Sorry that happened to you.
I haven't had a problem with holds on checks. My paycheck is electronically deposited, and the funds are available immediately. Same with checks I deposit via mobile deposit. I can understand though why they would place a hold on a personal handwritten bank check - with so much check fraud it is in everyone's best interest to verify the money is indeed real and it's not just a fraudlent check. If they were to make the funds available immediately, and then it turns out the check is fake, it would cost them and you alot of money.
If you have an account with another bank, I would suggest you link it electronically to your USAA account. Once it has been verified, you can wire money back and forth with no waiting period.
Very sorry to hear about your deposit issue. Unfortunately, not having access to your information I am unable to help here in the forums.
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