how to join usaa

USAA (United Services Automobile Association) is known for providing exceptional financial services to military members and their families. If you’re eligible, joining USAA can offer you access to top-tier insurance, banking, and investment products. This guide will walk you through the process of how to join USAA and start benefiting from their services.

Who is Eligible to Join USAA?

Before you start the application process, it’s essential to understand who is eligible for USAA membership. USAA membership is open to:

1. Active, retired, and honorably separated officers and enlisted personnel of the U.S. military.
2. Officer candidates in commissioning programs (e.g., Academy, ROTC, OCS/OTS).
3. Adult children (18+) of USAA members who have or had a USAA auto or property insurance policy.
4. Widows, widowers, and former spouses of USAA members who had a USAA auto or property insurance policy while married.

How to Join USAA: Step-by-Step

Step 1: Gather Necessary Information

To streamline your application process, gather the following information:

• Personal Information: Full name, date of birth, Social Security number.
• Military Information: Branch, rank, service dates (if applicable).
• Family Member Information: If you’re joining based on a family member’s service, you’ll need their information as well.

Step 2: Visit the USAA Website

1. Navigate to USAA.com: Open your web browser and go to USAA.com.
2. Find the Membership Section: Look for the “Join USAA” button or link, usually found at the top of the homepage.

Step 3: Complete the Online Application

1. Start Your Application: Click on “Join USAA” to begin the application process.
2. Provide Eligibility Information: You will be asked to confirm your eligibility. Select the appropriate option based on your or your family member’s military status.
3. Enter Personal Details: Fill in your personal information, including name, date of birth, and Social Security number.
4. Verify Military Status: If applicable, provide your military details or those of your family member.

Step 4: Set Up Your Account

1. Create a Username and Password: You will need to create a secure username and password for your USAA online account.
2. Set Security Questions: Choose and answer security questions to protect your account.

Step 5: Review and Submit

1. Review Your Information: Double-check all the information you’ve entered to ensure it’s correct.
2. Submit Your Application: Click the “Submit” button to complete your application.

Step 6: Confirmation and Activation

1. Receive Confirmation: You should receive an email confirming your membership status.
2. Activate Your Account: Follow the instructions in the confirmation email to activate your USAA account.

Benefits of Joining USAA

Once you’re a member, you’ll have access to a wide range of financial services and products. Here are some benefits of joining USAA:

1. Insurance Services

USAA offers various insurance products, including:

• Auto Insurance: Competitive rates and excellent customer service.
• Homeowners and Renters Insurance: Comprehensive coverage options.
• Life Insurance: Policies to protect your loved ones.

2. Banking Services

USAA provides a suite of banking services such as:

• Checking and Savings Accounts: No monthly service fees and extensive ATM network.
• Credit Cards: Various options with rewards and low APRs.
• Loans: Auto loans, personal loans, and mortgages with competitive rates.

3. Investment Services

USAA’s investment services include:

• Brokerage Accounts: Access to a wide range of investment options.
• Retirement Accounts: Traditional and Roth IRAs.
• Financial Planning: Personalized advice and planning services.

4. Discounts and Perks

USAA members enjoy numerous discounts and perks, such as:

• Shopping Discounts: Savings on various retail products.
• Travel Discounts: Discounts on car rentals, hotels, and cruises.
• Auto Services: Discounts on car repairs and maintenance.

Frequently Asked Questions

1. Can Non-Military Individuals Join USAA?

Generally, USAA is designed for military members and their families. Non-military individuals cannot join USAA unless they have a direct family connection to a current or former USAA member.

2. What Happens if I Leave the Military?

Once you are a USAA member, you can retain your membership and continue using their services even if you leave the military.

3. Can I Add Family Members to My Account?

Yes, your spouse and children can be added to your account, allowing them to benefit from USAA services.

4. How Do I Contact USAA for More Information?

If you have additional questions or need assistance, you can contact USAA customer service through their website or by calling their support line.

Conclusion

Joining USAA is a straightforward process if you meet the eligibility criteria. By becoming a member, you gain access to a wide array of financial services and benefits tailored to the needs of military families. Follow the steps outlined in this guide to join USAA and start taking advantage of their exceptional offerings today.