My husband and I belonged to a local credit union for a number of years and while it was okay, the service wasn't spectacular. We were already USAA members with car and home insurance, but I thought we should switch and use the benefit of USAA banking. What a great move! The quality of service is beyond comparison. It has been, by far, the best banking experience we've ever had. It doesn't matter why we need to call and talk to a representative, they are always courteous, professional and give exceptional service. We're here to stay!