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"In addition, anyone with any sense would put their money into the USAA savings account that would earn about 1.75% instead of 0.5%"Ummmm, how about ING at 3%?Ak, a USAA Insurance and CC customer for years, but I have a better banking deal with my credit union, MUCH better, in the hills north of Fairbanks.OK - here's what I meant: anyone who is using USAA for their checking account would put whatever is not instantly needed in the USAA savings account and transfer it out as needed, thus earning a higher rate on said funds. Long term savings of course can earn more elsewhere.-zBTW, what is better than:1) ATM rebates of $1.50 up to ten times per month2) Free online banking (I'm anticipating free online bill pay pretty soon, but that's just a hunch)3) Debit card that pays 0.5% cash back, along with interest bearing checking (minimal rate) and savings (decent rate, usually lags ING by a little over 1%)4) No minimum balance5) No monthly fees6) Free transfers to/from any bank in the US7) Free OD transfers from savings, or no-fee transfers from USAA credit card (interest does accrue from date of overdraft)8) Very long hours for toll-free customer service9) Customer service reps who actually know what they're doing and who seem happy to be doing it10) The benefit of being able to have all my major accounts in one place (I do keep an ING account for emergencies)
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