Meh, Nothing Special

So I have USAA through my dad for the insurance on both home and auto. That's what you want if you can get it. We figured the bank would be super as well. We have checking and a credit card through the bank end, and, well, meh. What do you really want from an online bank? They honor checks, provide ATM cards, oh, and they rebate fees other ATMs charge. That's kinda cool, but not the real reason for staying. The real reason is that I have no desire to put up with changing accounts if I don't have to. BUT, I've never worried about FDIC taking it over, and generally never had a problem.