It is a bank. or credit union or whatever. They carter to service folks so they are really really good at online and remote banking and stuff. They also have excellent insurance rates. One nice thing they do is they reimburse ATM fees every month. So when you uses someone else's atm, they pay you back out of their pocket. How cool is that? I also keep a local bank account but I do most of my stuff with them since their online banking is so great.
Doesn't look like I qualify, in any case. You have to be active duty, retired or recently separated - or a child or dependent of either someone who meets those requirements or someone who is a USAA member.
But I'm glad it made things easier for ya, Jen!