USAA’s main customer service number is 1-800-531-8722, available 24 hours a day, 7 days a week, 365 days a year including all federal holidays. Members calling from overseas can reach USAA at 1-210-531-8722 — collect calls are accepted. USAA membership is limited to US military personnel, veterans, and their immediate family members.
USAA Customer Service Numbers
| Service | Phone Number | Hours |
|---|---|---|
| General banking & insurance | 1-800-531-8722 | 24/7, 365 days |
| Overseas / collect calls | 1-210-531-8722 | 24/7 |
For a full list of department numbers, see USAA’s contact page.
How to Reach a Live Person at USAA
Call 1-800-531-8722 and follow the prompts for your product type (banking, insurance, investments). USAA’s phone tree is relatively short. Have your member number and PIN or the last four digits of your Social Security number ready.
What to Have Ready Before You Call
- USAA member number
- PIN or last four digits of your Social Security number
- Account or card number (if applicable)
Use the App Instead of Calling
The USAA mobile app handles many common requests:
- Lock or unlock a card instantly
- File and track insurance claims
- Check account balances and transfers
- Chat with support during extended hours
For more on USAA banking and eligibility, see the USAA guide.
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