Not true. They offer insurance only to military families. Banking is open to anyone. EDIT: This is no longer true as of 2013.

You USED to be correct. I'm not military and I have a USAA bank account. For a couple/few years they opened accounts to civilians, but then reversed that decision about a year or so ago. Now bank accounts are only offered to military again.

Are you sure? At the link listed below, it seems that it's only available for military.

https://www.usaa.com/join/start/?productId=bank-checking-cla...

You are right and I was wrong. They changed the rules in 2013: https://communities.usaa.com/t5/Other/USAA-Changes-Membershi...

They've grandfathered in existing members who wouldn't qualify today.