The reality is that the money isn't yours until the check has been cashed. If the money is made available to you when you deposit the check, then the bank is fronting the funds until it has been received by the bank who issued the check. If the check is returned as unpaid (which can take longer than a week), then you will be liable for all the funds immediately. If you don't maintain a high enough daily balance in your account to cover the check, and/or you have had account history issues before, then you fall into a higher risk category and they probably will not front you the funds.
You agreed to the banks hold policy when you opened your account. It is prudent to plan for the hold or cash the check at the bank that issued it.
From the Depository Agreement:
Remote Deposit Capture and Similar Services
The availability periods described in this section do not apply to funds submitted through FSB’s USAA Deposit@Home, USAA Deposit@Mobile, USAA EasyDeposit, other remote check deposit or remote deposit capture services, ACH debit transactions (where FSB drafts funds from (debits) a non-USAA account for deposit into your FSB account), or other similar services. FSB will hold the funds for up to seven business days from the date of deposit. In some instances, funds may be available sooner than seven business days based on such factors as credit worthiness, the length and extent of your relationship with FSB and its affiliates, transaction and experience history, and such other factors as FSB, in its sole discretion, deems relevant.
I can empathize with your situation. I would like to get a specialist in contact with you to see what can be done. If you could please email us at email@example.com with your member number and the details you provided above, we will be in touch. Thank you for posting in the community.
Before making such a drastic change, we would appreciate the opportunity to talk with you about our hold policy.
The holds placed by USAA are done so as means of protecting our members and USAA Bank from fraud and loss. During this time, USAA will confirm the funds are good and make the funds available after the hold time frame. This is a common practice among financial institutions.
The best option to avoid deposit holds is the use of direct deposit from a payroll provider or wire transfers from another bank. USAA accepts direct deposit from your payroll provider at no cost. If you are depositing a check or transferring funds from an external bank, you can utilize a wire transfer, which is not subject to holds. USAA also does not charge you for incoming wire transfers.
We encourage you to call us here at 1-800-531-8722 to talk about the reasons behind your holds. Thank you.