I do appreciate everyone's comments. Not sure why it turned snarky (a sign of the times, I guess.) Perhaps other fulltimers like myself will eventually face this dilemma as it is not a USAA stance, it's a Patriot Act issue. So after reading all your comments again, I've decided that I will add my winter address as a physical address, keep my Dakota Post address as my mailing address, and simply change the physical address if/when I change my winter location. Hopefully that will meet the requirement, and not generate too many questions from USAA. Thanks again, safe travels, and stay healthy everyone!
Again, here's what you may encounter: But I hope you do not!
"Section 326 of the USA PATRIOT Act requires USAA Federal Savings Bank to obtain, verify and record personal data such as your name, address, date of birth, Social Security or Taxpayer Identification Number and other information that allows us to identify you.
You have been identified as requiring a valid physical, residential address. The physical address must not be a P.O. Box or other mail-receiving address (commonly referred to as Commercial Mail Receiving Agency), even if it appears as a street address. This is separate from your mailing address, which may be a P.O. Box or commercial address. Your physical address and mailing address do not need to be the same. Mail will continue to be delivered to your listed mailing address."