USAA is a great bank. I've had fraudulent activity on my account and USAA always backs you up and contacts you (via text even) with a warning.
Customer service always gets down to the bottom of the problem and doesn't circle you around various departments.
They refund your ATM withdrawals, I think up to 10 a month or something; which is way more than I ever need and more than reasonable.
This bank simply cannot be beat. They even offer a great financial services division, that allows you to broker trades from the convenience of your phone without ever talking to a representative. Even their own mutual fund performs well when compared to the standard index: S&P 500.
Once you're with USAA you do not go any other way.