I'm rather confused how the whole banking situation is supposed to work out prior to R-day. What all are we supposed to do regarding finances prior to this summer? We are supposed to fill out the direct deposit form, but don't we have to already have an account with PenFed or a military bank to do this? Can we set up accounts prior to R-Day, and if so what bank do most cadets go with? Ive heard praise for USAA but I also have heard PenFed seems to be more convenient for cadets. And where does the 2000 dollar deposit go to, the USMA treasurer or into an account? Sorry for all the questions.