To provide some balance regarding praise of USAA, they also push unnecessary and predatory "overdraft protection" and require an opt-out to binding arbitration.

To provide some balance regarding praise of USAA, they also push unnecessary and predatory "overdraft protection" and require an opt-out to binding arbitration. Some of their business practices as of the last three years have been converging with that of the big American retail banks. Some retail banks have made enormous strides in catching up to USAA's great internet and phone banking. It would be great if someone were to include some information about their executive compensation plan to see how their incentives are aligned in comparison with the large retail banks. Their insurance rates are very competitive and their customer service is stellar. There is a branch in Annapolis, Maryland across the street from the Naval Academy. Just as the Washington, DC branch, they don't handle cash but have a full-service ATM outside.