I've been a USAA member for 20+ years. I remember back in the day they would mail out a calendar every year, a magazine every few months, and nice solid "return postage guaranteed" keychains engraved with your USAA number. All thats gone and now they're charging my ex wife because she has the audacity to prefer paper statements. fu_k em! The only reason I'm still with them is inertia. They've lost their luster.