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Subscriber’s Account distribution FAQ

How do Subscriber’s Account distributions work?

Learn what affects Subscriber’s Account distributions and how to change the way you receive them on Manage Subscriber’s Account Distribution Preferences.

Subscriber’s Account overview

Subscriber's Accounts hold part of our capital, which is the money we use to build, run and grow our business. They help us meet legal and regulatory requirements, support our operations, and pay losses.

They also allow us to us share some of our earnings with members. A portion of USAA’s capital is held in each qualifying member's name.

If the USAA Board of Directors approves distributions for the year, we may pay some of that money back to our members.

For more information, review the USAA Bylaws.

Senior Bonus distributions

It’s an additional distribution worth 10% of your Subscriber’s Account balance.

We give this to USAA members who’ve been with us for at least 40 years. We’ll notify you as soon as you become eligible.

If our board of directors approves distributions and you qualify for a Senior Bonus, you’ll receive it in mid-February.

Distribution delivery

Yes. You can choose any of these options.

  • Deposit the money into your USAA account or an external bank account on usaa.com or the USAA Mobile App.
  • Apply it to your USAA auto and property insurance bill.
  • If you’re eligible for a Senior Bonus distribution, you can leave the money in your Subscriber’s Account.

To change your delivery settings, go to Manage Subscriber’s Account Distribution Preferences.

Account closure

According to USAA Bylaws, we'll send you what’s left in your balance approximately six months after you cancel your policy or end your membership.

If you owe a balance, we'll use the money from your Subscriber's Account to pay for it before we send you the remaining amount.