I have nothing but fantastic things to say about my experiences with USAA Federal Savings Bank. As a whole, USAA offers a very large number of products, from Checking and Savings to Home and Auto Insurance as well as self-directed and brokered investment accounts. I currently have checking, savings, and insurance accounts with USAA and have had investment accounts with them in the past.
Their bank accounts are fantastic in that they offer a free debit MasterCard for all checking accounts, reward points when using your debit card as a MasterCard for merchandise and travel, as well as rebating all ATM fees per month up to $15.00. Those perks are enough to make you want to sign up, but there's more! Because USAA has no physical branches, they offer Deposit at Home which allows you to scan in a paper check and upon confirmation, it will be immdiately deposited into your bank account for immediate use. USAA also offers instant money transfers between bank accounts as well as transfers between outside account and investment accounts. The free Web BillPay is absolutely something to take advantage of because it is free and you are able to pay anyone from a private cleaning person to your child's daycare to your American Express bill.
In addition to a checking account and two savings accounts, I also hold my renter's and auto insurance policies with USAA. For a long time, I held my auto insurance with a well known national company and decided I would see what USAA had to offer. After talking with the customer service rep I realized a $200 premium drop, roughly 40%! The difference was amazing and I signed up immediately. In addition, my renter's insurance is very well priced.
Lastly, the best attributes of USAA are the customer service representatives. They are available 24/7 and are the most friendly reps I have ever spoken with. They truly put the customer first and make you feel like a part of the USAA family.