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Hi Kelvin12,
Thank you for your question. Here is what I found in USAA's Depository Agreement (page 30 of the document)
Special Rules for New Accounts
If you are a new account holder, special rules may apply during the first 30 days your account is open.
If you want further details about the hold on your funds please contact a member service representative at 1-800-531-8722. Thank you for posting.