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

But from what I can tell, the smartphone deposit feature requires that you be eligible for the 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!