<p>Both Navy Federal and USAA have their benefits. My Mid got turned off by Navy Fed and is sold on USAA. Some others have found the opposite. Investigate both options and make a choice based on what works best for your individual case. </p>
<p>My Mid also has kept a small amount in his Civilian Bank savings account and a good amount in the checking account as it has many local branches in Annapolis and DC. Since it is the same bank that I bank with it makes online transfer of funds very easy rather than having to pay a transfer fee to USAA or write him a check.</p>