We are starting to look at some banking options for DD's direct deposit. Since Navy Federal is right there on campus, do most of the cadets prefer to have accounts there, or is it totally up to the individual? Any experience with USAA? Are these really any better than civilian banks like B of A? Since they have branches practically everywhere, it seems easier to access, and we're not familiar enough with Navy Federal or USAA. How are they with online banking like paying bills? Any advice? Also, as a minor under 18, can she somehow open an account without having one of the parents as a co-owner of the account?