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My son leaves for bootcamp in July. He has a bank account now. Of course, it's a semi-local bank. I know he will need to change banks once he is in because of access and fees and stuff. His recruiter suggested USAA. She said she had had a few issues with misdirected payroll checks when using Navy Federal.

My main concern is ATM fees and ease of access to his money once he is finished with A school in November or so. Between now and then he won't be using an ATM that often of course.

Can anyone give me some insight on which bank your sailor uses and pros and cons? I guess this is mostly to those parents who's sailors have been in for a while.

Thanks for the help. I like to think ahead and be prepared.

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My son, now medically retired after 6 2/3 years, never had any issues with NFCU and still uses it. The few issues he had with deposits were not on the NFCU side of the equation.

Check your My Page.

My husband has had an NFCU account since 1977.  We still use it for his retired pay, and my VA.  No problems, and every base I was at had a branch and ATMs.  We use a local CU also now, but when we were both active, NFCU was the way to go.  

Their security is top notch online, and they keep tabs on unusual credit card purchases.  I can verify a purchase via text, simple and easy.

USAA is also very good, but I don't have direct experience.

Both give access to pay a day early it seems. 

No direct experience with NFCU.

Both of our Navy kids use USAA & love it.  Between the two of them experience has included a variety of savings & checking accounts, investments, good financial advice from USAA, help with budgeting, and a loan.  Based on their experiences i would recommend.  DD is now in Italy & has had banking issues, not caused by USAA.  They have been great helping her working through it.

I dont know that your son can go wrong either way.

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