funtime, if parents/grandparents wish to gift their kid $$, its easier just to send them a check for them to make the deposit into their Naval Federal Credit Union accounts. Banks most often will charge fees for transferring to "outside" banks (meaning our accounts). Bank of America, for instance, charges a fee for every transfer.
Speaking of fees, Mids have the opportunity to also bank with USAA as KP2001 mentioned. I adore these folks. When Mids travel, & they will, any & all atm fees are reimbursed no matter if in the good ol USA or out of the country. They also offer a lot of benefits such as great insurances, low interests loans & credit cards, ect. Son uses USAA more than his NFCU account. An FYI though - kids at KP are not paid a stipend so they really don't utilize the NFCU for a monthly direct deposit.