USAA
Banking + insurance for veterans + family.
Who can join USAA
- Active military + veterans.
- Spouses of military members.
- Children of USAA members can join.
- Most current military families eligible.
- Not just for active duty — retirees too.
- Once eligible, lifetime member.
USAA Bank
- Free checking account (no monthly fees).
- Reimburses up to $15/month in ATM fees.
- High-yield savings options.
- Mobile app + mobile deposit.
- No physical branches in most areas.
- Excellent phone customer service.
Auto + home insurance
- Highly rated — typically cheaper than competitors.
- Auto insurance often 10-30% less.
- Discounts for low-mileage seniors.
- Bundle home + auto for savings.
- Excellent claims service.
- Annual rate shopping recommended.
Other USAA services
- Life insurance — competitive rates.
- Retirement accounts (IRA, brokerage).
- Health insurance options for retired military.
- Roadside assistance.
- Travel insurance.
- One-stop shop for veterans.
Senior-specific perks
- Mature drivers discount on auto insurance.
- Discounts for accident-free history.
- Survivor benefit guidance.
- Life insurance for veterans only available.
- VA loan refinancing assistance.
- Long-term care planning resources.
USAA app
- Bank, insurance, investments all in one app.
- Mobile deposit.
- File insurance claims through app.
- Get auto insurance ID cards.
- Talk to representatives via secure message.
- Excellent app rating — well-designed.
If eligible, switch insurance
If you or your spouse served in the military, USAA membership is one of the most valuable financial relationships available. The auto insurance alone often saves $500–$1,000/year versus other insurers. Combined with their veteran-focused customer service and senior discounts, it's worth checking eligibility. Even children + grandchildren of members can sometimes join.