Hi all - I have been on the forum for quite a while but I think this is my first post. Anyway - I have been using USAA for my banking but I would love to get access to some of the cooler features they offer (Deposit@Home, Insurance, etc...). Does anybody know of any loopholes to get access to this? I am not military (My dad was be separated before the cut off) and my brother is a Marine currently deployed in Iraq. Any thoughts would be great. Thanks in advance for your help.
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As far as I know with USAA there are no easy loopholes for insurance eligibility. Join the military, join the Foreign Service (U.S. Diplomat), marry somebody who has USAA eligibility or have the foresight to be born to somebody who is eligible . I have USAA because dad was an foreign service officer and I was insured by them through him originally and when I moved out since I had already been covered by them I was eligible on my own. My wife is now eligible even if we got divorced because once you are in you are in.
I truly love USAA but honestly there are other good options out there. Amica was as highly rated as USAA for insurance by Consumer Reports recently. And honestly on their banking side while they do some innovative stuff like deposit at home and their iphone application there really are some equal or better options out there for most everything they provide.
Message edited by: secstate on 2009-09-08 10:45:06 CDT
I'm in the same boat. I did call USAA a couple of months ago and the service rep indicated that they would be reviewing (and expanding) their eligibility in September. So if your father was separated before the cut off, he may soon be eligible.
Lastly, there is one more way to join USAA that the previous poster didn't list: get hired by them.
You can come up with a mailing address in San Antonio / Bexar county. There are many suggestions in this thread for establishing membership in "nontraditional" ways.
retmil said:You can come up with a mailing address in San Antonio / Bexar county. There are many suggestions in this thread for establishing membership in "nontraditional" ways.
Does that trick work for insurance? I thought that was only to get access to the bank side which is open again anyway. OP wanted access to the insurance side of the house.
secstate said:retmil said:You can come up with a mailing address in San Antonio / Bexar county. There are many suggestions in this thread for establishing membership in "nontraditional" ways.
Does that trick work for insurance? I thought that was only to get access to the bank side which is open again anyway. OP wanted access to the insurance side of the house. You are right, banking only.
USAA just expanded their eligibility to cover non-Military and non-Military dependents: https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose_usaa_eligibility_main&wa_ref=wcu_main_eligibility
derived said:USAA just expanded their eligibility to cover non-Military and non-Military dependents: https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose...That doesn't include the additional features that the OP described (Deposit@Home and insurance). Please correct me if I'm wrong, as I'd love to get in on those features.
Because of the recent change, you can start doing some family tree hunting to see if anyone was in the Military . If a grandparent served (and was honorably discharged), then the parent can join. Once the parent joins, you can join. For example, husband and wife are not Military , not USAA members. Wife has a grandfather who served and discharged. 1.Wife gets grandfather to join (maybe easier said than done). 2.Wife's father joins because the grandfather is now a member. 3.Wife joins as father is now a member. 4.Husband joins as he's married to wife.
A little convoluted, but if you really want their insurance it's an option. You can always try and skip step 2 by calling and asking.
t60 said:derived said:USAA just expanded their eligibility to cover non-Military and non-Military dependents: https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose...That doesn't include the additional features that the OP described (Deposit@Home and insurance). Please correct me if I'm wrong, as I'd love to get in on those features. Non-Military people can get insurance if their parents or current/former spouse are members.
If you have eligibility in one of the better credit unions, you may be better off there for banking. USAA can't touch what I get through my credit union. 4% on balance transfers and credit card purchases for Christmas. Same online services as USAA. Southern Farm Bureau on insurance rates and dividends has been better for me than USAA would have. I have a primary membership as a 2nd lt. in Nam. USAA is very good but they are not always the best especially after McDermott retired.
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. I have USAA because dad was an foreign service officer and I was insured by them through him originally and when I moved out since I had already been covered by them I was eligible on my own. My wife is now eligible even if we got divorced because once you are in you are in.
