I echo many here - have been a USAA member since 1981. They used to be a great one-stop shop - not so much anymore. I use their insurance products and keep a notional amount of cash in my checking account to cover the auto-pay to my credit card for the insurance premiums. I have had several painful phone calls with them when moving to/from overseas the last few times and it was baffling as they used to be so easy to deal with as military personnel tended to move a lot. Things change, I guess. For now, I will stay with them for insurance only.
For FL residents, I've heard that USAA will cover your house, although it is quite expensive. My father, who has lived in mid FL for 30+ years now was not as happy as he used to be, however, he said that is his only option for now.
Deserat aka Bridget
“We sleep soundly in our beds because rough men stand ready in the night to visit violence on those who would do us harm.”