I have been a Usaa member for a few months now and am so thrilled with how helpful the represenatives are. I never have been stuck on hold. Each person has calm, polite, friendly voice. I reccommend this to anyone looking to switch to usaa. I had wells fargo ..which was ok.......but usaa doesn't charge atm fees,usaa doesn't charge outrageous maintance fees.. as for auto insurance, usaa wins in my book. The best way to explain how nice each represnative has been...is its like calling my older brother and asking him how his day was. Very easy friendly professional people...so much better than absolutely any company I've ever encountered!!!