I've had a credit card through USAA for several (10?) years. I've opened a checking and banking account with them also and I like certain features like reimbursements for ATM fees. Yes, I really HATE ATM fees and yes, Bank of America probably has the same feature in its accounts but at least you're not getting charged for 15,000 effortless services. BofA will shove a fee in your face for using their pens to fill out a deposit slip. USAA is a great company. If you ever have any concern, they're available at any time and never sound like they're pissed off for your having called them.