As a Member Community Manager I don't have access to your member information.
We would like the opportunity to explore all options to help. As such, we ask that you please click here to provide us with additional detail and your member information. You can also reach a service specialist at 1-800-531-8722. We hope to hear from you soon.
Since '72, I regret your disappointment about deposit holds. Please understand that when you deposit a check, the “behind the scenes” money exchange can take a week or more. All banks use a standard set of rules for how long to hold these items before making the cash available. At USAA Bank, we strive to make your deposit available as quickly as possible and for most deposits, funds are available immediately. However, according to our Depository Agreement, a check or transfer can be held up to seven business days depending on one or more of the following factors:
You can review the Funds Availability section of the Depository Agreement here: http://bit.ly/2eGd2Pf.
Also, for immediate availability of deposited funds without a hold, we do recommend processing a wire transfer. Our wire transfer instructions can be located here: http://bit.ly/2hPP2hi.
In the meantime, I will share your comments regarding the deposit hold and overall customer service experience with our team. We review all feedback received in an effort to identify areas of opportunity.