Oh, I believe nowadays anyone can use their banking services. We have a small account that we use when traveling. Any ATM fees are reimbursed up to a certain amount every month. We've used that for maybe ten year (after our daughter told us!). But for sixty years we've used their insurance company for everything we've ever insured. Houses, cars, you name it. Only available to military, former military, wives and children are eligible. I won't bore you with details but when we've had a claim we've never even seen an adjuster.