How to Fix USAA Not Sending Verification Code

USAA is not sending your verification code for different reasons. There are ways to troubleshoot and fix the error or bypass the verification. The USAA message verification is meant to confirm that you are the real owner of your account ID and that you’re not a robot. it is also a way to know that you can receive communications.

The verification code is important in that, they help let you know of login activities to your account. They also help send you codes whenever you are logging in to USAA. This is especially the case if you are using a new account or using a different device to log in. In fact, the USAA verification code is meant to send you codes and keep your account secure.

This means that another person using the same username cannot access your account. They will have to prove ownership by first of all getting the code sent to their phone.

It is not unlikely that someone will have a similar number to yours. The other alternative would have been using an email account. The major idea behind USAA verification is to confirm account ownership.

Why USAA is Not Sending Verification Code

The major reason is the USAA server error, it may prevent you from getting USAA SMS or email. Your number or email is not registered on your account or it is being caused by a failure in connection to the USAA servers.

One other reason for USAA not sending your verification code could be that your phone device is preventing the text may be because of blacklisting. Some people with similar problems have confirmed finding their USAA number on their blacklist even though they don’t remember adding it to the blacklist. Taking the number off the blacklist should solve the USAA phone verification not working problem.

In the above cases, the error is from both USAA and the user. Also, USAA servers may be down at some time or under maintenance. The user may also have a slow internet connection. You may also have the USAA app that is not up to date and should be updated. 

It may be that your phone has a full inbox and needs you to delete some messages. There will be other reasons that we will discuss later on in this analysis.

USAA Not Sending Code to Email

If you used email and  did not receive the USAA verification code: 

1. Check your spam folder or select the “Resend code” option on the login screen. 

2. Enter and submit your code on the login screen. 

3. The device you logged in with will now be recognized and authorized for future access. 

4. If you use a new device you may require an additional login verification. 

How to Fix USAA Not Sending Verification Code Text

There are several issues with why you are not receiving USAA verification message (why you are not receiving a login code).

Make sure that you are entering your phone number or email address correctly in the account creation screen, and click resend verification code to have a new verification code sent.

Try to log out of your account and log back in to solve this. You should now receive an SMS or email carrying your verification code. However, if this doesn’t work, open the messaging app on your device and then follow use the next method below.

If you have created USAA account and you are using the authenticator app to secure the account, you can try uninstalling and reinstalling it to see if it works. Disable two-step verification before you uninstall the app to avoid being locked out of your account, and then re-enable two-step verification once the app is installed. 

Check the date and time on your device, and sync the time if it is not correct by going to the Setting on your two-step app.

Ensure that whenever you change your network provider or mobile device, you update USAA’s settings. To update the settings, follow the steps mentioned below.

1. Open Google Play or App Store.

2. At the top right, tap the profile icon.

3. Tap Manage apps & devices. Apps with an update available are labeled  “Update available.

4. Select USAA and tap Update.

Another reason you’ll not get the USAA code is that your mobile device is in airplane mode; thus, you would be required to turn it off. You can follow the steps below to generate a confirmation code on USAA iOS and USAA Android.

Turn Off Airplane

1. Go to your phone settings.

2. Click on Profile and select Settings &Privacy for USAA on iOS.

3. Click on the navigation menu and select ‘Settings and Privacy’ for USAA on Android.

4. Tap on Account and then tap on Security.

5. Now tap on the login code generator, and the system will generate the code to log in to your account.

Meanwhile, forcing USAA to send your verification code by submitting your phone number or email many times only will make it worse. If this is you, then calm down and wait for a few hours and try again.

Ensure your email is correct by checking the email address you entered is the same one you registered with on USAA. 

Double-check all email tabs including Primary, Social, Promotions, and Updates, as some providers automatically categorize emails. Check your other folders such as Spam, Junk, Trash, Deleted Items, or archives. You can also try searching using the term “USAA.”

How to Get a Verification Code From USAA

1. Select log in with your phone number or email to get a code to your phone. 

2. Click on Send Code when prompted.

3. Open your SMS or email and copy the code. 

4. Enter the verification code in the space provided.

5. Click Submit and your profile page should open.

USAA will tell you not to share the code with anyone. That means you have to keep the code safe, by not sharing it with nobody. The USAA verification code is not permanent. It keeps on changing every time you log in, especially from a different device. If you were to delete your cache files from the browser, you will have to sign in afresh. Sometimes that is the way to fix the USAA SMS error.

If you linked your USAA account to your phone number, you can use SMS verification to verify your account. sign in to your account and go to the Verify Identity tab and click send CODE via SMS. USAA will send a verification code to your phone. If the expires and did receive the code, you need to re-send the request.

How to Get USAA Verification Code Without Phone Number

I will be frank with you; we will consider alternative ways to bypass the Bimart phone verification challenge. But please bear in mind that these might work for some people and fail to work for others.

To receive a USAA verification code without a phone number, you can use third-party services that allow you to get a temporary phone number. These numbers act as real phone numbers and can be used for calls and messages.

You use services like sms24, and, they allow you to get temporary phone numbers. There are both free and paid tools to receive messages to verify your accounts. This is the only way you can get a verification code if you do not want to use your actual phone number. 

How to Avoid USAA SMS Verification Issues 

There are some things that you are doing wrong if your USAA phone verification is not working. These are the reasons from your end that prevent you from getting the code from USAA. The knowledge of these errors will also help you to fix the issues.

They are:

1. You may have a full inbox and need to delete some messages.

2. Your Authenticator time is not correct. You need to sync it. 

3. Your IP address changes all the time or your network is not connecting

4. Authenticator app is outdated. You need to update it.

5. You sign in to USAA from other people’s phones. Just use yours only. 

6. Airplane mode may be on, on your phone. Confirm that it is off. 

USAA not only reads your number but also your device. If you keep on using different devices, you make USAA think that you are not legitimate. You may not always have the knowledge to fix these issues but at least, you can avoid them.


There will always error on an online platform. This is why you should think that USAA not sending your verification code on time is a bad experience and it is not giving you what you expect. It can happen on any other site.

Also, know that it is used in many countries worldwide. There will be errors expected and your side is just to ensure that you follow the method we have explained above before you can contact USAA support.

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