You are right and I was wrong. They changed the rules in 2013: https://communiti...

		sowbug on June 12, 2017 \| parent \| context \| favorite \| on: Hackers Are Hijacking Phone Numbers and Breaking i... You are right and I was wrong. They changed the rules in 2013: https://communities.usaa.com/t5/Other/USAA-Changes-Membershi... They've grandfathered in existing members who wouldn't qualify today.