topic Re: USSA Member question in Credit Cards

USSA Member question

Anonymous — Sun, 03 Aug 2014 23:15:25 GMT

I started a membership with USAA about 3 years ago,for the credit monitoring service. I have not used the account for 2 1/2 years. I can still log in. I have heard you dont have to have been in the service to open a checking/savings or credit card etc. When I try to open an account it says im not eligible. Says have to be a service member or familly member. Well I have seen plenty of post, where people say different. Also I was raised by my uncle, who was in the navy, would that count?

Re: USSA Member question

ezdoesit — Sun, 03 Aug 2014 23:21:50 GMT

@Anonymous wrote:
I started a membership with USAA about 3 years ago,for the credit monitoring service. I have not used the account for 2 1/2 years. I can still log in. I have heard you dont have to have been in the service to open a checking/savings or credit card etc. When I try to open an account it says im not eligible. Says have to be a service member or familly member. Well I have seen plenty of post, where people say different. Also I was raised by my uncle, who was in the navy, would that count?

I would check their website if that doesn't help then I would call. I have a credit monitoring service also and had 2 now 1 cc. I am a full member because my father became a member (which a made him) at that time he just had to open up one I think it was insurance product.

That was just last year, since then I have opened up an account for my wife and children. To open up the account I had to just give his name and I don't remember either his SS# or service date.

Re: USSA Member question

Anonymous — Sun, 03 Aug 2014 23:31:53 GMT

I may have to call im locked from applying for anything

Re: USSA Member question

Bman70 — Sun, 03 Aug 2014 23:43:35 GMT

I believe they've changed to be more insular recently, similar to NFCU, no longer opening non-military connected memberships:

"USAA Federal Savings Bank, effective to August 27, 2013, closed all membership to non veterans. In other words, unless you can connect yourself to someone in your family or have some form of military service (as defined by USAA), you cannot be a member. Back to the fall of 2009 it was that way and even restrictive to military personnel. If you are a member of USAA as a non veteran you can remain a member as long as you have active account(s), except you cannot participate in property and casualty products. All other military based memberships remain unchanged."

Penfed honestly has better credit cards I think, and is still open to anyone who donates to their causes ($15 or $20ish).

Re: USSA Member question

barbaralee — Sun, 03 Aug 2014 23:44:52 GMT

Yeah, they changed it. You have to be military affiliate or family to be eligible for their products now.

Re: USSA Member question

ezdoesit — Mon, 04 Aug 2014 00:01:35 GMT

@Bman70 wrote:
I believe they've changed to be more insular recently, similar to NFCU, no longer opening non-military connected memberships:

"USAA Federal Savings Bank, effective to August 27, 2013, closed all membership to non veterans. In other words, unless you can connect yourself to someone in your family or have some form of military service (as defined by USAA), you cannot be a member. Back to the fall of 2009 it was that way and even restrictive to military personnel. If you are a member of USAA as a non veteran you can remain a member as long as you have active account(s), except you cannot participate in property and casualty products. All other military based memberships remain unchanged."

Penfed honestly has better credit cards I think, and is still open to anyone who donates to their causes ($15 or $20ish).

Wait so can I get Life or Auto Isurance? I recently started a quote online for life didn't complete it but they have called me a few times to asked if I wanted to complete it.

Re: USSA Member question

creditfan — Mon, 04 Aug 2014 00:12:13 GMT

@ezdoesit wrote:
@Bman70 wrote:
I believe they've changed to be more insular recently, similar to NFCU, no longer opening non-military connected memberships:

"USAA Federal Savings Bank, effective to August 27, 2013, closed all membership to non veterans. In other words, unless you can connect yourself to someone in your family or have some form of military service (as defined by USAA), you cannot be a member. Back to the fall of 2009 it was that way and even restrictive to military personnel. If you are a member of USAA as a non veteran you can remain a member as long as you have active account(s), except you cannot participate in property and casualty products. All other military based memberships remain unchanged."

Penfed honestly has better credit cards I think, and is still open to anyone who donates to their causes ($15 or $20ish).
Wait so can I get Life or Auto Isurance? I recently started a quote online for life didn't complete it but they have called me a few times to asked if I wanted to complete it.

the differences; full members get more products available then limited memberships

Re: USSA Member question

elim — Mon, 04 Aug 2014 00:20:59 GMT

Is there a way to tell if you are a full member or not on the USAA website? when i'm logged in?

Re: USSA Member question

Anonymous — Mon, 04 Aug 2014 00:22:09 GMT

USAA used to be closed to most non-military. They opened it up the fall of 2009. Then as you have read in this thread they narrowed the membership virtually back to what it was for pre 2009.

Re: USSA Member question

ezdoesit — Mon, 04 Aug 2014 00:50:31 GMT

@Anonymous wrote:
USAA used to be closed to most non-military. They opened it up the fall of 2009. Then as you have read in this thread they narrowed the membership virtually back to what it was for pre 2009.

So if I was a full member thru my father before I can no longer get all their products now that they have changed back? I thought it was always opened to military and family of military with full membership.

Re: USSA Member question

Anonymous — Mon, 04 Aug 2014 00:55:56 GMT

ezdoesit - The changes affect new applicants. Existing members will still enjoy membership at the level they had when the account was opened.

Re: USSA Member question

creditfan — Mon, 04 Aug 2014 01:11:31 GMT

@elim wrote:
Is there a way to tell if you are a full member or not on the USAA website? when i'm logged in?

if you can get their property and car insurance products then yes, you're fulll member, otherwise

Re: USSA Member question

ezdoesit — Mon, 04 Aug 2014 01:17:12 GMT

@Anonymous wrote:
ezdoesit - The changes affect new applicants. Existing members will still enjoy membership at the level they had when the account was opened.

So new applicants can only be military that stinks. I guess I can't open an account for my daughter I guess I shouldn't of procrastinated.

Re: USSA Member question

Anonymous — Mon, 04 Aug 2014 07:25:20 GMT

ezdoesit - you can call USAA for that question. Likely as long as you are already a full or limited member you can open the door for their membership. USAA was closing the door to people that were not eligible as miltary personnel and/or family connections to military personnel and were not eligible directly or through some other member. USAA was formed by military personnel for military personnel. It is in their roots back to the 1920's. Except for that one brief period of time they opened the membership more broadly, they have been true to their military roots.

Re: USSA Member question

Bman70 — Mon, 04 Aug 2014 01:59:03 GMT

@ezdoesit wrote:
@Anonymous wrote:
ezdoesit - The changes affect new applicants. Existing members will still enjoy membership at the level they had when the account was opened.
So new applicants can only be military that stinks. I guess I can't open an account for my daughter I guess I shouldn't of procrastinated.

If you were a full member through your father (your military link) then you should still be a full member and your daughter counts as family too. Call USAA though and ask - their customer service is great.

Re: USSA Member question

irrational — Mon, 04 Aug 2014 02:04:46 GMT

@Bman70 wrote:
@ezdoesit wrote:
@Anonymous wrote:
ezdoesit - The changes affect new applicants. Existing members will still enjoy membership at the level they had when the account was opened.
So new applicants can only be military that stinks. I guess I can't open an account for my daughter I guess I shouldn't of procrastinated.
If you were a full member through your father (your military link) then you should still be a full member and your daughter counts as family too. Call USAA though and ask - their customer service is great.

This.

My wife and I signed up in 2006, right after getting married. Her father was military, and had an active USAA account, so he was our link. We're full members and have auto and home insurance through them. I've never used their banking products, but I highly recommend their insurance. Amazing rates, and outstanding customer service.