I just want to add one more plug for USAA. I've been a member since about 1982. I've used them for insurance (auto, boat, home, life), auto loans, home mortgages (3 homes + 2 refis over the years), investment accounts, and banking. Because they have always served members all over the world, they have remote service down to a science.
They have always been YEARS ahead of similar institutions when it comes to technology. They have great phone support. The people that answer their phones are extremely competent and helpful. I just had a very informative conversation with USAA about auto insurance options once son leaves (he will be USMA class of 2013). These days, what you can do on their web site just amazes me (and I'm in the web business).
Both my kids have had USAA 'teen checking' accounts (w/debit cards) for several years. They have web access to their accounts but they rarely use that because they can check their balance by texting 'bal' to MYUSAA on their cell phone (their accounts are linked to their individual cell numbers).
As someone else mentioned, I can transfer money quickly and easily by phone, web, or web on my cell phone. It's almost too easy! The kids call me from the checkout line because they know I can transfer the money from anywhere and it will be in their account instantly.
USAA has already sent the form 1199 USMA wants for direct deposit of son's money. As soon as he turns 18, his account automatically converts to a regular account under his name.
One more example of how well their technology works... Back when we were shopping for a vehicle for my son, we found a car that looked promising. I called USAA from my cell phone to get a basic idea of what insurance would cost for that particular vehicle. I gave the representative the VIN and some other details. A week or so later, we bought the car. When we got home I went online to check on adding the car to my insurance. I clicked "add a vehicle". The next page said "Is this the vehicle you want to insure?" and offered all the details already provided in the earlier phone call. Because all the info was already there, I had that car on my policy in less than 5 minutes without even making another phone call.