I hear that a lot. I've honestly never had a problem with WF but that might be because of who is also on the account with me so who knows. A lot of my friends in the military have nothing but great things to say about USAA though but I have never used them for anything other than insurance.
The only shortcoming I can note with USAA is that there is no physical branch available (unless you live in San Antonio) to handle the rare things that are needed from bankers - like a certified check or signature guarantee. Last time I bought a car from an individual I had to pay a friend to buy a certified check from HIS bank - BOA - in order to buy the car. That was a pain.
Also I have a couple of old US Savings Bonds I'd like to cash in but no way to do it.
