Is there an easy way to get into USAA for non-military people?
For what it's worth, my brother (Air Force) sold me on USAA after he signed up with them. I worked at Wells Fargo at the time, so I had the best accounts. I'm happy I made the switch. Also, their web interface and iOS apps are excellent. By far the best I've seen.
They also have a deal with UPS that allows you to go to a UPS store where they swipe your ATM card, scan the check and process the deposit. It's free. I believe the UPS method is the only one available to USAA bank customers that are not eligible for the insurance products. It's not too bad. There are a lot of UPS stores and their hours are at least as good as most banks.