I'm having trouble getting a reference to USAAs current eligibility information, because their website is a mess of badly named links and what Google finds redirects me to their homepage, but as I understand it pretty much everything under their banking umbrella is now available to everyone, including the credit card and loan stuff, and with it, remote deposit access. That said these breathless USAA cheerleaders should try having actual contentions with them sometime, it's a pretty poor experience reminiscent of news stories you hear about BoA and similar
I've been a USAA customer since 1999 and have always had great customer service from them. The most recent instance was about a year ago or so I had several charges I didn't recognize for a few hundred bucks each hit my checking account one morning. They were all for perfume and shoe stores in the UK (I was living in FL at the time). It took about 5 minutes on the phone to get the charges removed and a new card on the way.