I love USAA for car insurance and checking account. However, they are not competitive with their savings and certificate of deposits. I have been with them for over thirty years and will remain loyal, I recently have transferred a vast majority of my liquid assets to higher yielding accounts at other more competitive institutions. USAA’s website and App are wonderful.

..they are far more interested in LOANING you money than paying great deposit rates. But, good customer service and a range of products make USAA a solid choice. Though years ago the personalized service was the best, today it's at least better than the mega banks. You can't go wrong banking here but, you CAN do better with more personalized serviced elsewhere.

After a period of poor customer service, things have gotten better... with the exception of the security department. Security didn't like one of my transactions and locked my account without notifying me. Customer service was unable to tell me what caused the shut-down. I didn't have access to my checking account for nearly two weeks. No one even bothered to notify me when the account was unlocked. When I called for the 5th, or so time, the rep noticed that it had been unlocked.

I made a fine choice and am completely satisfied with them for " our " banking needs , as well.

I have been banking at USAA since I’ve been 16 years old and have had many products through them. Currently I have two credit cards, checking, savings, personal loan, renters insurance, and car insurance. I never plan on switching my primary bank as USAA has always treated me well. Customer service-wise, they have always been available and helpful to the various needs I've had. They take their time and have helped me learn how to balance my finances and what the benefits of different products are. The website and app have had various upgrades throughout the years that have made banking and reviewing my accounts easier. I have never stepped foot in a physical USAA bank and don’t live anywhere near one, but the no-ATM fees have made this variable insignificant. The only problems I've had with USAA was the turnaround on a claim/car repairs when my vehicle was stolen. There was a huge increase in auto theft in my area, and my auto repair shop told me that many vehicles waiting in his shop were insured by USAA. The price of my insurance is a lot lower than other competitors, so I decided to stay with USAA despite this poor experience. The other area where USAA may not be "the best" is for savings accounts, their interest rates are not competitive. I have a savings account at USAA for the purposes of overdraft protection and instant transfer, but in terms of high-yield savings I have an account elsewhere (BMO Alto). Overall, I’ve heard various horror stories about banks from friends and family members. I’m grateful to have never experienced any significant or ongoing difficulties in the 10+ years I have been utilizing USAA. I don’t plan on switching ever and I highly recommend them.

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.