The depository agreeement can be confusing around overdrafts, overdraft protection, ACH transfers and stop payments.
Even without overdraft protection enabled some banks will overdraft an account for certain types of transactions, including electronic ACH transfers, which they treat differently from 'one time' transactions, such as checks or ATM withdrawals.
It would be nice if USAA's system could better recognize overdraft protection cash advances and temporarily raise the credit limit if necessary, and/or stop the ACH payment in the first place.
I spoke with USAA this morning and I finally was able to suss out more information. They state that a stop payment takes three (3) days. I have never heard of that before and it has never taken three (3) days to stop a payment at BoA (twice). I got them to refund both NSF fees, but I could NOT get an answer as to why USAA didn't suggest a stop payment on the ACH from the beginning. I believe the answer is simple, they try to make profits off of their excessive fees. I know it does NOT cost the bank $29 to process a NSF. Pure profit for USAA.
I have gotten two (2) responses here from USAA and one (1) through My Documents on the website...all saying they are researching the problem, but NONE of them have taken the time to actually contact me regarding the issue. All I get are empty apologies when I call in.