USAA Rewards™ Debit Card - Credit Slips

USAA Rewards Debit Card — Change in Terms
USAA Federal Savings Bank (USAA) has always been a strong supporter of consumer
protection laws. You may have heard about new federal laws that affect the banking
industry. One recently approved law contains a provision that significantly reduces the
revenue banks receive from merchants when consumers pay with a debit card. USAA has
always returned the majority of this revenue to members in the form of benefits such as
free checking accounts, ATM fee refunds and rewards programs.
Members helped USAA make a tough choice
With the significant reduction in revenue, USAA had to reevaluate our debit card and
checking account benefits. As we carefully considered all options and the financial impact of
the provision, we reached out to members for feedback. The large majority of members
surveyed valued free checking accounts and ATM fee refunds over debit rewards programs;
therefore, we decided to cease debit rewards to maintain the other benefits.
What this means to you — USAA ceasing debit rewards
USAA will cease debit rewards effective Sept. 1, 2011. Because you’re enrolled in the cash
rewards option, your final reward will be reflected on your September account statement for
purchases made in August. The enclosed amendment reflects the change in terms and
revises the USAA Federal Savings Bank Depository Agreement and Disclosures.
USAA Free Checking — an exceptional value
Your USAA checking account is still one of the best in the industry. We’ve enclosed a chart
that compares your USAA checking account to similar products offered by our competitors.
Your checking account will continue to provide the same benefits you enjoy today:
Free checking — No monthly service fees regardless of your balance.
Free nationwide ATM use — Your first 10 ATM withdrawals are free, and if another
bank charges you, we’ll refund up to $15 of their bank fees each month.
Deposit options — Make a deposit at one of more than 1,900 The UPS Store ®
locations, and qualifying members can also deposit checks from home, an iPhone
or Android phone.
Free online and mobile banking — Check balances, transfer funds and pay bills
using a computer, smartphone, iPad or mobile.usaa.com.
Free USAA Money Manager — Track your spending with a personal budgeting tool.
We understand that you may have questions, so we’ve included some questions and
answers to further explain our decision. If you have additional questions, please call 1-800-
531-3552. We value our relationship with you and look forward to continuing to serve your
banking needs.
USAA Federal Savings Bank
Member FDIC
This notification was also sent to you by postal mail.
125607-0711

USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, Texas 78288-0544
Questions and Answers - Ceasing Debit Rewards
Q. Is my USA A free checking account still competitive?
A. US A A checking account f eatures and bene fits are some o f the most competitive in the
industry. W hen w e compared checking accounts, here's what w e f ound:
Financial USA A Navy W ells Fargo Pentagon Federal Bank o f
Institution Federal Federal
Savings Bank
America
Checking Product Free Checking Every Day Value Checking C omplete A ccess My A ccess
Checking Checking Checking
No Monthly W ith direct W ith minimum W ith direct
Service Fee deposit or avg. direct deposit or deposit or avg.
daily balance min. daily balance daily balance
Pays Interest No No No
1
ATM Rebates No No No No
Remote Deposit Free US A A No No Limited remote No
Capture Deposit deposit capability
Capabilities for and
Qualifying Deposit
Members
f or qualif ying
members 2
USA A Easy No No No No
Deposits 3
Free Debit No No No No No
Rewards Program
Free Bill Pay $6.9 5 per Free f or limited
month - payees -
waived if a premium service
combined with unlimited
minimum billers is $5 per
balance o f month
$5,0 0 0 is
maintained at
all times in
qualif ying
accounts
Prepared by USA A Competitive Intelligence. Source: company websites as of
April 29, 2011; information for Texas.
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Q. What is the specific law that caused this change?
A. The provision e f f ecting the change is the Durbin Amendment to the Dodd - Frank W all Street
Re f orm and Consumer Protection A ct. This ne w law significantly reduces the amount o f revenue
banks receive and increases the amount merchants keep f or each debit card transaction. This
revenue has been used by banks to fund products and services that consumers value.
Q. Will I receive a new USA A debit card?
A. No, please continue to use your current debit card.
1 US A A Bank r e f unds up t o $ 1 5 in o the r banks' A T M usage f e e s each m o nth and d o e s n o t charge a f e e f o r the f irst
1 0 A T M w ithdra w als. Subs e quent transac tio ns w ill b e charge d $ 2.0 0 each. A 1 % f o r eign transac tio n f e e applie s t o
w ithdra w als o utsid e the Unit e d Stat e s.
2 Y o u must quali f y f o r US A A's D e p o sit H o m e and D e p o sit M o bile ; eligibility f o r US A A pr o p e rty and
casualty insuranc e and c r e dit quali f icatio n r e quir e d. D e p o sits may n o t b e available f o r imm e diat e w ithdra w al.
3 O nly single - party, p e rs o nal che c ks ar e eligible f o r d e p o sit thr o ugh Easy D e p o sit. Cash, cashie r's che c ks, m o ney
o rd e rs, f o r eign che c ks, savings b o nds, che c ks mad e payable t o a business, travele r's che c ks, and multiple party
che c ks ar e n o t eligible f o r Easy D e p o sit. D e p o sits may n o t b e available f o r imm e diat e w ithdra w al.
Pur chas e o f a bank pr o duct d o e s n o t e stablish eligibility f o r o r m e mb e rship in US A A pr o p e rty and casualty insuranc e
c o mpanie s.
C r e dit cards pr o vid e d by US A A Savings Bank, o the r bank pr o ducts by US A A F e d e ral Savings Bank, b o th M e mb e r
F DIC.
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USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, Texas 78288-0544
Important Notice
Amendment to USA A Federal Savings Bank
Depository Agreement and Disclosures
July 2011
The f ollo wing revisions have been made to the US A A Federal Savings Bank Depository A greement and
Disclosures. All provisions o f the Depository A greement and Disclosures continue to apply, except to
the extent they are modified by the provisions belo w.
Throughout the Depository A greement and Disclosures document, the term "US A A Re wards Debit
Card" is replaced with "US A A Debit Card."
Page 34 - USA A Rewards Debit Card: This provision is deleted in its entirety.
Effective date of changes
A ccounts opened on or after July 1 5, 2 0 1 1 - e f f ective immediately
A ccounts opened prior to July 1 5, 2 0 1 1 - e f f ective September 1, 2 0 1 1
Please keep this amendment with the original Depository A greement and Disclosures bo oklet you
previously received.
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