If you are depositing a payroll check and your employer offers direct deposit, your USAA account accepts direct deposit from your payroll provider at no cost. Direct deposits coming from a payroll provider are not subject to holds as they are considered verified funds. If you are depositing a check or transferring funds from an external bank, you can utilize a wire transfer, which is also not subject to holds. USAA does not charge you for incoming wire transfers. Thank you!