USAA Bank features two types of savings accounts set apart by the starting investment required to open them. Both accounts have variable, scaling APYs. The standard USAA Savings account requires an initial deposit of $25 or more and features APYs of 0.09 to 0.15%. The USAA Performance First account requires a large initial deposit of $10,000 or more, but also has a wider APY range, going from 0.05 to 0.30%. Like with their savings accounts, USAA offers two types of checking accounts, one basic and another geared towards profit via cashback rewards. USAA also offers accounts for children and college students. Active and new recruits are eligible for discounts. Other USAA Bank financial products include Visa Signature® and American Express® credit cards, insurance products, loans, and real estate services.

Although USAA was founded in 1922, its banking division was itself established in 1983. The USAA's Property and Casualty Insurance Group has stellar ratings across all three rating agencies we consider for companies. USAA Bank has an excellent A+ rating with the BBB despite the number of complaints. On Trustpilot, the USAA as a whole has a poor 3.1 score, but the page has yet to be claimed. Consumers may contact the company through phone call, live chat, and social media–customers can also contact USAA representatives via email. The bank's support hours are from 6:30 a.m. to 10 p.m. Central Time, Mondays through Fridays, and from 8 a.m. to 6 p.m. Central Time on Saturdays.