My membership was earned by my father who served as a military physician. I now live overseas and have found USAA's banking services to be essential to maintaining a link to my US accounts. International transactions are a no-brainer for them and the service is always top notch. Not only do I consistently get accurate answers to questions, it is usually delvered in a very friendly and helpful manner. I even maintain auto insurance for a nominal fee so I am covered whenever I return to the USA for a visit. My brother is now serving in Afghanistan and will surely pass along the treasure of membership to his two young children.