Who Can Join USAA?

Have you been seeing the USAA ads on TV during NFL games?  Great ads as far as ads go.  I recently found out USAA is a great company as well when USAA recently put on a blogger conference at their San Antonio headquarters. I was lucky enough to be invited.

While they did pay for my trip, they did not ask me to write about them. But I’m choosing to today to answer the simple question: who can join USAA?

As I sat down for the conference, I noticed I was one of the few non-military bloggers and non-members. While my Dad did have some military service, I can’t remember him being a USAA member. Naturally, this was one of the first questions I had about the company: could I join if I wanted to?  In short, anyone can join, but only those who’ve served (or family members of those who’ve served) in the military are eligible for their special services and benefits. USAA breaks down their membership eligibility by relationship to military service.

I won’t reinvent the wheel here, but I can tell you that someone with no relationship to the military can have a checking account, savings account, CDs, life insurance, credit card, and even do their investing through USAA.

Who Can Join USAA

If you’re on the fence about whether you think you’re eligible for one of their products or services, be sure to just call them up at 1-800-531-6597. They pride themselves on their service, so I’m sure they can help get you lined out.

Speaking of products and services, USAA has a ton of offerings in their financial toolbox. Insurance is their primary gig, but they have a nice online bank (now slowly coming offline in certain regions) which offers one of the best mobile banking apps in the industry (which has long offered mobile deposit), as well as some retirement and investing options.

USAA Services and Member Benefits

USAA Services and Member Benefits

No bank is perfect, but USAA has a lot of good things going for them. They are heavily influenced by their members and they run their operations with military precision (remember, I toured their facility).

Where USAA really shines is their commitment to their customer service. They are crazy about taking care of their members. They have a solid online community of bloggers and experts that help to ensure a well-rounded financial experience for their customers.

Looking for intelligent financial advice? Check out USAA’s on-site CFP, Scott Halliwell. Want advice from a fellow military spouse? Be sure to read the blogs by the spouse community team.

If you are in the military or have a spouse who is, I’d highly recommend you check out USAA for your insurance and online banking needs. If you’re not associated with the military in any way, it would be a mistake to dismiss USAA’s offerings. I’d like to specifically point out their life insurance. If you don’t have it yet, consider them when you’re running quotes.

Are you a USAA member? Care to share your experience in the comment section below?

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Last Edited: July 28, 2012 @ 9:49 am
About Philip Taylor

Philip Taylor, aka "PT", is a husband and father of two. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.

18 comments
Mike
Mike

I am a USAA member and served in the Marine corps. I love their services so much I told my grandparents about it because it's so cost effective and they treat their members well, and my great grandfather served twenty years in the navy. So they appeared that they would qualify and be able to benefit here however they didn't qualify to get the same benefits I do because her father wasn't a member of the bank. I feel this should be modified but I assume they have their reasons for this.

Amy
Amy

I've been with USAA for 5 years. My ex husband was in the military when we got our divorce this past year. I can still keep USAA since I was already a member. My children will be able to bank through them since they were listed under a military member. I've talked to a lot of different people over the years and have always had great customer service. I recommend USAA to everyone. They were the cheapest for insurance as well so that makes it even better!! I love the free online app as well. I just love USAA all around!!

Julian T
Julian T

This is probably a silly question, but is there a fee to join or an annual membership fee and if so, how much.

Thanks

alex
alex

ive been a member for 6 years now?  I was a member via my mom in the military and im still in it now.  so far the best bank ever. i actually left them for a bit and came back to them still the best.  USAA will probably be in my family for a long time

 

Laura
Laura

I'm a member of USAA through my dad, who is retired military. I use them for my auto insurance and I have a credit card through them as well. They are fantastic when it comes to insurance. Around two years ago I did some searching around auto insurance companies to compare pricing, and they beat everyone else, plus their customer service is great. I've never had a problem with them. I highly recommend them.

jrezer
jrezer

As the son of retired active duty military, I've been with them for 25 years. Fantastic service year upon year. They're also technologically ahead of their time, with featured like Deposit@Home and Deposit@mobile, which let you scan checks and instantly have them appear as available funds. They're a DREAM to deal with for anything related to insurance, and I've been able to cut through all the red tape and get simple answers to difficult questions numerous times. Not only that, but their user-friendliness takes the sting our filing claims. AWESOME company. Highly recommend.

Nords
Nords

30 years, so far so good. We got a great break on vehicle insurance when our daughter started driving. With three drivers on a policy yet only two cars, USAA insisted on classifying her as an "occasional driver"... even after full disclosure. It's probably the equivalent of a couple years of free insurance.

GaelicWench
GaelicWench

I am a USAA member through having served and as a spouse later. I admit to enjoying the benefits of being a member. I've always gotten great service through the automobile and life insurance dept.

Adaptu
Adaptu

I don't use USAA, but I know J$ has a bazzillion accounts with them.

Jeffrey Trull
Jeffrey Trull

I've had USAA for a year and half now, and I couldn't be more pleased. I have no military affiliation but was pleased to find that I could still have a bank account with them. Now I recommend them to everyone, military affiliated or not.

lorakathleen
lorakathleen

I've been a member of USAA for just over a year (non-military) and I could not be happier, with just a checking and savings account. I tell everyone I know about them!

ryanguina
ryanguina

I've been a USAA member for over 10 years now and I will likely be a lifelong member. If your dad served in the military, then he would have eligibility, and you could join through him later (adult children of USAA members are eligible to join). That said, anyone can use their banking and most investment services. The key difference between membership is the ability to purchase certain insurance products. It's certainly worth looking into.

Julian T
Julian T

@Philip Taylor @Julian T Thank you for the response.  I am not sure if I am eligible or not. My husband is a MIA.  I do receive VA benefits and CHAMPVA medical coverage.  I always fall into one of those confusing categories.

Philip Taylor
Philip Taylor moderator

@Julian T @Philip Taylor Their customer support is excellent. If you call that number above I'm sure the rep will be more than capable of helping you find out if you qualify. Good luck!