<prompt> Human: My military career is coming to an end next year after my enlistment ends. I have over 25,000 in my savings and zero debt. No car payments, college loans, nothing. The only two bills I have are internet and cellphone. Im happily married, and me and my wife are looking to move back home to Hawaii after all is done. I dont have a job lined up yet but various family and friends have offered. Im unsure about whether Id like to go to college or enter the work force. Also, having been overseas for over half my career, my credit is likely non-existent I think. Im looking into opening a checking account with USAA here shortly. Where can I go from here, rpersonalfinance?Edit: Forgot to add, I use Mint on my phone to track my finances religiously.Edit 2: Checked my credit score and I actually have a credit score of 728 from TransUnion and EquiFax. Assistant: This may be up your alley? Human: Ive already read and understand most of what is there. Not to mention some of that doesnt apply to me. Cant do much about taxes as a military member, dont have debt but want to create some so I can build credit, not looking to invest right now with a major move looming in my future. Retirement, health insurance? I need to find my next jobcareer first. Im comfortable with saving money and have been preparing myself for the pay cut civilian life will bring. I was just hoping someone could provide some help and direction for me.Assistant: This is the personal finance forum, not so much the what should I do with my life now forum. Thats not meant to be flippant, just trying to set realistic expectations for what a group of strangers can do for you. Some things like opening up bank accounts and establishing credit are the same advice for anybody in this situation. As far as whether you should go to school or start your career, that depends on a lot of information that you know and we dont. Talk it over with people that know you well, and Im sure you will come up with the right plan. Best of luck to you.Human: I wasnt trying to come off rude either, Im still just asking for financial help and advice. Ive already asked what credit card is best, want to know whether USAA is worth banking with or if I should even BE opening another checking account. I was just trying to give background.Assistant: Part of the process of integrating back to civilian life from those who have done so, not so much me personally is adjusting to the idea that you need to choose things, rather than accept choices made by others without question. Youll have to make choices. Most of these will be good. Some might not be, and thats ok. Most of the time, you can change your mind if they werent.USAA is very highly regarded as a provider of financial services, and they specialize in military members. To wit: For the fifth year in a row, USAA led the loyalty rankings not only in the banking category 81 points, but also in the automotive insurance 81 points and homecontents insurance 84 points categories. SunTrust Banks NPS came in at a distant second -- just 45 points. For the second year in a row, HSBC trailed the category with a score of -14 points.And as the consultancy Bain notes, it isnt just in one area of the country where USAA excels, but in fact across the United States:But it doesnt just stop there, as in addition to its strong loyalty, USAA ranked highest compared to the other banks when it came to customer experience, and it was even given the Customer Experience Index Award of Excellence. So...if you want to ease into things, just go with USAA for everything, but keep your eyes open if you want or need something different. For example, other banks have more branches, which might be important to you. Human: Thank you very much for that reply. Ive heard nothing but positive things about USAA so far and hearing this reassures me. Im kind of concerned about having a physical branch I can go to. My current bank Bank of Hawaii has multiple branches in my hometown, and perhaps within the next 3-5 years Id like to look at getting a loan to buy a piece of property. Would you happen to know if USAA is phone-friendly?  <response>: USAA is good at many things banking, but not everything. No bank does everything perfectly. Ive banked with them since I joined the military and absolutely love them, but I keep another bank account too. With USAA you need to have a backup, ie debit card and a credit card. Maybe a 2nd debit card or ATM card too.They really excel at their mobile app, website and phone abilities. Its frustrating if you need to deposit cash or coin, purchase a cashier check, or get cash if youve lost all your cards. You can do it, but there are extra steps you normally wouldnt take. 