“Fee Free”

No fees. Everything is free that is allowed to be free. I don't have a savings account anymore because USAA helped me realize its not what I need. What bank would tell you that you don't need their product unless they meant it. Savings accounts are regulated and since they cannot be accessed for certain transactions more than 6 times a month by federal rule, its not a good account to move money from quite often. The diversity of accounts available though, I switched to a money market account, earning an insane interest. Since USAA is more of a financial provider than a bank or insurance company alone, I am able to open my free brokerage account and pay for my trades from my checking account. This company is awesome!