CRNA74, I can understand your concern about deposit holds. I would like to share more with you regarding Deposit Holds. Funds deposited using the Deposit@Home service are not subject to the availability requirements of the Federal Reserve Board regulations. We must confirm the funds are available from the other account before funding into your account. For more information on availability of funds, refer to the Remote Capture User Agreement, paragraph 8. You can find the agreement by using keywords "Remote Capture User Agreement" in the search field and selecting the "USAA Letterhead" PDF link. I regret any inconvenience this matter may have caused. - Ben
The Terms and Conditions specifically state that checks deposited via the app may be held. Have you not read that?
Also, you fail to understand that the entire deposit and check clearance process is automated. No human sees the item you deposited. Given the fact no human views any part of the process, precisely how do you expect them to know you wrote the checks being deposited? Virtual ESP, perhaps??