Holds are the norm in the banking industry today due to high prevalence of check fraud. Depending on the type of check and your account history (NSF or late payments), banks may release some or all of the funds to you. Even if they do, you are still liable if the check is returned unpaid. Even in today's electronic age, checks do not clear instantly and can be returned by the issuing bank up to 10 days later.
I am so sorry to hear about your current situation. We would like to get more details from you and see if anything can be done. We would appreciate you sending us a message here with the best way to contact you, so that we can have a specialist review your accounts.
In case you are interested the depository agreement (which can be found here) you can read into the details about the deposit process here at USAA.
Thank you for your participation here in Community. Per our Moderation Guidelines, personal attacks will not be tolerated here in the Community. Offending posts will be removed. We value everyone's opinion and feedback, however we must have guidelines. - Wendy