crazy, you are the first person i've ever heard of that's had anything bad to say about USAA. I love it and wouldn't bank anywhere else. Take pictures of checks on my phone to deposit them, free (refunded) ATM use, best customer service I've experienced anywhere (not just banking or insurance) and direct deposits available as soon as they are sent from the other bank rather than waiting days. Huntington is a close second, just because they have free business checking so I use them for that since USAA doesn't offer business accounts.