I had someone demonstrate to me just how great USAA's mobile banking features were, and immediately I determined that I would get an account with this fantastic bank. Alas, this fellow failed to inform me that the bank was only available to military members. Very disappointing.
"Don’t be discouraged by the questions on your non-existent military background – their banking services are available to all. Select no on all the military questions, hit submit, and you will be banking with the best bank in the US (for now)."
"Don’t be discouraged by the questions on your non-existent military background – their banking services are available to all. Select no on all the military questions, hit submit, and you will be banking with the best bank in the US (for now)."
And that's corroborated by the USAA website. However, I'm not sure if non-military members can deposit checks by scanner/iPhone/Android. The USAA site says you must be eligible for USAA property insurance, which is military-only, to qualify for their remote check depositing services (called Deposit@Home and Deposit@Mobile).
This is correct, at least as of a couple months ago. The home deposit feature requires the military-only insurance line.
I opened an account back around when the iPhone app first came out only to discover creating my account. My short time with USAA I can say they had very good customer service but the only thing that makes them better than Schwab, Ally, etc. is the home deposit feature.
Now my credit union BECU has home deposit as well. ~6-7% interest on the first $1000 and 0.5-0.75% for balance over $1000. BECU is only open to WA-state and Boeing employees though. If you can open a BECU account I'd highly recommend them. If you can't and don't need the home deposit feature Ally's website is pretty top-notch and they have very competitive rates and features.
