I live in a high-cost city and pay $4000 rent to a landlord, who is a private family and not a company. They recently changed their bank account, and I found out I can’t add an external account to my USAA anymore. I tried using Zelle, but the limits are too low ($1000/day, $2500/week), and now I’d have to send 5 separate payments over 9 days to pay rent. I could also pay a $20 wire transfer fee, but it’s frustrating that I can’t do it the same way I used to. Is there another way to send money with USAA? If not, I might be done with them. My car insurance keeps going up too, even though I have a perfect driving record. I’ve already stopped using their savings account since they don’t offer a high-yield option. Over the last 15 years, I’ve noticed their customer service has really gone downhill. My contract requires an electronic deposit, so paying by check isn’t an option.
Use the bill pay feature and add them as a payee. USAA will send them a check at no cost to you, and you can set it up to auto-send every month so you don’t have to worry about it.
Hollis said:
Use the bill pay feature and add them as a payee. USAA will send them a check at no cost to you, and you can set it up to auto-send every month so you don’t have to worry about it.
Yes, Bill Pay is a great way to pay rent or mortgage. It works really well.
Could you use a Free Tellers Check through the USAA app and have it mailed to them?
You can set up a Venmo account to pull directly from your USAA account or debit card. If you go through the identity verification process, you can transfer up to $5K in a single transaction. Venmo’s limits are higher than Zelle because they offer purchase protection.
@Olin
Thanks! I think I’ll have to go with Venmo.
You can add their info to the pay bills section, and the system will send them a check automatically.
Ray said:
You can add their info to the pay bills section, and the system will send them a check automatically.
My contract requires an electronic deposit.
Ray said:
You can add their info to the pay bills section, and the system will send them a check automatically.
My contract requires an electronic deposit.
In that case, Venmo or PayPal might be your best options.
Do yourself a favor and leave USAA. I did after 40+ years, and I have no regrets.
Why not set up a recurring bill pay from your USAA account?
Emory said:
Why not set up a recurring bill pay from your USAA account?
Because my contract requires an electronic deposit.
Emory said:
Why not set up a recurring bill pay from your USAA account?
Because my contract requires an electronic deposit.
Ah, USAA sends a paper check for smaller amounts, that’s why it’s an issue.
Why not just write a check for the landlord?
It’s unfortunate that the USAA representative misled you. USAA sets those low limits themselves.
USAA saying they don’t control the limits is a lie. The bank has control over their limits, and the limits can be affected by the other person’s bank as well. USAA has likely set low limits to protect their users from Zelle scams.
Why not just write a check?
I was using Venmo for my $4500 rent earlier this year, before I bought a house. The only issue I had was that it kept getting delinked, so I had to relink it every couple of months. Otherwise, it worked fine.