Boo Money Manager. Booooo.
I'm using the 34-day trial of "You Need a Budget" but the program costs $60. I was excited to see a link to the USAA Money Manager when I was puttering around the site. I'm very technically savvy and I can't, for the life of me, figure out how to use this "tool". I can't seem to create my own categories or sub-categories (despite a FAQ question/answer that seems to describe how to do it but it refers to category "drop down menus" that I simply don't have in my budget (there are predetermined subcategories but I can't change them or add to them). I can't seem to categorize the expenses on my checking account (the "add category rule" tool isn't working and I'm assuming that's how I would do it...).
The biggest problem, aside from the lack of functionality and ease of use, is that there isn't any useful help explaining how to do all those things in detail.
This is very disappointing. As the OP stated, USAA does nearly everything perfectly but this doesn't seem to be one of those things.