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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.




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