I just don't understand what is so revolutionary about simple that they're getting so much press... I've used USAA for over a decade. Camera-phone deposits from my HTC Hero... Always get a human on the phone within a minute of calling unless there's some major issue affecting everyone... Never been to a branch (if…

Credit cards are far safer. For a major card, you haven't really lost anything to fraud until you pay the bill. If it's from a debit card, that money is gone until the investigation is over...

I have USAA - $1 was charged by someone who wasn't authorized. I had a phone call from a real human within 10 minutes asking if it was legit. They got the CVV code wrong, which is what tipped USAA off.

There are credit / check-systems requirements like any other bank...

you can do deposit by phone if you have a line of credit on your account. Their interest rates on credit cards are low enough to make most people switch. If you can't qualify for credit, you can even set up deposit by phone on a secured credit card.

just get a credit card and dont use it. Or even just an overdraft line of credit, and never use it.

Not quite - anyone with a line of credit (or insurance) with USAA to be able to use deposit-by-phone. The reason is that there is no holding period on checks deposited this way - if it bounces, and that would cause to you to go negative, the difference comes from the line of credit or credit-card. I don't know the…

Hey... show us a finished product plox. thanks.