Requests to stop payment
Yes. Federal law has protections for recurring automatic payments made from your account with your debit card or an ACH. You can also dispute the transaction at the same time.
- You have the right to immediately request a stop payment to prevent automatic debits from your account. And you don’t have to contact the merchant first. You can also dispute the transaction.
- We accept all ACH and debit card stop payment requests free of charge. We’ll also grant all stop payment requests if you send it to us it at least 3 business days before the next expected posting date.
Stopping a recurring automatic payment doesn’t cancel your authorization with the merchant. If you want to revoke authorization, contact the merchant in writing and ask them to stop automatic payments from debiting your bank account.
We can give you the merchant’s last known address if we know it, so you can send your written request to the merchant to stop the automatic payments from debiting your bank account.
If you contact the merchant directly, it could also prevent future transactions from posting to your account from this merchant.
For more tips, check out the Consumer Financial Protection Bureau’s article Opens in a New Window.
We can help you stop those payments if you call 800-531-8722 (USAA). But we might need 3 business days before the next scheduled transaction to stop a recurring automatic payment.
When you submit a request to stop payment, tell us the name of the merchant, payment amount and the date it’s scheduled to post.
If you want to revoke the authorization, contact the merchant in writing and ask them to stop recurring automatic payments from debiting your bank account.
We might not be able to stop some debit card automatic payments due to how the merchant sets up the payment plan.
If this happens, we’ll give you other options, like disputing the posted transaction, closing your card and issuing a new one, or closing the account.
If that automatic payment is still going through, make sure we have the right merchant and payment information by calling us at 800-531-8722 (USAA).
You might also want to contact the merchant and ask them to stop processing payments to your account. This can help cancel your payment authorization with the merchant and prevent future transactions from them.
If you dispute the transaction, we’ll help you with revoking authorization and completing any forms like the Written Statement of Unauthorized Debit (WSUD).
If the stop payment doesn’t work, you can also dispute the posted transaction, close your card and get a new one, or close your account.
No. We’ll grant your stop payment request if we get it at least 3 business days before the next payment is scheduled to post. After you submit a dispute, we’ll start an investigation right away.
No. We don’t need a WSUD, but it could help us process your dispute.
No. You don’t need to get the WSUD notarized. Just sign it by logging on the mobile app or usaa.com.
In the mobile app, go to your account and select “My Account & Card” then "View my disputes."
On usaa.com, go to your account and select "Account Services" then "View My Disputes & Stop Payments." Select the right dispute, then follow the instructions to electronically sign it.
We'll send you a letter telling you we got your stop payment request. Since a stop payment might not be successful for several reasons, you’re the best person to find out if the automatic payment was stopped.
You should monitor your account to make sure the merchant doesn’t debit your account.
If the stop payment doesn’t work, you can review your options by calling 800-531-8722 (USAA). These options might be disputing the posted transaction, reissuing you a new debit card or closing your account.
If it’s a ACH transaction, you can request a one-time or single stop payment.
If it’s a recurring debit card automatic payment, you can’t request a single stop payment. But we can help you dispute the posted transaction, reissue you a new debit card or close your account.
Yes. The stop payment will stay on your account until you tell us to start payments again.