@striderlabs/mcp-usaa

USAA banking and insurance connector for personal AI agents.

Enables AI assistants to manage your USAA accounts — check balances, view transactions, transfer funds, pay bills, manage insurance policies, file claims, access investments, and more — all through the Model Context Protocol.

Features

• Banking — Account balances, transaction history, fund transfers, bill pay, mobile check deposit
• Insurance — View policies (auto, home, renters, life), file claims, track claim status
• Investments — Brokerage, IRA, and 529 account access with holdings
• Credit Cards — Balances, available credit, payment info, transaction history
• Loans — Auto, personal, mortgage, and VA loan balances and payment details
• Session Persistence — Login once, sessions saved to ~/.strider/usaa/

Installation

npm install -g @striderlabs/mcp-usaa

Install the browser (required for automation):

npx patchright install chromium

MCP Client Configuration

Claude Desktop

Add to your ~/Library/Application Support/Claude/claude_desktop_config.json:

{
  "mcpServers": {
    "usaa": {
      "command": "striderlabs-mcp-usaa"
    }
  }
}

Other MCP Clients

{
  "mcpServers": {
    "usaa": {
      "command": "npx",
      "args": ["-y", "@striderlabs/mcp-usaa"]
    }
  }
}

Available Tools

Authentication

Tool	Description
usaa_status	Check current login status
usaa_login	Open browser to USAA login page
usaa_confirm_login	Save session after manual login
usaa_logout	Clear session and log out

Banking

Tool	Description
usaa_get_account_balances	All account balances (checking, savings, money market)
usaa_get_transactions	Transaction history for an account
usaa_transfer_funds	Transfer between accounts (requires confirm=true)
usaa_pay_bill	Pay a bill via Bill Pay (requires confirm=true)
usaa_mobile_deposit	Deposit a check image (requires confirm=true)

Insurance

Tool	Description
usaa_get_insurance_policies	All policies (auto, home, renters, life, etc.)
usaa_file_claim	File a new insurance claim (requires confirm=true)
usaa_get_claim_status	Status of existing claims

Investments

Tool	Description
usaa_get_investment_accounts	Brokerage, IRA, 529 accounts with holdings

Credit Cards

Tool	Description
usaa_get_credit_cards	All cards with balances and payment info
usaa_get_credit_card_transactions	Transaction history for a card

Loans

Tool	Description
usaa_get_loans	All loans with balances and payment details

Usage Examples

Check balances

"What are my USAA account balances?"
→ calls usaa_get_account_balances

Transfer money

"Transfer $500 from my checking to savings"
→ calls usaa_transfer_funds with confirm=true

File a claim

"File an auto insurance claim for a fender bender on March 10th"
→ calls usaa_file_claim with confirm=true

Check investments

"How are my USAA investments doing?"
→ calls usaa_get_investment_accounts

Authentication Flow

USAA uses multi-factor authentication, so login is browser-assisted:

1. Call usaa_login — a browser window opens to USAA's login page
2. Complete login manually in the browser (username, password, MFA code)
3. Call usaa_confirm_login — session cookies are saved to ~/.strider/usaa/
4. All subsequent calls use the saved session automatically

Sessions persist until they expire or you call usaa_logout.

Safety & Confirmation

Destructive or financial operations require explicit confirmation:

• usaa_transfer_funds — requires confirm: true
• usaa_pay_bill — requires confirm: true
• usaa_mobile_deposit — requires confirm: true
• usaa_file_claim — requires confirm: true

Calling without confirm: true returns a preview of the action without executing it.

Technical Details

• Built on Patchright (stealth Playwright fork) for browser automation
• Runs headful Chrome to handle USAA's bot detection and MFA
• Session data stored in ~/.strider/usaa/ (auth.json + session.json)
• Communicates with MCP clients via stdio transport

Limitations

• Manual login required — USAA's security requires human-in-the-loop for initial authentication
• MFA required — Must complete MFA in the browser window during login
• Session expiry — USAA sessions expire; re-login will be needed periodically
• DOM-dependent — Selectors may need updates if USAA changes their web UI

Troubleshooting

"Not logged in" errors → Call usaa_login, complete login in the browser, then usaa_confirm_login

"Timeout" errors → USAA's site may be slow or your session expired. Try re-logging in.

"net::ERR_" errors → Check your internet connection. USAA may be temporarily unavailable.

Browser doesn't open → Run npx patchright install chromium to install the browser

Development

git clone https://github.com/striderlabs/mcp-usaa
cd mcp-usaa
npm install
npm run build
npm start

License

MIT — See LICENSE

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