If you are on social media sites like Instagram® or Twitter® chances are you’ve seen or been approached by a scammer offering a way to get $1,000, $5,000, $10,000 or even more money in exchange for your personal USAA information. These are not legitimate offers, but part of a rising scam targeting young active duty military members. Sadly, many are participating in this scam. After providing personal information, they soon find the scammer has withdrawn a large amount out of their USAA (and/or other financial institution) account, leaving them responsible for thousands of dollars.


According to the USAA Enterprise Security Group, the majority of USAA members that have participated in this type of fraud are young active duty junior enlisted military personnel. Fraudsters approach USAA members and offer easy money in exchange for their personal USAA information. Fraudulent funds are deposited into USAA accounts and fraudsters take their fees as payment before the fraud is detected.


If you are approached or tempted by this scam, it is important to know the possible consequences of taking the bait, which can be harsh.


Here are 3 things to know about social media scams:


1. If it sounds too good to be true, it most likely IS.


2. USAA will never ask for your personal information related to your credit or debit card number or PIN number.


3. If you choose to provide your personal USAA information, you will be held liable for all money lost.


The consequences for participating in this fraud could be quite severe to a service member’s career:


  • You risk ruining your credit which could mean loss of your security clearance and potentially losing your job


  • You could face prosecution under the Uniform Code of Military Justice which could potentially lead to punishment up to and including Courts Martial and even end in separation from the service

If you are approached or receive a message from a potential scammer, report the scammer by sending an email to

For more details on how to report a scammer visit:
How to report card cracking


We encourage you to share this information with your friends, colleagues or other members you may know; it will take an all hands effort to fight this type of social media scam.


In the coming months, you will see a USAA full-scale campaign to educate and help protect our members and identify and stop the fraudsters.


Have ideas on how to get the word out to those most affected? Share your thoughts below:


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Jessie M.
Prestigious Contributor
These scams are devastating for the victims, who not only discover that there is no job, but that they're now liable for thousands of dollars. I think this is a good idea. Hopefully it will prevent someone from getting scammed.
Jessie M.
Prestigious Contributor
One idea would be to have some sort of notification system tied to deposits of large checks in the right range, if the customer doesn't frequently deposit checks of that size. Like a pop-up alert in mobile deposits. You guys also know that the scammers love to use Walmart moneygrams. Is there a way to stop the moneygrams transaction if someone recently reposted a large check?
Wendy Poling USAA

Great suggestions, Jessie. I'll be sure to forward them along to our fraud team. Thank you for participating in Member Community, your feedback is very important to us! - Wendy

New Member

I'd like to know why USAA provides instant access to mobile check deposits in their checking accounts.    This instant access is what allowed my daughter to transfer cash she never had"back" to a scammer who gave her a bad check.


Most banks don't make funds available from check deposits available until after the check clears.  It appears to me USAA is enabling scammers to steal from its clients in this way.

USAA Social Service
USAA Service
USAA Service

@SnapCracklnPop, thank you for posting your question in the Member Community. This is concerning to hear and certainly not the experience we want for our members. I'd like to have your concerns reviewed further. I've shared your concerns and information with the appropriate area for further review. We appreciate your membership and suggestion. Tricia