I just researched their website and it appears you are right. My mother in law told me they were opening up the public, (she's had them for years), and then I started to see their ads on Yahoo.... I should no better then to take the word of in laws.
From USAA.com And I've always had GREAT service with them... *shrug* Edit: Argh...should have finished reading the thread.
wachovia is not bad at all actually hardly any traffic in the branch and they are the best when it comes to customer service, prob because they dont have many people in the branches, but if thats what your looking for then i recommend wachovia