Yea a friend was telling me about that. Schwab doesn't impose a limit (that I know of, I've max gone into the $30 range in fees in a month). Schwab also covers international fees, which I believe USAA does not.

I do think USAA is a great org as well, and if you need loans they seem to have some of the best rates, but for my needs Schwab works better

Unfortunately USAA limits mobile deposits to full members. That makes it tough to use as a checking account.