Thank you for your comment.
The holds placed by USAA are done so as means of protecting our members and USAA Bank from fraud and loss. During this time, USAA will confirm the funds are good and make the funds available after the hold timeframe. This is a common practice among financial institutions.
The best option to avoid deposit holds is the use of direct deposit from a payroll provider or wire transfers from another bank. USAA accepts direct deposit from your payroll provider at no cost. If you are depositing a check or transferring funds from an external bank, you can utilize a wire transfer, which is not subject to holds. USAA also does not charge you for incoming wire transfers.
That being said, please contact one of our bank specialists at 1800-531-USAA (8722) to determine the reason for your specific hold and to discuss options for the future. Thank you again for posting.