I can't say enough good things about banking with USAA federal Savings Bank! My husband and I have used USAA for all of our savings and investment accounts and last year we decided to also switch our checking account to them. The customer service and convenience is superb and rivals anything we have experienced in the past.
My favorite feature is the Deposit at Home convenience. All you need is a scanner and you can deposit your checks right from home and the amount shows up within seconds! This is the most amazing thing and everyone we tell about it is shocked! There are no branch locations, and that is the only drawback to a totaly online banking experience. I have found that the customer service and well designed website overrides the disadvantage of not having a branch location.
We also get free checks for life, refunds on ATM fees which allows us to use any ATM anywhere and not worry about the fees, and we also earn interest on our money and reward points that can be chased in for giftcards and airline miles.
USAA checking is a dream come true. It makes my life and paying for everyday bills easy as 1, 2, 3.