You no longer need any relation to the military to join USAA. That said, I recently switched from USAA to Ally. Same features, better rates, and better support.

You no longer need any relation to the military to join USAA. That said, I recently switched from USAA to Ally. Same features, better rates, and better support. Both banks have decent web sites, and let you withdraw for free at any ATM, so for me they beat even BoA for convenience.