I'll second this article, having for a lot of my life always opened an account at a local bank and in recent years switched over wholly to USAA, they are head and shoulders above anyone I have banked with. I have always had my insurance through them, so cannot really compare them to anyone else, but I have been so happy with them you'd have to drag me kicking and screaming away.
I feel bad that my children may not be able to use them for insurance as well (me being the air force brat, not them).
I'm pretty sure your children will be able to use it -- they'll be eligible because they were a dependent of a member. (Just like your spouse would be eligible as well, because they are the spouse of a member.) That's all it takes, really.
I feel bad that my children may not be able to use them for insurance as well (me being the air force brat, not them).