We're truly sorry for any inconvenience caused by the hold process. Unfortunately when funds are deposited through the Deposit@Mobile service, the deposits are not subject to the availability requirements of the Federal Reserve Board regulations. Holds on this type of deposit can be placed at the discretion of USAA. - Darrell
Thank you for your inquiry. 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. If you have additional questions and would like to speak with us, please call us at 210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722. Thank you! - Darrell
Not-so-Happy, I am not a USAA employee but as a former bank employee (10 yrs with B of A), I can tell you that a money order OR cashier's check does not automatically give you money. The two forms of payment are purchased with cash so the funds are guaranteed, but the actual instrument could still be fraudulent. Until someone at the business where the money order or cashiers check was produced verifies that instrument, it is just a piece of paper. The only real advantage to money orders and cashiers checks is you don't have to worry about an account not having money in it. But the actual paper still needs to be verified.