USAA Federal Savings Bank

How to create and configure an authorized user in USAA Home.

Overview

USAA Federal Savings Bank allows you to grant access to your accounts by creating an authorized user.

This is done through USAA Home, where you can add a new user and choose whether they have basic or enhanced access to your account.

Bank terminology

Concept	USAA Federal Savings Bank term
Delegated user	authorized user
Admin	primary or secondary cardholder

Setup steps

1. Select account

Go to USAA Home.

Select the card you want to manage.

2. Navigate to user management

Choose My Account & Card.

Then select Manage authorized users.

3. Add user

Follow the steps to add the authorized user.

Enter the required details as prompted by the interface.

4. Configure permissions

Select the appropriate access level for the user:

• Basic access: Make payments, transfer money, request cash advances, add a temporary block, delete themselves, activate their credit card, replace a damaged or lost card, and check the mailing status of their card.
• Enhanced access: Includes all basic access capabilities, plus viewing pending, approved, and declined transactions, accessing monthly statements, and discussing transactions with a USAA representative.

Important notes

If no account access is assigned, the user will see no data.

USAA will report account information to credit reporting agencies in the authorized user’s name, which may impact their credit score.

USAA does not currently offer dedicated business banking accounts. Personal accounts should not be used for business purposes according to USAA’s account holder agreement. As a result, standard business banking features like granular delegated user roles may not be available or may only apply to personal joint accounts and credit card authorized users.

Use one user per account if separate connections are required.