I've been with USAA for close to 2 decades now and have never had a single complaint. I've been extremely happy with both the insurance and the banking operations. I had 3 claims in 2011 -- 2 auto and 1 homeowners (Joplin EF5 tornado) and everything was handled quickly, fairly, and efficiently. The auto claim took longer than normal for repairs because of the extreme workload due to tornado claims and they extended the rental car coverage indefinitely until their recommended garage could complete the repairs.
On the banking side, you can deposit checks multiple ways. You can scan them, use an iPhone or Android app to photograph them, deposit them at any UPS Store, bank by mail, or in person. You can also deposit cash at the UPS Store.
I don't know of any ties between USAA Navy Federal and Capital One. I would not do business with Capital One if you paid me to. I had one of their cards years ago and a payment mailed 2 weeks early was misdirected in the mail. They charged me a $35 late fee and jacked my interest rate from 12% to 39% and refused to reduce it. I sent another check to pay the account in full and closed it. About a month later the missing check turned up and the bastards deposited it. It took me nearly 2 months to get my money back. (My bank screwed up and dropped the stop payment order.)
Although I'm a major credit union supporter, Navy Federal has had a few black marks in their past. Google Navy Federal complaints and judge for yourself. USAA Federal Savings is the ONLY bank that I will willingly deal with.
Neither Navy Federal nor USAA will let you get in over your head with credit. Too many commercial banks are too eager to lend money to folks who are at or past their limit on debt load.
Retired First Sergeant. USAA member since 1994. Credit union member since 1967.