You really need to sit down and read the Depository and Disclosure Agreement you received when you opened your account. It explains the hold times - which includes stating that all deposits via mobile banking are subject to a 7 business hold time to allow the funds to be received from the issuing bank. It is not your own money until USAA receives the actual funds.
For future reference, you can find various locations of USAA ATMs and UPS stores that accept deposits using the USAA locator tool.
Hi King Mac,
I understand your frustration, and DSTEXAS is correct in regards to our holds. If you do have any other questions, comments or concerns in regards to your account, please do not hesitate to send us a private message here, or give us a call at 1-800-531-8722. Thank you again for taking the time to comment.