When my husband died, we had accounts at two commercial banks, but had insurance, savings and investments at USAA. One of the other banks sent a nice letter of condolence. One did not do anything except give me a terrible time when I tried to close out my account. (We had experienced a theft from our account at that bank, and they were unconcerned. I told them at the time that if my husband predeceased me, there would be no account of mine at their bank.) USAA gave me free financial advice, sent me a book telling me specifically what, as a widow, I needed to do and when to do it and provided other services I cannot now recall--all without being asked. I changed ALL my accounts to USAA and have been totally satisfied since.