[tsotha]

USAA isn't a bank, it's a credit union. It's "field of membership" is uniformed military and their families.

[a3n]

Actually, USAA is a bank. At least the bank part of them is a bank. They're also an insurance company, an investment company, and a few other things. But the banking part is a bank.

From their site's front page: USAA means United Services Automobile Association and its insurance, banking, investment and other companies. Banks Member FDIC. https://www.usaa.com

Notice the FDIC. Credit unions are not insured via FDIC, they use NCUA. http://www.gobankingrates.com/banking/fdic-versus-ncua-insur...

[nulltype]

Can anyone recommend a credit union as good as USAA that accepts people unaffiliated with the military?

[astrange]

Online banks like Capital One 360 don't charge overdraft fees and have fast check settlement. I can't comment on transaction ordering or anything - also, it might be hard to find an ATM that will do cash deposits.

And not only is there no account fee, but the checking account pays a pitiable amount of interest.