OP, USAA wasn't terrible about 2 decades ago. They've gotten worse since... but so have all other bank options I have any experience with.
See my comment about the creation of the FED. Why do you think all bank services degrade over time? It's due to the fact that the central bank is constantly siphoning the wealth of the country via interest-backed currency. End result is: costs rise, quality drops, wealth consolidates.
Talk to me when there's an alternative... till then, I'll go with "wisdom to know the difference" (Serenity prayer)
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