what does my wife need to get a ussaa account and can she do things privately on this app

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Don't do it. Better bank is Pentagon Federal Credit Union. USAA has become one of the worst banks I have used.

@Carr71916, Thanks for reaching out. If your wife is listed as a joint account holder, then she could set up her own separate member login on To do so, she would need to click on the "Log on" tab and then select "Register for access." - Ben