USAA Customer Service

Phone Number & Contact Info

USAA's Best Phone Number

Toll-free·Calls Customer Service·Most popular USAA number

How do I talk to a live human at USAA?

A:When the voice prompts begin, press #, then enter the 5-digit extension and then hit # again. The human will transfer you to the right department.

Does USAA offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 8am-5pm CST. The least busy day is Thursday, and the most busy day is Monday.

How long will I wait on hold?

A:The average hold time is 89 minutes. The longest hold times are on Friday, and the shortest are on Monday. How is this calculated?

USAA Customer Phone Numbers

Car Insurance

Toll-free · Mon-Fri 8am-5pm CST · Press 0 after each prompt or say "Representative" or "Deployment" · Enter your USAA or social security number. If you are not a member, press 1.

Financial Advisor

Toll-free · Mon-Fri 8am-5pm CST · Press *8 at the beginning, and then press 0 when you get to the Main Menu. · Enter your USAA or social security number. If you are not a member, press 1.

Roadside Assistance

Mon-Sun 8am-5pm CST · Calling this USAA number should go right to a real human being · Enter your USAA or social security number. If you are not a member, press 1.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this USAA phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: When the voice prompts begin, press #, then enter the 5-digit extension and then hit # again. The human will transfer you to the right department.
Here is how our research team describes the way the USAA phone system greets you: Enter your USAA or social security number. If you are not a member, press 1.
Below are some clips we've found from USAA's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Welcome to USAA. For English, press one. Or stay on the line. Your call may be monitored or recorded for verification, authentication, and quality assurance. To reach an extension, press the pound key."
Excerpt from a call with USAA
Thursday, January 4, 2024 8:56 PM

They may ask your reason for calling (instead of a menu)

"To get you to the right place, briefly describe what you're calling about."
Excerpt from a call with USAA
Tuesday, March 26, 2024 3:18 AM

They may ask you to enter information with the dial pad

"Welcome to USAA. For English, press one or stay on the line. Your call may be monitored or recorded. For verification, verification, authentication, and quality assurance.
To reach an extension, press the pound key.
Otherwise, please enter your USAA or Social Security number."
Excerpt from a call with USAA
Saturday, June 15, 2024 5:38 PM

They may ask you to say or enter information

"Welcome to USAA. For English, press one or stay on the line. Your call may be monitored or recorded for verification, authentication, and quality assurance.
To reach an extension, press the pound key.
Otherwise, please enter please say or enter the extension."
Excerpt from a call with USAA
Friday, June 14, 2024 11:48 PM

What are the hours and when should I call?

USAA operates the call center for this 800-531-8722 phone number Mon-Fri 8am-5pm CT. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 827 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this USAA phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like USAA staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call USAA is Thursday. The most busy day to call is Monday, which averages 43% more phone calls by comparison. Again, this is based on a sample of 827 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Friday.

The best time to call USAA

In summation, the best day to call USAA is Thursday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that USAA staffs the call center well on Thursday.

Calling this USAA Customer Number

Jeff Whelpley is the editor / author responsible for this content.
Nov 20, 2023

I have been seeing the commercials for USAA insurance and was surprised to learn from the commercials that you don't have to be a vet to qualify for their services. You just have to have a veteran in your family, so with that in mind, I thought it was worth calling to see what they could offer me in terms of home insurance. 

I bet they are getting a lot of callers recently for the same reason: the campaign is pretty widespread, and I see it on TV ads while watching Hulu quite a bit. Plus, current policyholders probably call about claims or issues with their insurance policies frequently. Therefore, being on hold for a while would not be unexpected, but the process wasn't too bad. While I did have to wait, it wasn't an inappropriate amount of time. 

When I first called, I was greeted by a virtual assistant who stated, "Welcome to USAA. For English press 1, or stay on the line. To reach an extension, press the pound key. Otherwise, please say or enter your USAA number or social security number. If you are not a member, press 1."

I pressed one, and it replied, "Okay, you’re not a member. If you are a business or need help with a claim, press 1. If you are interested in joining USAA or want to learn more about our products or services, press 2." I didn't press the two button right away, and it started to talk again but changed the order of what it said. That was a little confusing, and this time through, I made sure to get the option picked right away. Throughout the call, I noticed that it didn't really understand me when I talked. It's a better option to just press the button option. 

After pressing 2, it said, "Thanks, tell me one of the products you are calling about." Then it gave me a list of possible options and added that I could say "membership questions" or ask for more options. I was calling for home insurance, so I said that, and then it had me put my ZIP Code into the call. 

I was then placed on hold, and it took about 12 minutes, but when I got through, I was able to talk to an agent who spoke clearly and answered my questions about my eligibility and their available home insurance premiums. 

