I originally started my account after returning in 2004. I have used the following services insurance auto and homeowners, banking and savings. USAA has been renowned for its friendly and quick service in those areas. They offer many more services as we'll....Yet I have noticed over the years my money is green enough for them. Yet I have never been approved for a loan or a line of credit. I can DEPOST money in and I really enjoy the ATM refund returns . I have adult kids who have used services. One has banking and insurance the other watched the new drivers DVD that USAA sent. Currently it's 2014 and this has been their way for some time. I guess it will never change.