Use your 6-digit verification code to secure and access your USAA account.

How to Verify Your USAA Identity Using a Verification Code

Why USAA Uses Verification Codes
USAA uses verification codes as an extra layer of security to ensure that only you can access your account. This method is part of two-step authentication, which helps protect your personal and financial information from unauthorized access or fraud.

When logging in, making account changes, or performing certain transactions, USAA may ask you to enter a one-time verification code sent to your registered contact method (phone or email).

When You’ll Receive a Verification Code

  • Logging in from a new device or location
  • Resetting your password
  • Making changes to your account or security settings
  • Completing identity verification at usaa.com/verify

Steps to Verify Your Identity Using the USAA Verification Code

  • Log in to your USAA account: Go to usaa.com and enter your username and password.
  • Choose your preferred verification method: You’ll be asked how you’d like to receive the code—via text, phone call, or email.
  • Check your device for the code: The code is typically a 6-digit number sent instantly. If you don’t see it, check text messages, email inbox, voicemail, or spam folders.
  • Enter the code on the website: Type the code exactly as received. Codes usually expire after a few minutes.
  • Complete verification: After entering the correct code, you’ll be able to access your account or complete your action.

Troubleshooting Tips

Problem Solution
Didn’t receive code Make sure your phone/email is correct and active. Try the “Resend Code” option.
Code expired Click “Send New Code” and use it immediately.
Entered wrong code Double-check and re-enter. If locked out, follow on-screen instructions or call USAA.
Changed phone or email recently You may need to verify using your old contact or call USAA directly.

Need Help?

If you're unable to receive or enter your verification code, contact USAA Member Support:

  • Phone: 1-800-531-USAA (8722)
  • Website: usaa.com/verify
  • Live Chat: Available through the USAA mobile app or after logging into the website

Verifying your identity with a code is fast, simple, and essential for protecting your USAA account. Be sure your contact info is up to date to avoid any delays.

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