I have been fortunate to be a member of this wonderful financial institution! OMG! I love USAA. I have been a member since 2000 or 2001 and I have loved it eversince! USAA is the most efficient and effective bank I have ever known and believe me when I say this because I have been a banker since 2000 and still is but I can't even compare my company's products to USAA's. Whenever I meet a millitary person, I say " I hope you use USAA!" I have introduced so many people to this institution, sometimes, I feel like I work for them, LoL!!! I thank heavens for USAA!!!!!!!! I JUST LOVE USAA!!!!!