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why Customers Call USAA

If you have time to do a bit of reading before you call USAA, we recommend you read over some of our problem-specific articles.

What are the fees associated with USAA investment accounts?

The fees associated with USAA investment accounts vary depending on the specific type of account and investment products chosen. USAA offers a range of investment options such as mutual funds, individual stocks and bonds, as well as managed portfolios. Generally, these investment products have associated expense ratios and other fees, which may include brokerage fees, transaction fees, and advisory fees. The expense ratios typically cover the costs of managing and operating the investment funds. It is important to thoroughly review the prospectus or offering documents for each investment product to understand all applicable fees. Additionally, some accounts may have minimum investment requirements or maintenance fees. USAA strives to provide transparent information about these fees to help investors make informed decisions.

Does USAA offer mortgage loans?

Yes, USAA does offer mortgage loans. As a trusted financial institution, USAA recognizes the significance of homeownership and provides a range of mortgage options to its members. Whether you are a first-time buyer, looking to refinance, or purchasing a new home, USAA offers competitive rates, flexible terms, and dedicated mortgage specialists to assist you throughout the process. With USAA's mortgage loans, members can benefit from features like low down payments, VA loans for eligible military personnel, and jumbo loans for higher-priced properties. USAA's commitment to exceptional customer service extends to their mortgage loan services, ensuring a seamless and hassle-free experience for members seeking homeownership solutions.

What is the maximum daily ATM withdrawal limit for USAA accounts?

The maximum daily ATM withdrawal limit for USAA accounts depends on the type of account you have. For many USAA accounts, the daily limit is $1,000. However, if you have a USAA Classic Checking account, the limit is $500. Some higher-tier accounts, such as USAA Bank Youth Spending and USAA Performance First, have a higher daily limit of $2,000. It's important to note that these limits are subject to change and may vary depending on individual circumstances or account specifications. To get the most accurate and up-to-date information regarding your specific account, it is recommended to contact USAA directly or refer to your account terms and conditions.

Top USAA customer service problems

Click the link above to get answers to just about any USAA customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to USAA, and their purpose. Are any of these similar to the reason you are trying to call?
Seeking information on insurance claim: "My son was in a car that was rear ended by your insured."
- From a call lasting 10m 47s , Jun 14, 2024 11:48 PM
Issues with account and service: "I've had been having a problem with my bank account where I've reset it five times and then every time it tells me, like, you know, no."
- From a call lasting 13m 14s , Jun 11, 2024 5:29 PM
Identity verification: "This is Rex Bond."
- From a call lasting 4m 10s , Jun 3, 2024 6:32 PM
Spelling email address: "Let me spell out my email address for you: j as in John, n as in Nancy, v as in Victor, three zero five two at hotmail dot com."
- From a call lasting 4m 39s , May 29, 2024 6:48 PM
Homeowners claim inquiry: "Just wanna make sure it went through so that I can call the roofing company."
- From a call lasting 11m 6s , May 24, 2024 8:15 PM
Furniture delivery issue: "I was trying to put it together and try to attach it, it wouldn't attach because there was two male pieces."
- From a call lasting 23m 4s , May 22, 2024 6:26 PM
Follow-up on open claim: "Hi. I have an open claim and, basically, it was a State Farm person that rear ended my wife."
- From a call lasting 6m 9s , May 21, 2024 6:11 PM
Adding car to insurance: "Hi, I'm purchasing a new car and need to add it to my insurance policy."
- From a call lasting 7m 36s , May 21, 2024 5:36 PM
Issue with debit card: "The card kinda was not working for me."
- From a call lasting 17m 23s , May 16, 2024 9:51 PM
Reset password assistance: "I just need to get a reset link for my password."
- From a call lasting 37m 20s , May 14, 2024 7:12 PM

More USAA Customer Service Contacts

There are of course other ways to contact USAA customer service besides the phone. Below we list the best ones, by medium.

USAA Customer Service on X (formerly Twitter)

@USAA_help - Customer Service
Customer service Twitter feed
USAA, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

USAA Customer Service on Facebook / Messenger

Some customer service teams, like that of USAA, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.

USAA Customer Help Desk / Web Support

usaa.com - Customer Service
Online customer service support
usaa.com - Claims Support
Use this link to find customer service help through their website
As a last, sometimes only, resort- USAA customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is USAA's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a USAA agent. This phone number is USAA's best phone number because 146,520 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-531-8722 include Coverage Questions, Cancel Account, Make a Claim, Check on a Claim, Roadside Assistance and other customer service issues. The USAA call center that you call into has employees from Arizona and is open Mon-Fri 8am-5pm CT according to customers. In total, USAA has 4 phone numbers. It's not always clear what is the best way to talk to USAA representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for USAA. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like USAA. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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