I decided to give USAA a try. I have heard many good things about
USAA, and I like the fact that I would be dealing with a bank based in
my home state (they are based in San Antonio, Texas).

Here is a summary of my experiences with USAA so far:

11/28/2001  Submitted online application
11/30/2001  Accounts were opened
12/06/2001  Received Check Card in the mail
12/10/2001  Received Bonus Savings checks in the mail
            10 checks, many deposit slips
12/11/2001  Received Signature Cards for checking and savings
            and account disclosures
12/12/2001  Used c2it to send $50.00 opening deposit
12/13/2001  Mailed Signature Cards, etc.
12/14/2001  Received checks for the Four Star Checking account
12/14/2001  USAA received the $50.00 from c2it

The deposit from c2it took only 2 days to get to USAA. I added the
$50.00 to my c2it account from a debit card on 12/12/2001 - the funds
were available immediately. I then transferred the funds from my c2it
account to my USAA account. On 12/14/2001, USAA had the funds. c2it
seems to be much quicker than Yahoo Funds Transfer, although I have
been told the c2it time frame is the same as if I had used USAA's own
ACH service.

I am impressed with what I have seen so far.