Awesome service. I use them for everything, literally -- banking, asset management, brokerage, IRAs, insurance, pet sitting (not really) ...

I'm buying a house through them now and I just got my USAA referred realtor assigned yesterday. They even did a background check on the realtor!

For new novice investors, they push their own mutual funds pretty hard, which I'm sure every bank does. But, I found their mutual fund approach to be too conservative for younger groups with more time to absorb risk. And they won't mention a simple index fund unless you specifically ask, which most brand new investors don't know to do. So, I would echo others comments - I think they are more skeptical/protectionist as investment managers and I think they miss some upside because of that.

$5.95 for trades once you use up the freebies (20?). Options trades are a little higher. If you do go the fund route (index or mutual) their expenses are among the lowest. Not sure how frequently you can change funds without penalty.