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If you ask any USAA member what are the primary ‘perks’ of membership, they’ll likely rattle off the following: low interest rates, low insurance premiums, free checking, excellent customer service, and no ATM fees (if using a non-USAA ATM, the bank reimburses up to $15 per billing cycle, which is a good deal since USAA has relatively few brick-and-mortar locations). USAA members who book a rental car with Enterprise save 5% on everyday low rates at participating locations along with other unique benefits including no underage driver fee, unlimited mileage (most vehicles) and no additional driver fee for spouses or USAA family members. USAA offers banking services, life, home and car insurance, and independent financial advice from certified financial planners.. Driver training: save for taking a driver’s education or driver training course. Final Word on USAA Discounts. USAA means United Services Automobile Association and its affiliates. 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