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I have been searching and calling usaa I have been a member since 1998 with usaa and my history hasn't been the best with them like not paying my insurance or overdrawing my checking account. I has auto insurance paid in full add some other options and didn't send my payment in time and the next thing I knew I was receiving a letter in the mail with a refund check call the number and asked why did I get a refund and my insurance was cancelled and they said because you didn't pay the extra money for the additional add-ons onto your insurance and I that she didn't think I could reopen my account I have called several time and the c/s has said we can do anything for you right now. back then I had a low paying job and was going to school and I paid what needed to be paid now that I have a better job and credit is in a better place can I get any opions on what I should do or can do to reopen my checking account with usaa sorry the post is long HELP!!!