Your are correct. What some are calling Windows XP-ocalypse is a MAJOR CONCERN.
To read more about the Windows XP-ocalypse you can view the reports found at the following LINKS.
1. This is a KNOW ISSUE and all banks, to include USAA, are working hard to protect your money and accounts.
2. If you are concerned about withdrawing money, you should remember that most merchants allow the use of Debit Cards for payment of things.
3. If you are concerned about depositing checks, you should remember that you can deposit money at select The UPS Stores nation wide. Click here to find one of these select The UPS Stores near you.
FOR THOSE WHOM ARE REALLY CONCERNED:
If the Windows XP-ocalypse really concerns you then you might consider Upgrading to Secure Checking Plus.
Thanks for raising this issue to the forefront.