So sorry to hear of your loss and I hate that happened to you.
A good rule of thumb is where ever you are stationed ALWAYS open up a local bank account to cash checks. That way you eliminate having to transfer money all over creation.
So sorry for your loss. Because this is an account specific question we are not able to answer your question here in our military spouse community. Please give our member services representatives a call at 1-800-531-8722, or via the contact us link on usaa.com.