USAA has changed dramatically! They require up-teen passwords to get on! I was late once in 18 years on my mortgage because i decided to pay cash for Christmas. They called me everyday until the 15th! Once I was late …once. Left them on my mortgage. They've gone up in price! They've opened the barn doors to everyone.( probably because they accept everyone) Getting ready to jump to a State Farm or Geico for car insurance. Not what they used to be!