The reduction in ATM rebates means, in our area, only getting about 2 free withdrawals per month instead of maybe three. This would be fine with a bank or credit union with brick-and-mortar locations and ATMS (e.g. Navy Federal) but not okay considering USAA doesn't have the overhead of branches. The ATM rebates stood out as a good reason to have USAA for banking.
Non-Sufficient Funds fees overall are grossly excessive (if you think of them as a % of relatively small overdrafts) but I wasn't subject to them, so while I think it's good to get rid of them, it doesn't improve our banking experience.

Across all of their products, USAA just isn't standing out as that special these days. Customer service still gets great reviews but I recently provided financial counseling to two active duty sailors and was on phone calls with them when they called USAA to report auto accidents and, in both cases, the USAA rep was VERY quick to tell them they weren't covered under their insurance. One had hit a curb but felt embarrassed and said he didn't really know what happened. The rep quickly described it as a mechanical failure, not covered, and shut down the conversation. As a 22 year member I was appalled. This happened twice. So overall, these small negative things are not being balanced out by great things.