USAA is a total pain to deal with now. Used to be a great company to work with, but seems to be leaving a membership service organization profile to a for profit company "Sell-sell-sell" profile company. They have increased their based membership rules. Used to be officer and their children only. Now any military person can use USAA (nothing wrong with that), but a sign of their goals and want of market share. Ever since they started bank services, they have gone downhill. Not the bank's fault in general, but seems to be more of a "let's make money" over membership policy. Other review sites show the downhill service since things changed too. Most reviews place the "Fall" about 3 years ago. Not sure what happened. Maybe a management change. They still have great prices, but if you have to use them or need them, good luck on you endeavor.