Wow, I guess I'm not the only one.
The cash deposit thing can be a problem, but I don't worry too much about it unless it's more than I'm willing to carry.
The scan deposits are pretty cool, and now the even have a mobile version where you can take a picture of a check with your camera phone and deposit it that way.
Also, I can honestly say that I've never had a bad customer service moment with them. If you dial directly into the department (banking, insurance, etc...) you need, a human answers the phone.
A couple of years ago, someone got my debit card info and used it to buy some google adwords (two purchases totalling about $600). Apparently these purchases fit some profile that triggered them to call me, on a Sunday afternoon mind you, to validate the purchase. By Monday AM there was no evidence at all that the purchases even happened.
My only minor dissapointment with them was, they sold my Mortgage about a month after I got it. I can still see my statements online, make payments, etc... through USAA, but the actual mortgage is owned by a 3rd party.
I've actually had them call me to tell me I'm eligible for new discounts (based on tenure, etc...).
Just all-in-all an excellent organization. I highly recommend them to anyone who can scrounge up some eligibility some how.
Here is a breakdown of the
services and eligibility