<prompt> Human: I recently posted a few days ago about opening an independent savings account due to the fact that I am 20 and have a joint account with my parents. Currently, that is with Wells Fargo, but since Im contracted and in a pre-commissioning program with the army, USAA is another option. What are the pros and cons of each bank?  <response>: Ive been with USAA for twenty years and I could not be happier. 