new accounts they hold money back

[esp1000]

They will hold your funds because you are new. Poor banking policies  for vetrs and  persons with disabilites.Also those on a fixed income that cannot get buy when checks are held. 

[Briana Hartzell USAA]

Dear Esp1000,

I have addressed your other comment here. But here is USAA's policy for new account holders from the depository agreement:

Thank you

[FullBird]

Every bank puts extended holds on new accounts.