car, any car" Being a banker, I was instantly on guard, called them, questioned why no usual credit report etc., they said since i paid my insurance on time for xx years, they figured my credit was good. Went out and bought a PU off the lot.
When we built the lodge, I asked about insurance. They said we don't do log homes, but since you have been with us 30+ years, we'll cover you. Sent a rep to inspect the home, said we were good to go.
Credit card bennies are better than the bank I worked for, even with the bank's executive perks.
Question: Why would you NOT go with USAA?
__________________
In every organization there will always be one person who knows what is going on.
This person must be fired.

"For the mission, then. As long as he functions, I will humor him."
"If you don't humor him, you may find out how well he functions."
Reply With Quote
  #15  
Old 18 October 2013, 12:28
EightyDeuce EightyDeuce is offline
Puttin' on the foil
 
Join Date: Oct 2003
Location: East Coast
Posts: 959
This thread delivers.

I had searched the site for "USAA" and saw some 90/10 positive to negative ratio and I wanted to get some straight answers in one collective thread that will hopefully help others who search. I already have a home loan so I'm good there, I'd like to transfer a credit card and my regular checking and saving over to them.

I'll be completing the registration process tonight.
Reply With Quote
  #16  
Old 18 October 2013, 12:30
TowerDog TowerDog is offline
On the Extract Bird
 
Join Date: May 2011
Location: Keosauqua, Iowa
Posts: 107
I have been a USAA customer for 22 years now - car loans; auto/renter's insurance through the years; savings and checking accounts; credit card; and an IRA. Simply top-notch service and value.
Reply With Quote
  #17  
Old 18 October 2013, 12:52
Lassen Forge Lassen Forge is offline
On the Extract Bird
 
Join Date: Oct 2013
Location: Northeast California
Posts: 4
We're a USAA family... I've tried others, but nothing, and I mean NOTHING compares to their level of service and commitment. We do our autos, our homeowners, a couple loans, a pair of plastic cards... When we were thinking about expat'ng to Euroope, they said they'd write our auto and homeowners *over there*... no one else stateside would touch it. I have never - NEVER - had a bad experience with them, and they even bent over backwards to take care of us... You'll never regret deciding to go wwith them. I know we haven't.
Reply With Quote
  #18  
Old 18 October 2013, 16:07
BackInTheDay BackInTheDay is offline
Authorized Personnel
 
Join Date: Apr 2003
Location: Tejas
Posts: 1,211
30 with USAA. What you should understand and appreciate is why they have been so damn successful.

For decades they only allowed officers and their dependents (and FBI agents) because those people are less likely to: pay late, file bogus claims, less risky behaviors, healthier.

In other words low risk.

A few years ago they opened to NCOs then all military. You are in a risk pool that doesn't commit fraud and bullshit the system, therefore you get great rates and service.

I used to be in because my dad was an O. Now I am in because of me.

Don't fuck the club up if you aint gonna pay your bill on time. :)
__________________
"It was always harder...back in the day"
Reply With Quote
  #19  
Old 18 October 2013, 18:23
CDRODA396's Avatar
CDRODA396 CDRODA396 is offline
BTDT
 
Join Date: Jun 2005
Location: Raeford, North Pineland
Posts: 2,552
Associate member since '77 (under Dad's policy like BackInTheDay), full member since '88.

Have heard those that had problems, my Dad didn't, and I haven't. I bank and insure with them for everything.
__________________
"You cant walk on water if you dont get out of the boat," the Infamous Mike Brown

"The best place to find a helping hand is at the end of your own arm." CR
Reply With Quote
  #20  
Old 18 October 2013, 20:01
ussfpa's Avatar
ussfpa ussfpa is offline
Been There Done That
 
Join Date: Apr 2003
Location: USA
Posts: 3,439
Well...I guess I am the "dissenter" of the thread...me thinks they have gotten too big for their britches.

I have been with them for 17 years. I have pulled my investments (their -hidden- fees are 6x the market norm on average and their returns are about 7% behind the market over time)
My car insurance is more than twice that of my peers in my area (no accidents or tickets) but it is the customer service that I am paying for here which is excellent.

Roadside assistance? Frustrating, subcontracted, non English speaking EVERY SINGLE TIME I HAVE NEEDED THEM.

The last home I purchased I fired THREE of their "USAA sponsored real estate specialists" before I gave up the $1500 "bonus" for utilizing their services...

Banking, yup...still use them. Insurance only for my vehicle and am looking for a different home policy (EVERY home claim I have placed has been denied on a technicality). Life insurance? Never again - my rates went up by 60% every time I deployed or aged 2 years despite my health / PT test / Physical Exam etc...

USAA used to be my "go to" for everything...no longer.
IMHO they have gotten too big for their britches, expanded too much, subcontracted too much, and can't provide the customer service excellence that they were once known for.
__________________
I cannot empathize with a slackard, a shirker, and a coward. I would probably kick your ass as well, if one of the other members didn't beat me to it.
Happy New Year Message from TR- 1/1/04
Reply With Quote
Reply

Thread Tools
Display Modes

Our new posting rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On



All times are GMT -4. The time now is 10:48.
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2020, vBulletin Solutions Inc.
Socnet.com All Rights Reserved
SOCNET 1996-2020