Thanks for explaining. So you don't consider a bank negotiating a car deal is a bank 'product' or service? I've not yet used it, but it is only one of many services that USAA has offered me over the years. I've had hours of financial planning service for free from USAA, so this fits right in. -Zer (who does not consider this to be a non-bank product, as the bank does the negotiating/financing, etc.) DaveHanson said: Zer92780, I negged your car post not because it isn't useful information--it is--but because OP is trying to keep this thread on the specified topic of USAA BANK products.

Why not start (or contribute to) a new thread devoted to USAA's non-bank products? I envision one for benefits available to "full" military eligible members, and one for non-eligible members. EDIT: Since reading about USAA on FWF, I've discovered that I'm not quite getting all the "full" benefits (such as the USAA SSavingsAcct dividends/membership that is not available to military dependents, except to widows of officers/NCOs). I do have auto insurance at a very good rate and bank accts and several annuities with USAA Insurance (a separate division from USAA banking). There may be more than two categories of membership at USAA. Perhaps it's time to alert USAA to this USAA discussion thread at FWFinance and to ask for clarification from the org itself?

andoelonis said:What is USAA's policy on deposits made at other bank's ATMs? If they support this, when does this type of deposit become available?

I ask this question because I don't want to open an account with them only to find out that my current method of transferring funds (ATM Deposit>PSECU>PayPal Pull>Paypal Push>Presidential) is faster.

do not think you can do that.

kpc88 said:Unless the USAA policy has changed in the past year, I think you can do a credit card cash advance, up to $500 per credit card, into you checking or savings account at any time, not just for initial funding.

Interesting, will that be considered as "purchase" as some FWers posted above?

New Performance Index Rates:

Daily bal less than $10,000 1.30 1.31 $10,000
Daily bal $10,000 - $24,999 2.82 2.86 $10,000
Daily bal $25,000 - $49,999 3.07 3.11 $10,000
Daily bal $50,000 and over 3.17 3.22 $10,000
Annual Percentage Yields
apply for deposits
received by 08-25-05

After I got my USAA number from phone, I login and try to open a checking account.
But I met this problem:

--------------------------------------
You must call USAA

We do not currently have enough security information to grant you access to this portion of the site.

You must contact us to establish usaa.com access.
--------------------------------------

Do I have to call them again to open an account?

TheBigDon said:
You need to open the accounts by phone, unless you have a differnt product with them.

Done. Need to wait for 24-48 hours to access my opened checking account.

In response to a few previous posts: USAA does not use Chexsystems. You can not make deposits at non-USAA affiliated ATMs, although you can make withdrawals. I've been a full member(former commissioned officer) since 1969, so would happy to answer questions with which I'm familiar.

Thanks OP. I opened an account today, and it couldn't have been easier.

Does anybody have usaa mutual funds experience ? I was speaking with one of the reps today about mutuals funds vs capitalone savings.

Oh, I think this pertains to the tiered membership stuff, about who is eligible for what benefit, like auto insurance or the USAA SSAcct that pays dividends to elite members (which I'm not). I thought we might get a clear stmt from the horse's mouth at USAA about this tiered membership. It sure is not spelled out plain, and the CSRep I called and talked to had to be pinned down before she would 'fess up to knowing anything about any SSAcct. When I said tiered membership, she said OH, NO, IT'S NOT TIERED, but I don't know what else you call it. SSAcct appears to be a benefit for USAA employees and for military officers/NCOs (and their widows). I'm glad I found out about this, after decades of being a member and not realizing that there is stuff I've never heard about. That's just another benefit of reading posts here at FWF. Got an answer to a question I never thought to ask about! -Zer zry said: Zer92780 said: Perhaps it's time to alert USAA to this USAA discussion thread at FWFinance

Say WHAT???

For everyone else: I realize it's OT, but I just can't help it. Please excuse me.