USAA is great for insurance. If you qualify, I think it's foolish to go with anyone else. I've used USAA for 20+ years and evaluate its competition every couple

USAA is great for insurance. If you qualify, I think it's foolish to go with anyone else. I've used USAA for 20+ years and evaluate its competition every couple of years, but always end up using USAA. For loans, I go with smaller, local banks. I've found the best rates and service that way, plus it feels good to know my mortgage payments are being put back into my community. For banking, I use Schwab. I get 2% back on all purchases (I put everything I can on my credit card and pay it off monthly), I get ATM fees refunded, I have free online bill pay, plus Schwab has low fees on the few stock/mutual fund trades I make each year. And it's nice to see all my cash and investments in a single interface, and have access to Schwab's branch offices, a couple of which are near where I live. Many of the advantages Schwab offers are available through USAA, TDAmeritrade, ING, and Scottrade, but none of the others offers everything I need.