I changed from a local bank to USAA and love it. I hate calling into banks unless its necessary. In the past 3 yrs since i've had them, i have not had to call in once. I can accomplish everything i need 24 hrs day/ 7 days a week just by logging into my computer or phone. I love the fact that USAA has no "hidden" fees. I would recommend it to anyone!
All the complaints I read always seem to be with deposits or lack of and auto pay when your account won't cover. I understand the frustration but it is the customers fault almost every time.