Our daily deposit limit was reduced to $1,000 overnight without warning. Our accounts are in good standing and have always been in good standing. In 17 years we have never had a single overdraft on our accounts and none of my checking accounts has ever overdrafted.
This reduction virtually makes our checking accounts useless as one of us does not have direct deposit and we now cannot deposit our paychecks (which are maximum $4,000).
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Hello and thank you for your concern regarding your Remote Deposit Capture limit. I'm sorry to hear that your limit has been reduced. We would be happy speak with you and address this concern. Please know that this limit reduction may not be a direct result of your account activity. If there are joint account holders on your account, their account activity may be impacting the limit that is being set on your accounts as a whole. At your earliest convenience please contact us at 210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722. Our business hours are Monday through Friday 6:30am-10:00pm CT and Saturday 8:00am - 6:00pm CT. Thank you and we look forward to speaking with you!
Thank you so much for your follow-up post. I'm unable to resolve your deposit limit concern through our social channel. We hope you will contact us through our phone channel with the contact information I shared in the previous response. I'm truly sorry for any disappointment or lack of confidence in us we have caused you. We certainly look forward to speaking with you and again I would encourage you to please make sure all account holders confirm if their activity is creating the limit decrease to your deposit limit. Thank you!
After another 30 minutes after the initial hour on the phone I have now been told that the only way to fix the deposit limit issue is to use online chat on USAA as they have the ability to raise the deposit limit. Online chat is unavailable. My other option is to write a written letter and send by postal service.
I'm honestly speechless at this point...
I am sorry about that experience. I would like to take a look. I have reached out to a subject matter expert to review your situation. You will be contacted once additional details are available. Thank you,