This is hilarious. I haven’t been in a bank in decades because USAA doesn’t have one. I think this is a brilliant move on PNC’s part.
The main difference between real banks (NA) and Savings Banks (FSB) like USAA deals with restrictions on lending. There used to be different deposit insurnace funds but they were combined a decade or two ago.
By the way - it appears that USAA does have at least one brick and mortar location with safe deposit boxes by appointment only (but no tellers - do your financial transactions at an ATM there)
10750 McDermott Fwy, San Antonio, TX 78288