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... USAA allows you to scan in paper checks and upload them. (How awesome is that?) Not sure about cash.

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feeling like a jerk for going in a store just to use their ATM

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feeling like a jerk for going in a store just to use their ATM

Why? I always assumed that the store got compensated for having the machine there. Why else would they waste valuable store space on a huge cash machine?

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Phew. That was long-winded for something that no one cares about.

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USAA FEDERAL SAVINGS BANK

Service Fee Schedule

Effective July 1, 2006

ATM (Automated Teller Machine) Service Fee No fee at USAA Bank ATMs. No charge for the first ten ATM withdrawals from non-USAA ATMs per monthly statement cycle; additional withdrawals are $2 each. The owner of the ATM may charge additional fees known as surcharges. (ATM surcharge rebates are not available for the monthly statement cycle in which an account is closed.) You’ll receive automatic refunds up to $15 for ATM surcharges incurred per account, per statement cycle. Receive .5% rebate of total purchases made with the USAA Debit MasterCard® when you choose the "credit" key at purchase. Account features and pricing are subject to change.

USAA Check and Cash Card Transactions
No charge at merchant locations
Non-Sufficient Funds (NSF) Fee .......................... $ 25.00* The fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal or other electronic means. No fee if you use Overdraft Protection
Excessive Savings Transactions per transaction.......$ 5.00
Collection Fee NSF checks drawn on another institution .............. $ 15.00
Foreign items ....................................................... $ 20.00
Chargeback Fee .................................................. $ 5.00 NSF Item deposited into account
Stop-Pay Fee ...................................................... $ 25.00* ACH & Check
Official Check Fee ............................................... $ 5.00
Money Order Fee ................................................ $1.00
Research Fee per hour ......................................... $ 15.00 One hour minimum
Statement Copy ................................................... $ 10.00
Photocopy Fee per item ........................................ $ 5.00
Traveler’s Check Fee
One Signature .................................. 1% of total purchase
Dual Signature .............................. 1.5% of total purchase
Gift Check ........................................................... $ 2.50
Expedited Mail Fee ............................................ $ 8.00
Outgoing Wire Transfer Fee**
Domestic ............................................................ $ 20.00
International ........................................................ $ 35.00
**No fee for incoming wire transfers.
Copy of Checks Returned with Statements No fee
*These fees increase to $29.00 effective August 1, 2006.

Savings Accounts That Pay You Back

At USAA Federal Savings Bank, you have a choice of savings accounts with no monthly service fees, ten free non-USAA ATM withdrawals per month, and automatic refunds for fees other banks charge for using their ATMs.

USAA Savings

Earn higher rates as your balance increases with the USAA Savings Account or the USAA Performance First Index Account. With both accounts you’ll enjoy unlimited debits:

•USAA loan payments
•ATM withdrawals
•Teller withdrawals (walk-in or drive-through)
•Telephone requests for check payable to member
USAA Federal Savings Bank is required by Regulation D from the Federal Reserve Bank to monitor the number of transactions on a savings account and take action when excessive transactions occur. The bank could be fined if action is not taken. Due to this requirement, there is a limit of six (6) debit transactions per month for the following transactions (three of which can be a combination of checks or debit card purchases):

•Checks (issued by customer) or debit/ATM card purchases
•Telephone transfers
•Internet transfers
•Wire transfers
•Credit card payments
•Investment Management Company transfers
•Property and Casualty Insurance payments
•ACH (Automated Clearing House) debits
•Preauthorized or automatic funds transfer (internal or external)
•Overdraft Advance Transfer Out (OD from savings)

The first time more than 6 transactions per month are reported, the Account Holder will be notified. The second occurrence, of more than 6 transactions per month, in a 12 month period, will result in an additional notice as well as a $5 fee per transaction over the first 6 for that month. After the third occasion in a 12-month period, the Account Holder will be notified, the account will be charged a $5 fee per transaction over the first 6 for that month, and the account will be converted into a checking account.

FDIC INSURED

EQUAL HOUSING LENDER

USAA Federal Savings Bank
1-800-832-3724
(210) 456-8040
usaa.com

80347-0606

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For many years, while USAA did not market to anyone outside its niche, they would open bank accounts for qualified customers requesting USAA's services. In July 2006 USAA chose to further focus on its target market and will only extend new banking services to people eligible to purchase P&C insurance from USAA. They continue to make an exception for residents of Bexar County (San Antonio, TX) and those people that already have a banking relationship with USAA.

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Isn't USAA exclusively for the military, retired military, or dependants (if they used it before they became ineligible (age 18 or after graduation from school/25))? I know I am no longer eligible for USAA insurance because I never got it when I had the chance (as a dependant).