I have a checking account and USAA limitless 2.5% cashback VISA credit card account. The coolest feature about checking account is when you schedule fund transfer from external account to your account, the money is available instantly (I think up to certain amount, $5000?). For example, if I have $1000 on my USAA checking account and schedule a transfer for $1000 from another bank account, the available balance on USAA is $2000 instantly. The $1000 gets debited a few days later from the external bank account. The 2.5% cashback credit card is no longer available but USAA allowed customers who already had them to keep them. I get cashback so much faster compared to 1% cashback cards.

I do really like USAA, don't get me wrong there are minimal fees and most of my banking I've done online with them but since they've closed several of their branches I've had to open up another bank account so that I'm able to have the ability to deposit cash from time to time. I remember when I got the notice that they were closing a branch that was relatively close to my house, they said they were going to expand their deposit taking ATM access but I haven't really seen this "expansion". Overall though if you need to withdraw cash from an ATM they have a great network that are no fee, and on the occasion you are charged a fee they will reimburse you up to their monthly cap which is nice. Their online interface is probably the best of the banks and credit unions I do business with, and when using their bill pay payments seem to post quicker from them as compared to the credit union.

I do all of my banking through them. The are quick to respond to all my inquires and offer multiple ways to contact them if needed. They have a slick online platform and mobile app that can accomplish most tasks for day to day banking. The only thing I was not a fan of was the switch from MasterCard to Visa. I feel MasterCard offers better buyers protection and reward programs than Visa.