Sorry, what I mean is USAA members boast about their free ATM fees as a big argument for USAA banking. And so does the USAA advertising. They boast about free ATM's or REFUNDED atm fees. They are quick to point that out as a selling point. That's what I meant about it. (Nothing wrong with that and didn't mean it negatively in any way.)

The "FUZZY MATH" I was talking about is the fact that they initially charge you the atm fee, but somehow, at the end of the month, they redistribute it to you. I felt that this was fuzzy math because, WHY not JUST NOT charge you the fee? Or co-op with other banks so you can use your ATM card limitless and nothing to redistribute to you later because you were never charged for in the first place?

It's like saying "Come on in for a FREE ice cream at Baskin Robins, but you have to pay 2.50 for the ice cream, but don't worry, we will send you a check for 2.50 in the mail". That's a FREE ICE CREAM? Hope this clarifies somewhat?