I have got to say that USAA by far is the best bank I have ever heard of. Okay, here is the brief background. My husband was in the military and we had Bank of America Military (supposedly offered better services since he was in the military, one of those wasn't the savings account interest. So after about 1.5 years with them, we switched to USAA because a co-worker of his was using it and always raved about it. Unfortunately, this is opportunity is only for those who have another service with USAA or are currently in the military. So tell those you know who qualify. They have the MOST amazing service ever. My husband and I have our checking and savings, life and renters and auto insurance, and auto loan through them. Since we have everything through them it is less stress and easy to pay off a loan or make a payment to my car or life insurance. They are actually nice and genuine and care. They do not work on a commission so they aren't there to sell you a service, just to help you! It is actually enjoyable to do business with them. We

Checking
-Free ATM use worldwide
-Free Deposit at Home
-Free USAA Bill Pay Online
-Free rewards on debit card purchases with no annual fee
-No monthly service fee
-Pays interest on checking account
-Free checks forever

Savings (3 different types)
-USAA Savings: minimum $25 to open & as high as 4.25% APY
-Performance First Index: minimum $10,000 to open and as high as 5.20% APY
-First Start Savings: minimum $1 to open and as high as 4.25% APY

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