USAA Mobile 4+

Update: I am changing my rating to 4 stars. The “add a transaction” feature magically reappeared today. Which means it was either a massive glitch or a design whoops. Why am I so passionate about this feature? Because it is the best feature of any banking app. Being able to add transactions that have not cleared yet to see where you are quickly is really nice for budgeting. So I changed my rating to 4 because either there was a massive glitch. (I updated the app and uninstalled and reinstalled before writing previous review. I even checked my husbands USAA app and his features were not there leading me to believe the USAA design team had removed it.) So yeah!

The latest update has completely done away with “add a transaction” under banking. I loved this because I added automatic deductions and checks. This kept me so organized and on top of my finances. Now it has seemed to vanish. With out warning???!!!! Seriously why???? That was the best feature of any banking app I have ever used. I am so frustrated right now. I had information in there that I need and can’t get back easily. I could cry right now. Did I say I am so frustrated right now? Because, I am really really frustrated. Why? Can you PLEASE FOR ALL THAT IS HOLY, restore that and all my information PLEASE. And thank you.

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’ve been a USAA customer for years, and I’m never the person to give a business a 1 star review, but I’m super disappointed with USAA. I deposited my paycheck via mobile deposit and everything seemed good. I use this account to pay for gas, rent, and other bills so after I deposited my check I paid those bills. I then check my account balance, and I find out that there is a 7 BUSINESS DAY hold on my paycheck, and my account is now in the negative because I’d been spending MY money. I called customer service to see what was going on and to explain that I will now have to pay late fees for my bills, as well as an overdraft fee because I didn’t realize that there’s a 7 DAY HOLD ON MY PAYCHECK. I asked, begged for them to take the hold off my account and they all said they couldn’t. I live paycheck to paycheck I can’t just not have any money for 7 business days, this is absolutely ridiculous, I’ve never heard of something like this happening. I’m extremely disappointed by the service I’ve received, and I want to warn everyone who deposits their paycheck make sure you don’t need your money for an entire week after!