Oh yes they do! I just wrote a check from my savings acct for a little over $4000, to purchase a used car, and the USAA rep told me today (5 days later, after hearing from the check recipient) that USAA's computer algorithms decided to place a hold on releasing funds from my account (for 10 days)! He couldn't point me to any specific policy or dollar limit when this happens! It's strictly controlled by man-made computer algorithms, and without any notice provided to the customer. (That's pretty random in my book, especially since I routinely transfer funds between accounts and other institutions up to USAA's limit of $5000.) I understand and support security concerns, especially since the check was written to a private party. However, the least that USAA can do is alert their customers when there might be a questionable check (maybe spell out their policy in black and white beforehand?), rather than subject their customers to a surprise hold on funds, which can't be reduced or expedited in any way. Customer service? It's obviously a low priority for USAA. My temporary tag is going to run out, and consequently, another one of USAA's banking customers is made to look like a financial loser!