I have had this problem on occasion. I'll stop at the local grocery and when I try to use my USAA debit card, it is denied even though I know there is well over $1,000 in the account (usually a $150 or so purchase). Most often this happens due to network problems. Not anything to do with the bank itself or the account/card. It is also why I always have a local account. I keep a minimum in the local account and keep it active enough so the tellers see my face now and again and I don't have problems with an account that is never used.
If you give us a call at 1-800-531-8722 a banking specialist can look into the matter right away. In the meantime, I have sent your comment over to the bank for further review. Thank you.
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