I too am a happy USAA customer. The two times I have needed their services in desperate times, they came through with flying colors. Once a hurricane took off part of our homes roof, USAA was at our home in hours to write us a check to immediately replace THE Whole roof. Other homeowners in our development were waiting for weeks to get an adjuster out to their houses...and had to jump through hoops to get payment. State Farm was perhaps the worst in our neighborhood.
What I have come to acknowledge is there are some people who come on desperate times - and circumstances play a large role in problems.Citbank, Chase and many other banks will nickle and dime you to death so beware if you choose their services. I use a local credit union for small banking but trust USAA with my retirement and credit card accounts. If you all have a short memory, check out the lawsuits in the 2008 stock market crash and see whose hands were in the "kitty." Not USAA.