Great Bank...Sucky Rules

I've had this bank for about a year now, and up until today I have had no complaints about it. My mother actually opened this account up for me when I was away at college so I have never put a check into my account before. I didn't really have to put any money into my account until I got a job. This job just directly deposited my money into my account, so I never had to worry about it.

However, last week my boyfriend wrote a check out for me and I had to figure out how to put it into my account. My mom told me that  I just have to take a picture of the check and they put the money right into your account. This, of course, is more complicated than it sounds, so I looked it up on USAA's website. There, they said that you not only had to have a USAA bank account, but you also had to be qualified for a loan. For whatever reason, I'm not qualified for one, so I can't deposit this check I have sitting around into my account. I also don't live near a USAA branch location so I can't just ask a teller to do it for me. I am really annoyed.

If USAA didn't have this silly rule and they had more branches open, it would be a great bank. Oh well, I'll just have to find another bank that will let me do simple tasks such as cashing a check.