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USAA is, by far, the best bank in the US. My car was hit 4 weeks ago by some confused driver who decided to put his car in reverse and step on the gas! Anyways, USAA made something like repairing an almost-destroyed Mini Cooper a breeze. I consider myself very opinionated and a hard sell on everything, however, everytime I turn to USAA for help I hang up the phone with a smile...not kidding. Not once have I found them unable to hook me up. This is THE bank for the 21st century.