I feel your pain. I haven't deposited a check in USAA in a while, when we have one of a significant amount, we now deposit in our local credit union. Normally doing it in person will shorten the hold time.
All banks and credit unions are being more aggressive on holding checks to fight the increase prevalence of check fraud. It can takes several days for a check to clear, or weeks before they find out if it bad. If they release the funds early, then they are assuming some risk, and worst they will hold you responsible even if you spent the money already.
I am so sorry to hear about your disappointing experience with our insurance department. We would like further details about what when wrong and what we can do to improve. We would greatly appreciate if you could send additional feedback and details to us here. Thank you.
I apologize for the long hold time you are experiencing. I would like to get a banking specialist in touch to review what is going on. If you could please send us a message here with the best way to contact you, we will have someone in touch shortly. Thank you.