I'm sorry to hear that happen to you. I have never had that experience, but I've been an USAA member for years and I think the policy changes over time. Something similar happened to my son where he had to wait a certain amount of time before he could use a cashed check. He called and was given specific information on when that changes and I believe his deposits are immediate now. It is worth calling and finding out how the policy works. It may also have something to do with having direct deposit, but I'm not sure.