My roommate is a USAA account holder. They are a bank that is willing to tell PayPal to pound sand when necessary, and they gain a ton of respect for that.

Unfortunately though, they have some kind of inane limitation on debit cards that don't let you have more than a certain number of pending transactions. And given that you generally won't know and never can control when a place that runs your card actually captures, it's led to some nasty surprises.