USAA boast about the refunded ATM fees ect.....but its kind of fuzzy math to me. Charge you the fees but reimburse you at the end of the month? Wierd. I like using co-ops and there are plenty around no matter where you go with NFCU. I am kinda biased with NFCU, been a member almost 24 years. Also, NFCU is a credit union. USAA is really a bank. Don't trust banks per say, as I am a fan of credit unions. (I do understand that USAA is exceptional and an outstanding bank that passes dividends out to their members with P&C insurance.)
However, I do use USAA for the homeowners/auto and now flood insurance....(or filed with their web site for flood insurance to go via FEDS.) Excellent web user friendly stuff. Don't have the USAA credit card, only need one. NAVFED Platinum is all I need in a credit card.