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I use deposit@home and have no formal line of credit with USAA. It may be something they're doing internally, but my only products with them are debit accounts. (My credit and insurance is done elsewhere due to non-competitive rates charged by USAA).

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Yeah, I think its done internally, but according to the requirements you need to have either an active property insurance or an active line of credit, and you need to be qualified for both. So I don't know what's going on there. But I have noticed some of the bank's rates are not competitive. https://www.usaa.com/inet/pages/bank_deposit

You basically have to be P&C eligible to use deposit @ mobile / home. To be P&C eligible you need to be military or spouse / child of military.

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