General questions
Based on your checking account balance, we'll move small amounts of money, $9 or less, up to four times a week into your savings.
It's based on how much you have in your checking account. If you have a lower balance, we'll automatically transfer a smaller amount.
No. The specific amount that's transferred each time is determined automatically, but you can increase or decrease your overall savings efforts by texting "save more" or "save less" to 548-722.
No. These transfers are separate from any of your purchases.
No. We only consider your available checking account balance.
We'll never make a transfer if it puts your balance below $100, so a Text Savings transfer won't cause an overdraft. However, there may be additional payments processed after the Text Savings transfer on the same day that may be returned due to nonsufficient funds or that may result in an overdraft, and incur an overdraft fee, if the checking account does not have enough funds to pay them.
In addition, the Text Savings doesn't consider your scheduled transactions. So, if you have just enough to cover a payment and a Text Savings transfer goes through, that transaction could cause your account to be overdrawn and incur an overdraft fee.
If you're concerned about overdrafts, you can learn more about overdraft protection.
To help you save without having to make transfers yourself.
No. The service is free, but carrier messages and data rates may apply.
Reply "text off" to your daily update text. You'll still receive monthly texts.
To turn daily texts back on, you'll need to send "text on" to 548-722.
You can send any of these commands to 548-722. Make sure you enter them correctly to receive a response.
Total Saved: This displays the total amount you've saved.
Bal or Checking: This displays your checking account balance.
Savings: This displays your savings account balance.
Save More: This increases the amount you're saving.
Save Less: This decreases the amount you're saving.
Text Off: This turns off your daily text messages, but you'll still get a monthly text.
Text On: This resumes your daily text messages.
Save Now (amount): This transfers your specified amount from checking to savings. For example, texting "save now 25" will transfer $25 from your checking to savings.
Last Transfer: This displays the last amount transferred.
History: This displays the last three transfers in your checking account. To see additional transactions, log on to usaa.com or the USAA Mobile App.
More: This displays a list of commands.
Help: This displays USAA's phone number in case you need assistance.
Stop: This cancels enrollment in Text Savings.
Text "stop" to 548-722.