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USAA is also available only to members of the military and their families (they've been getting more lax over the years, though).

That is apparently no longer the case. The only major services non-military are ineligible for are auto and property insurance.

You are correct. It's just the insurance that's restricted to military. They are the best bank you'll ever use IMO.

Navy FCU and Pentagon FCU are also great (and open to anyone for a charity donation of around $25). I notice a trend!

But from what I can tell, the smartphone deposit feature requires that you be eligible for the auto and property insurance.