I love the idea of USAA. The insurance side is good. In April or May of this year I charged my USAA mastercard at a bar. The tip over drew my account by 3.80 which I cant explain. I couldn't deposit money in the account manually because they cut off the relationship with UPS where I deposited up till then. They charged me an over draft of 25 bucks. There was a total due of 28 bucks and change. I would have been happy to pay it but they cant take Visa and I cant deposit via UPS. The only option was electronic deposit via internet. They have every legal right to have charged my account off for 3 bucks but do veterans really want to deal with it, It dropped my credit score over 100 points.
My suggestion to you is don't use them. Its a pain in the back side to deposit and there is no relationship. it all about the money. They screwed me over 3 bucks. Imagine what they will do to you. Insurance yes.... Banking no. I will be transferring my insurance to Geico just to rid myself of them. Its your choice.
Sorry. They charged my account off on my credit in case you didn't understand. Don't walk away from them.... Run