I am so sorry to hear about your hold. If you send us an email her at email@example.com with your member number and the details you provided above, we can get a banking specialist in touch. Thank you.
You need to talk with a financial manager about how to manage and improve your finances. Until you can get that under control, you will continue to have issues like these. USAA has some great financial advisers, or you can use a local Consumer Credit Counseling Service.
Check out www.youneedabudget.com. When your funds are so tight that you overdraw your account (by any amount), you really need to get to know where your money is, and more importantly, how are you going to manage your money to avoid future overdraws. YNAB encourages users to decide what to do with their available funds down to the last dollar.
You Need a Budget (YNAB) is different than other budgeting systems - it's easy to set up on a computer and try out fully for free for a full month, and the company's educational videos and community forum members are very supportive, encouraging, and helpful. The computer version is required to set up and manage YNAB, but there's an app for smartphones for on-the-go transaction inputting which helps to keep budgets current.
YNAB gives away a copy of their software at the end of every free online class and it's completely free for enrolled college students, so for at least a month you can work on your budget the YNAB way without spending a dime, let along a dollar. For those not in college or lucky enough to win a copy after taking an online YNAB class, there are YNAB referral codes from other YNAB users for a discount and there are sales at Steam.
I know this sounds so very advertisement like, but I'm just a happy YNAB user who thinks YNAB is the greatest financial management system I've ever tried.