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Made the BIG mistake of deleting current working automatic payment account for a different one, to pay for my auto insurance from USAA. They cannot verify the account until you login to their multi-level security account and request two deposits made to your account to verify it.

USAA then (hopefully) sends you two different temporary deposits within 1-3 days. You then hope this has happened after three days; go to your local branch within 30 days (and also before the next billing date); obtain those deposit amounts; return to USAA website and enter your three levels of security login information; find the manage accounts feature; click on the non-verified account and enter the two values from your bank. Now hope and pray the verification posts, stating that it is verified. I tried this three times with failure.

This is just and example of unethical strong-arm business practice to coerce members to use USAA banking services instead of an outside bank, and they KNOW that. Then their website login is like they are running NORAD. Except the people at NORAD actually use encoded cards and fingerpring scanners (cheap and still the best). Why don't they just require a simple fingerprint from a $19 fingerprint reader available at any computer superstore which plugs into a USB port?

I guarantee no one has ever hacked a fingerprint, which is why they are used for drug dispensers, like Pixis and by federal agencies. No, let's just add 6 more levels of numbers, symbols, arbitrary shapes and sequences of things that can be hacked, and ten minutes of hassle for you to enter it as you look it up in your digital password keeper app. Then, good luck finding anything on their convoluted, multi-level website. I know they are located in a foreign country called Texas, but this is like going back to the 1980's.

It's no wonder that their company is so archaic. Their CEO is a retired Axxx Bxxxxxxxx Gxxxxxx good 'ol boy republican with (no doubt) dinosaur thinking (which also runs the rest of our country) and keeps America where they want it: At the bottom of the list with most everything. While smaller countries with more drive and fewer resources, do more with better-educated people, and fresh, innovative decision making.

Just visit Europe or Israel. You will think you've returned to the wild west when you come back here.

Location: San Diego, California

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