Estate planning at USAA
How to protect 11 USAA accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Phone1-800-531-8722
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
WebsiteLearn more→
Phone1-800-531-8722
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
WebsiteLearn more→
Bank Survivor Relations Team
Phone1-855-204-0378
Toll-Free1-855-204-0378
Fax1-800-292-8177
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
Verified May 2026
How your USAA accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 10 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Beneficiary changes at USAA can be made by mail and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
USAA has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 11 account types at USAA.
View details →When someone dies
Death claim process
3-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
No. USAA currently requires a paper form for POD beneficiary designations on deposit accounts and IRA beneficiary designations. Contact USAA at 1-800-531-8722 or 1-855-204-0378 to request the appropriate form. Completed forms must be returned by mail (or fax for IRA forms to 1-800-292-8177).
USAA membership is available to active duty military, National Guard and Reserve members, veterans with honorable service, cadets, midshipmen, and their eligible family members. Many USAA banking products require membership. Family eligibility extends to spouses, children, and in some cases widows and widowers of USAA members.
USAA sold its brokerage and managed portfolio business to Charles Schwab in May 2020. Schwab is now the exclusive provider of investment and wealth management services for USAA members. Retitling a former USAA brokerage account to a revocable trust must be handled through Charles Schwab using Schwab's trust account procedures. USAA Federal Savings Bank retains only deposit accounts (checking, savings, CDs) and IRA CDs.
Sources
Data sourced from USAA primary sources (14 pages reviewed). How we research.
Phone1-800-531-8722
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
WebsiteLearn more→
Phone1-800-531-8722
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
WebsiteLearn more→
Bank Survivor Relations Team
Phone1-855-204-0378
Toll-Free1-855-204-0378
Fax1-800-292-8177
Mailing Address
USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio, TX 78288
Verified May 2026
Estate planning articles
Learn how to protect your USAA accounts and other assets with trusts, beneficiary designations, and estate planning documents.
