@EC4, thank you for reaching out. I do understand deposit holds can be an inconvenience and I can assure you this is never our intent. As with many financial institutions, we place deposit holds to ensure funds are collected upon before the full deposit amount is made available on the account. The length of time may vary depending on several factors. I recommend reaching out to us via chat as we may review the deposit information and provide details regarding when the funds will be available. You may initiate a chat from the Help option on the mobile app or USAA website. You may also reach out to us via phone at 800-531-8722. Thank you. ~ Robyn E.