I don't know about inactivity fees with USAA bank. I've found USAA bank to be one of the best kept secrets, no fees, no minimums, ATM fee rebate, useful as ACH hub (in and out of other accounts), excellent funds availability on remote deposit and ACH transfer ins initiated from USAA.
I think the only bank that beats them might be Schwab, which also refunds foreign ATM fees last time I checked and also has more of a local footprint, but is a bit of a PITA as you are opening a brokerage account along with it, even if you don't use the brokerage account.