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Security Center

Find out how to keep your accounts and money safe, and  how to report fraud.

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Let’s work together to keep your accounts safe.

Select the security topic you’d like to learn more about.

We use advanced security tools to help safeguard your money.

24/7 account monitoring

We check your accounts for unusual activity. If we detect anything questionable, we’ll alert you right away.

Proactive fraud alerts

We’ll tell you about potential fraud through the mobile app, text alerts, email or phone. This will let you check the activity quickly.

Secure online access

We use advanced encryption and multi-factor authentication to keep your account safe when you log on.

Additional verification

When you log on for the first time, or if we see strange activity, we’ll use extra steps, like a one-time passcode, to make sure it's really you.

Safe connection to apps

When you share your USAA account with an app or company, we make it secure. We ask them to connect directly with us so you never need to give your USAA password.

We have tips to help you avoid scams.

Fraud is on the rise. Explore our resources and get to know common scams so you can stay safe.

Learn about common scams

Help protect yourself with these strategies.

Use a strong password.

Choose a password that's hard to guess to better protect your accounts.

Keep contact info up to date.

We need to reach you quickly if we spot something unusual with your accounts. Check and update your contact information to make sure it's correct.

Customize your account alerts.

Set alerts for your account balance or when a withdrawal exceeds a set amount.

Use digital payments.

Reduce the risk of check fraud with secure, fast digital payments with people you know and trust.

Keep your devices healthy.

Update your web browser, apps and operating system to the latest version to strengthen your security. Always use secure Wi-Fi.

Boost your account security and stay informed.

Get extra security at log on.

You can use multi-factor authentication, biometrics or other logon options.

Learn about logon options

Go paperless.

Help protect your account information from being lost or stolen through the mail.

Go paperless

Know the scam red flags.

Avoid scams and stay safe by learning scammers' common tricks.

Learn about scams

Help protect a loved one from financial abuse.

Every year, older people lose billions of dollars to financial abuse. Their losses are usually more than those of younger people. Seniors are often targeted because of their large assets and their trusting nature. 

Sadly, the people who do this aren’t always strangers. They can be caretakers, business associates, new friends or even family members. The emotional impact can be just as devastating as the financial loss.

Get to know the signs of financial abuse.

Seniors can sometimes be tricked by those they trust. You can help protect them by watching for warning signs.

Unusual financial activity

This could include unexplained credit card use, large withdrawals, unpaid bills, missing checks or new names on accounts.

Changes to official documents

Sudden changes to property titles, wills, powers of attorney or other documents could mean someone else is trying to get control.

Physical or social isolation

When an older person is isolated from friends or family, it could be because someone new in their life is trying to control or take advantage of them.

What to do if you suspect financial abuse.

Need more help? Get support from

Other helpful resources

American Bankers Association (ABA) Foundation
ABA helps older Americans by giving tools and resources to banks and consumers. They also have a free presentation about safe banking for seniors. Learn more about American Bankers Association Foundation

Eldercare Locator

This is a service from the U.S. Administration on Aging. It helps connect you to services for older adults and their families. Call them at 800-677-1116.

Money Smart for Older Adults

This is a free program that teaches older adults and their caregivers about money safety. It helps them learn how to stop financial abuse and make smarter money choices. Call them at 877-ASK-FDIC (275-3342). Learn more about money smart for older adults

National Adult Protective Services Association (NAPSA)

This platform is a place to share knowledge, solve problems and improve care for older and vulnerable adults. Learn more about the national adult protective services association

National Elder Hotline

This is a free resource from the U.S. Department of Justice (DOJ) to fight fraud against older Americans and help victims. Call them at 833-FRAUD-11 (372-8311). Learn more about the national elder hotline

Have the talk.

If you notice the signs, check in with your loved one. Sometimes they may not know what's happening.

Involve others.

If your loved one can't or doesn't want to talk about it, ask other family members or friends you trust for help.

Contact their financial institution.

Depending on what happened, the bank or financial institution might protect their information and funds.

Report the abuse.

Don’t be afraid to report questionable behavior to Adult Protective Services or local authorities.

What's identity theft?

It's when someone gets your personal information and uses it to commit fraud by pretending to be you. They can use your identity to get into your accounts, open new credit or commit other crimes in your name.

If you think someone got into one of your USAA accounts, call us at 877-762-7256.

Take these steps if your identity was stolen.

Steps to complete Take these steps if your identity was stolen.

  1. Call the companies where fraud occurred.

    Tell them about the fraudulent activity. This includes closing any new accounts opened in your name.

  2. Contact the 3 credit bureaus.

    Get credit reports to look for fraud.

    Equifax: 888-378-4329 or equifax.com

    Experian: 888-397-3742 or experian.com

    TransUnion: 800-680-7289 or transunion.com

  3. Consider a fraud alert or credit freeze.

    A fraud alert will tell others that you might be a victim of fraud. A freeze stops someone from using your credit without your permission.

  4. File an Identity Theft Report.

    This form is available at identitytheft.gov. Or call the Federal Trade Commission at 877-438-4338.

    You can also choose to file a report with your local police department.

Learn how to tighten up your security after identity theft.

Check out tips on how to protect yourself in the second security topic on our Security Center.

Think your account was compromised? Let us know right away.

ATM/debit card

To report unauthorized ATM/debit card transactions, log on to usaa.com or the USAA Mobile App and select “Dispute Transaction” from your account activity.

Call 800-951-4539

For TTY devices, dial 711

Hours of operation for ATM/debit card fraud support

Monday to Sunday
24 hours

Note: Days and times may vary

Report card lost or stolen

Credit card

To report unauthorized credit card transactions, log on to usaa.com or the USAA Mobile App and select “Dispute Transaction” from your account activity.

Call 800-945-6759

For TTY devices, dial 711

Hours of operation for credit card fraud support

Monday to Sunday
24 hours

Note: Days and times may vary

Report card lost or stolen

Suspected identity theft

If you gave out any personal information like your password or logon credentials, call us immediately. You account’s security could be at risk.

Call 877-762-7256

For TTY devices, dial 711

Hours of operation for ID theft support

Monday to Sunday
24 hours

Note: Days and times may vary

Learn how to resolve ID theft (Opens new window)

Got an email or text that doesn’t seem right?

If you get an email or text that doesn’t seem like us, send it to abuse@usaa.com. It’s an automated system, so we can’t reply.

You can also forward any questionable texts to your cell phone provider at SPAM (7726) and follow their instructions.

Learn how to tell it’s USAA

Keep your account safe online.

Using strong passwords and safe logon methods can help stop others from getting into your account.

Logon preferences

Update or recover your online ID, password, PIN and more.

Manage preferences

Enhanced logon options

Stay safer with multifactor authentication, biometrics and more.

Explore logon options

Registration and passwords

Find out about managing digital access to your accounts.

Go to registration and passwords

More resources to help you stay safe

Elder financial abuse: How to protect yourself and your family

Article: 5 minutes

Read article: Elder financial abuse: How to protect yourself and your family

Guard against these 10 scams on service members.

Article: 11 minutes

Read article: Guard against these 10 scams on service members

Related footnotes:

  1. Safety guidelines are not intended to be all inclusive, but are provided for your consideration. Please use your own judgment to determine what safety features/procedures should be used in each unique situation.

  2. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  3. USAA means United Services Automobile Association and its affiliates.

    USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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