I am having the same issue . I am a student been with USAA for over 7 years not once have I had an issue depositing checks, but today they're holding a $200 check. A $200 check for 10 days ? rediculous.
I have my credit card with USAA but not my checking. We did have USAA checking from decades ago when they first offered it. We now use Ally.com
Shop around and READ THE FINE PRINT IN THE SERVICE AGREEMENT so you won't be caught flatfooted when an emergency strikes. Also, stick some cold hard cash in a hiding place in the house.