You can't get a credit card, loan, or insurance product (and by extension, remote deposit access) without a "military connection". I really wish the breathless USAA cheerleaders that come out of the woodwork all over the Internet every time there is a banking thread would remember to mention this.
I'm having trouble getting a reference to USAAs current eligibility information, because their website is a mess of badly named links and what Google finds redirects me to their homepage, but as I understand it pretty much everything under their banking umbrella is now available to everyone, including the credit card and loan stuff, and with it, remote deposit access. That said these breathless USAA cheerleaders should try having actual contentions with them sometime, it's a pretty poor experience reminiscent of news stories you hear about BoA and similar
I've been a USAA customer since 1999 and have always had great customer service from them. The most recent instance was about a year ago or so I had several charges I didn't recognize for a few hundred bucks each hit my checking account one morning. They were all for perfume and shoe stores in the UK (I was living in FL at the time). It took about 5 minutes on the phone to get the charges removed and a new card on the way.
Loans and by extension remote deposit all require a military connection, like I said. (It turns out anyone can get a credit card, which unfortunately is not 'enough' for RD)
"Deposit@Mobile® using your iPhone®, iPad® or Android™ device. Available to qualified members.2,3"
2: 2 You must qualify for USAA's Deposit@Home® and Deposit@Mobile®; eligibility for USAA property and casualty insurance and credit qualification required. Deposits may not be available for immediate withdrawal. (3 is a trademark disclosure.)
Okay, so you have to be eligible for USAA property and casualty insurance. How do you do that?
"You must have a USAA checking or savings account and:
Have an active USAA property and casualty insurance policy and be qualified for a USAA loan or credit card (not a USAA Secured Card).
OR
Be eligible for USAA property and casualty insurance and have an active USAA loan or credit card (not a USAA Secured Card)."
So, you must have or be eligible for insurance. How are you eligible for insurance?
