You’re asking this question on an article about how a huge number of people have access to $0 right now because they can’t access their electronic funds. I’d like you to think about that for a moment.

That was very smart of you! I’ve been a USAA member for 25 years, as a legacy (my dad was in the Army).

Well for starters, there are such things as credit card minimums and I personally don’t want to spend $5 extra dollars in an establishment just so I can swipe my card. Also, see Target and all those other stores that suffered a massive data breach. I personally use both cash and card, but I pick and choose where.…

When you have money, people go out of their way so you don’t have to spend it. When you’re broke, they squeeze every cent out of you

USAA (a bank that I, a civilian, joined during its short open enrollment period) will refund ATM feeds. I love them for this.