To date I've been a very satisfied USAA customer. As a matter of fact, I encourage all veterans I know to check out USAA. I even got one person to switch insurance to USAA. Happy as a clam, I am. There is one exception... I recently paid my credit card bill and a couple of days later I tried to use my card. To my embarassment, the clerk indicated the card was declined. I checked online and found where I had indeed paid the bill but only had $3 available. Huh?? Turns out USAA put a 7 (SEVEN) day hold on my payment. Maybe I missed the "fine print" but I didn't realize there would be a hold on a payment if I made the payment using a different bank account than USAA. Ok, well, now my money is in cyberspace....already gone from my bank account. I can understand a "hold", but SEVEN days? God created the world in less time. In this day and age with everything being electronic, what if USAA changed it's hold to THREE days? This has really left me in a bind.




From your post it sounds like you used Bill Pay to pay your credit card using a linked bank checking account that was not USAA.


The REASON for the 7-Day Hold is that using a linked bank checking account instead of your USAA Checking Account results in a BANK FUNDS TRANSFER ACTION which would be needed to completed FIRST before USAA could complete your Bill Pay Action.


The following question and answer from the Funds Transfers FAQ found here should answer your 7-Day Hold Question.




Q: Once I initiate a transfer, how soon will my funds be available?

A: All transfers are subject to a hold. We may hold all or part of the funds transfer up to five business days. Funds transfers submitted after 3 p.m. CT are considered the next business day and will extend the hold period by one business day.

Funds are available:

  • The same day to cover checks, pre-authorized transactions and ATM or debit card use between USAA Federal Savings Bank (FSB) checking and savings accounts before 8 p.m. CT, Monday to Friday, and to cover USAA Brokerage investment trading.
  • The previous business day for future-dated or automatic transfers that fall on a weekend or bank holiday.
  • In 3 to 5 business days for non-USAA account transfers to USAA deposit accounts.
  • In up to seven calendar days for USAA Investment Accounts when checks or electronic funds transfers are received.


**Remember "business day" means Monday through Friday and excludes weekends. 


I hope I have helped.

USAA does the same thing to me every time I pay my credit card bill.  If I use their system to pay my credit card bill, USAA takes the money from my other bank account then in eight days they "apply" it to my credit card payment.  If I use the bill pay that my bank has, the money is removed from my account and within two days the amount is applied and credited to my USAA credit card account. 


I have been with USAA for over 15 years and have been linked to the same bank for over 6 years. 


I didn't realize that USAA was holding my payments for eight days (business days no weekends or holidays apply) until I tried to us my card and have it declined. 


 When I called USAA, they told me that it was in the fine print on my account and that I should have read it better and after a review of my account (by the USAA rep), she stated that it looked like USAA has always held my payment for eight days and what was the big issue now.  Nice to know that it takes 8 business days to apply a payment but you can apply a charge within one hour of it being made.


Are you charging me interest on the balance while you hold my payment for 8 days or are you just charging me interest on the balance that is supposed to be left?



I passed your concerns to our bank team and they will be reaching out. Thank you.

We're going through this right now. USAA froze our credit card because we made a payment. No joke! We're nowhere near our credit limit, we made two electronic payments from our USAA checking account to our USAA credit card on time that paid the entire bill (just like we do every month) and they froze our credit card account because the risk management computer flagged it. The funds now have a 7 day hold to verify funds and our card is frozen. A corporate employee in their executive department told me that she can see my funds have cleared my USAA checking account, but "sorry" there's nothing she can do. She actually told me "good luck"! Which I'll need, since I'm in the middle of a cross-country trip for a family member's funeral. Our card was denied for a hotel this evening! I'll be pulling our investment accounts, banking/savings accounts, rental property accounts, homeowners/landlord insurance, credit cards, and umbrella insurance out from USAA just as soon as I get home from this trip. I've never been so steamed in my life! We always fulfill our obligations and this is definitely NOT how you "stand behind my family".



We regret to hear of your experience. USAA reserves the right to place a hold on credit availability. This is outlined in our credit card terms and conditions. We regret we were unable to assist you further.

The hold is not due to it being a foreign bank.


I just payed my USAA Credit Card from a USAA checking using online BillPay.

This method has been our only means of paying our credit card for many years.


Our payment was larger than usual (yay) but they decided to put a 7 day hold on the funds (boo).


It has been taken out of checking, and applied to the balance, but the credit limit does not reflect the deposit. So I'm guessing no interest will be applied.


A side note to support staff:


Please don't suggest I should have read unreadable fine print better. The policy is verbose and changes often; it is impossible to keep up to date. Almost feels like that is by design.


Also, please don't think that just because someone wrote that you can take funds out of one account and sit on it for an unreasonable amount of time makes the practice acceptable




I understand you have concerns in regards to holds placed on credit card payment. I will be happy to engage a member of our tam to review this matter further and follow up with you as soon as possible. Thank you for commenting in Member Community today. - Rhonda

Hello Ronda,


Wow, in reading my message, the tone seems a bit harsh.

My intent was more to share my experience with others than complain.


I am a very happy USAA customer.


Wish I had said:




I can only speculate it was for risk measures when something happens "out of the ordinary."

Turns out they do this for both purchases AND payments. Who knew?


Using a linked bank account or a USAA bank account may possibly reduce the chance of a hold, but in my case, it did not prevent it.


Also, my payment was applied quickly to the balance. So, I don't think USAA is doing this to make an extra week's interest off my money.


As for the support staff, I am sorry for my comment. It was more reacting to other customer's complaints than my own personal experiences. I've always been very impressed by your professionalism.


JoeUser1 - Thanks for the follow up message. We hope you have better service experiences going forward. Please feel free to contact us again with any questions or concerns. - Jason