Let the hive mind of Engadget get that for you.
"I'm looking for a pair of quality headphones that aren't seemingly made of glass. I'm an avid BMXer which causes me to frequently bash on any type of technology that joins me for my daily riding. I've been through the higher quality headsets in the Skullcandy line as these are supposed to be built for "abuse," which is laughable. I cant wear earbuds or canal buds, as my large ears seem to have a repelling property upon anything that sits in them. Wired or Bluetooth doesn't really matter, but I need something that can hold up to taking a few hits every now and again. I'm trying to keep 'em under $150. Thanks!"
History lesson: USAA was founded by professional U.S. Army officers. When they first started as an auto insurance company, they didn't even verify members' claims ... they just trusted fellow officers (considering they trust them with their lives on the front lines) to tell the truth about the damages to their vehicles.
Sure, the company has since opened their services up to more than just the officer corps of the Army/Navy/Air Force/Marine Corps/Coast Guard, but falsifying a check remains a federal offense -- how many service men and women, officer or not, do you really think are that renegade?
Deposit@Home has been around for years, enabling it one the iPhone is just one more example of good ole private industry innovation.