Is USAA considered a bank or credit union? Either way, they're easily the best financial institution in the US. They are amongst the most tech savvy because they only have a branch in San Antonio, yet their customers are deployed around the world. For those that don't know, USAA was originally setup only for military personnel and their families. Military families get screwed on credit and insurance because they are frequently moving. Their insurance rates were sky high, despite military bases being relatively low crime. So USAA stated offering insurance as a response. It's also non profit as they send you a rebate check every year for premiums minus losses.

It's a fantastic company that does great things because they want to help people, not grow huge profits. They were among the first to do ATM fee refunds (use any ATM), they never charged fees for using another ATM, were among the first with scanned check deposits, then smartphone camera deposits.

If you're eligible, you really should be using USAA. I prefer them even to the local SF credit unions.

Edit: I guess they are both a bank and insurance company.