USAA Mobile 4+

I giving one star for all the good service the USAA app has given me over the years. USAA 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 USAA 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 USAA.

It would make sense to have the USAA credit card balance work like the checking account balance where you can see the actual balance and then a running balance that includes pending transactions. It can take time to calculate monthly spend when you have to add every single pending transaction to the actual balance of cleared transactions. Realize the budget / money manager tool can help with this but again that takes time and has value but not daily value in my opinion. When I check my checking account I see the balance and then I see running balances inclusive of pending transactions that paint a clearer picture of the true balance. Similar to the old school white transaction booklet you’d get with checks. The credit card should include running balances in real time that adjust with each transaction. Then just simply put a caveat that the actual balance only reflects cleared transactions… but having running balances that adjust in real time would be extremely helpful and more times than not will be the actual balance once everything (fuel charge for example) clears. Would like to talk this idea over with a USAA rep if possible and believe it will help those with cards and especially those who use their card for the majority of monthly spend as my wife and I do.

Thanks in advance,
Bob Heiden

I an retired, been a member for over 55 years. Used to have auto insurance, credit card and investing / retirement accounts at one time. Everything was going ok with website support. Then USAA started to drift into an online APP as primary. A good retirement interface for IRA/ROTH and regular stock investment accounts was sold or move to Schwab. So I moved my three types of accounts to another provider. So i remained with just a credit card and auto insurance. I tried to get home insurance but the process to get a quote for my home where i have lived for over 30 years was a nightmare, so i kept my old home insurance. So now the current auto insurance premiums are so high that i am looking for another insurance company. The current board does not seem to know what they are doing. They keep making decisions that seem to be just to make changes and try to fix what is not broken. It is getting to the point that everything will be broken. One special is the nickel and dime fees ($3.00) for making multi payments even if the payments accelerate the premium schedule. Also late payments when the fault is that USAA failed to post the payment on time.

So what used to be a real veteran friendly well run company with the lowest premiums, has deteriorated over time. Maybe too many money being spent in sports and tv advertising?