I came here after remembering that I served in the Army and maybe USAA would be better than my soon-to-be-ex-bank that wants to charge $5 a month on our debit cards, even after we loaned them $40 or so billion. After speaking with a recent Army retiree whose opinion I respect, I started the process of changing over my personal accounts and it is a welcome surprise how good a retail financial institution could be. My only wish is that USAA would offer business banking so I could move everything here. There are some vets who have businesses too :)