How To Fix USAA App Not Working

It was only after hundreds of USAA users took to social media platforms and reported about the USAA App not working and from among the many issues, not able to log-in is the most common to which USAA finally responded by saying “we are aware that some members are unable to access their accounts on http://usaa.com and the mobile app. Our teams are working diligently to resolve this issue. We appreciate your patience and apologize for the inconvenience.”

After the USAA has spent some good time on this issue, they posted on their Twitter handle “Thanks for reaching out. There is a known outage that has affected the website and mobile app. This may also affect some transactions. We are working aggressively to get this resolved.” The United Services Automobile Association (USAA) is a San Antonio-based Fortune 500 diversified financial services group of companies which includes Texas Department of Insurance-regulated reciprocal inter-insurance exchange and subsidiaries that offers banking, investing, and insurance to individuals and families of those who are serving, or has served, in the United States Armed Forces.

Imagine all of these departments are being impacted when users have been trying to access their services online. I have formed this guide to let you know more about these issues and what measures you can undertake to fix the USAA app, although there is very little on our side being users which we can try, I will provide you some common and advanced troubleshoots to fight back with this outage. 

Common Issues Reported For USAA App Not Working

1. Unable To Log-in

Social media for the last more than 1 month are flooded with issues users are facing with the USAA app. The app is not even allowing them to log in and showing messages, “this product or service is unavailable due to eligibility requirements, state or foreign restrictions, or other information drawn from your Personal Profile. If you have a permanent U.S. address or have recently returned to the United States, try updating your Personal Profile. This may enable you to establish new accounts or obtain online quotes and applications.”

2. Debit Card Transactions Mistakenly Declined

Yes, this is the second most reported issue faced by USAA users while using the app. Many users are worried if there is something wrong with their banks which is the reason behind the debit card transaction declination. But it’s actually the USAA and they have realized it and posted, “We understand some members are having debit card transactions mistakenly declined. This is a top priority for us and we are working to have this issue resolved as soon as possible. We appreciate your patience and apologize for any inconvenience this has caused. We will continue to update as more information becomes available.”

3. Communication Error 

The other one is the community which is not saying anything and not showing any reason apart from simply showing a message on screen, “please try again later”. It’s not exactly or only happening with a single or fixed app page, it’s random and is being shown anywhere and is the most irritating one, as sometimes it gets over even after hours, days, and weeks. 

4. Not Allowing Mobile Deposit A Check. 

The other annoying issue is that the app is simply refusing to accept any digital checks by the ex or current US service employees. Well, on research I found that it could also occur because of a History of bad checks and the AI could be assumed as a fraudster but again it’s not the case with everyone and when users can quickly check for any such history. Another reason could be that users are accessing the app from their Android 9 or lower version like Android 8, 7 or 6.

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Some Common Troubleshoots For USAA App Not Working

Many of the common and temporary problems sometimes but definitely impact the smooth functioning of the apps like USAA Pharmacy. Various issues like app crashing, systems not detected, app loading for a long time, app not connecting and many others like this give us trouble using them. Read the guide below to get rid of any such glitches;

1. Check The Internet Connection

The USAA app on your phone must always be connected to a fast and stable internet connection. The app will definitely fluctuate or behave unexpectedly if your internet connection is unstable or sluggish.

• Check your wi-fi, try turning it off, and then turn on again:  Open Settings > Wi-Fi and turn it off, wait for a few seconds, and then tap to turn it on again.
• Try to switch to cellular data if you are using wi-fi and vice versa. 
• Try resetting, switch to Airplane mode for a few seconds and then turn it off: Open Settings and tap the Airplane mode to turn it on, wait for a few seconds, and then tap to switch it off again.

2. Checking Location Allowances

Your smartphone is equipped with technology to know your device’s current location for the smooth running of many applications on your device. If you’ve turned off Location services for privacy concerns, then you must try turning it back on for the USAA app to function properly.

For iPhone

1. Open Settings and tap Privacy Settings.
2. Scroll down and tap Privacy.
3. Tap on Location Services on the page opened.
4. A list of apps with location access will appear.
5. Check if the USAA app can access your location even when it’s not in use.
6. Change the app’s location access to Always.

For Android

1. Open Settings and tap Privacy Settings.
2. Scroll down and tap Privacy & Safety.
3. Tap on Permission manager on the page opened.
4. A list of apps with location access will appear.
5. Check if the USAA app can access your location even when it’s not in use.
6. Change the app’s location access to Always.

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3. Restarting Your Phone

The easy way out when any of the apps suddenly crashes or stops working is restarting. Simple yet efficient way and it does hold the power to clear out many issues that are preventing your USAA app from working. 

For iPhone

1. Press and then quickly release the Volume Up button, then repeat this with the Volume Down button.
2. Press and hold the power button and don’t release and wait for your device to restart.

For Android

1. Press and hold the power button on your Android device.
2. Select the restart from the menu which appears on the screen.
3. Confirm the restart if prompted.

4. Updating The OS 

Updating your device’s operating system is crucial otherwise there could be fluctuations in apps along with other issues. An outdated version of the OS mostly causes malfunctioning of apps and creates compatibility issues also. Check for any updates due in the settings and ensure you’re using the latest OS to avoid any software glitches. 

For iPhone

1. Open Settings and tap General. 
2. Tap Software Update. 
3. In case an update is available, tap download and Install. 

For Android

1. Go to the Settings app on your Android device.
2. Scroll down and tap System or System & Updates. 
3. Tap on Advanced or System Updates.
4. Tap check for update.
5. If an update is available, follow the on-screen instructions to download and install.

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5. Force Closing The USAA App

If none of the troubleshoots above has helped you yet, then I would suggest you to force close the app and reopen after few minutes:

1. On your Home screen, swipe up from the bottom and stop in the middle of the screen. 
2. Swipe left or right to see the USAA app. 
3. Swipe up on the app’s preview for closing the app. 
4. Reopen the app after a minute or two and check if it’s working normally.

6. Updating The USAA App 

It’s not only the case with your device’s OS, your apps also need an updated version to work on your phone smoothly. 

For iPhone

1. Go to the App Store and then tap on your profile icon. 
2. Scroll down and find the USAA app from the list.
3. Tap Update on the USAA app. 

For Android

1. Go to the Play Store and scroll down and find the USAA app from the list.
2. Tap Update on the USAA app.
3. Wait for the update to download and install.

7. VPN Disable

A VPN can potentially interfere with the smooth functioning of the USAA app. Try turning off your VPN temporarily and check if you can now use the learning app. 

8. Clear Apps Cache

Go to Settings > Apps or Application Manager > USAA > Storage > Clear Cache.

9. Contact USAA Support

It’s the ultimate option you are left with now. As you have already tried some basic to advanced troubleshooting mentioned above, then it must be something from the side of the service provider. Contact them immediately and brief them about your issue and seek guidelines and help.

Also, read How To Fix Paramount App Not Working

Conclusion

Financial assistance apps and the ones specifically developed for government servants could really not afford to be offline even for a few minutes. An announced and planned update or some technical maintenance could help the users plan things accordingly but anything coming the way while users are midway of many different transactions is really not unaffordable. Well, it’s technology and we shall and shall not at the same time rely on it completely and there must be alternatives all the time or you must plan things the other way.

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Rishabh Yashovardhan

Specializing in comprehensive guides and step-by-step solutions, Rishabh has built a reputation for demystifying complex technical issues and providing practical advice on resolving common “not working” errors across various devices and platforms. His articles are a go-to resource for tech enthusiasts and everyday users alike, offering clear, concise, and effective solutions to enhance digital experiences.