We've been USAA since 1963, when I was commissioned in the USAF (55 years). We bank with them exclusively except for maintaining a minimal balance at a local bank so we can change funds, and deposit cash. Our insurance is with them, we use them as one of our stock brokers and investment centers. On our insurance, I dictate how much insurance I will carry on my home and RV and although I have to grumble to them occasionally about the valuations they want to put on my buildings and vehicles and their "automatic" increases, they see it my way and I carry what I determine I need.