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RE: USAA if you have $10k or more to save
I bank with USAA and they have great customer service. I may not be able to have a cup of coffee with the manager, but a financial advisor will spend an hour on the phone with a me, a medical professional who has never had a finance or business class in my life, to explain everything I need to know so that I could make an educated decision regarding purchasing a home - for free. Consumer Reports and my Home Buying for Dummies book rates them in the top 10 for customer service.
In addition, at the end of their fiscal year they deposited money in all savings accounts, a percentage of the amount you had in your account. They did so well financially they wanted to give some back to the customers - no strings attached.
USAA rocks.
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