I have had many issues with USAA. The latest being that I canceled insurance coverage with them, because they are no longer the cheapest or provide any service as they used to, requested the funds be put directly into my USAA checking account. They did not do this and sent me a check. I deposited this check from USAA into my USAA checking account and they put a hold on my account for 7 days. It turns out that USAA does not use USAA for a bank. The check that USAA wrote me was drawn on Bank of America. i now assume that USAA does not use their own bank becuase they are not customer freindly and there is no one employed that can overule a computer. Bank of America says that they have processed this check and USAA has the funds but they will not take my hold off. This has caused me many problems because I was expecting that money to be directly deposited into my account. I do not think it is legal for and institution to hold a check for longer than two days if it is from them? Or if funds have been collected. My hold will come off within a few days but the damage is done. If you are thinking of using USAA please do not for your sake. It is true that they used to be a wonderful company but now all they can do is explain how the computer algorithms are treating you, and you already no it is not good. So if you have a problem get ready to talk to the "Executive Resolution Team" as they are called. They have no direct phone number and do not resolve a thing matter of fact they only tell you that you are the problem with out helping a bit. On another occasion they locked my account down while at a resteraunt with nobody that can do anything about it on the phone. I had to walk out on the check and luckily they did not prosecute me. Only becuse i could show them on my phone that the money was there and that my bank would not let me have it. I have been a member for 11years with the first three or four being a good expericance but the latter is unimaginally horrible. My father was a veteren and has used USAA for more than 40 years even represented them as a Lawyer employed by a big firm. He used to sing praises and now the first thing he says to me when I talk to him is have you got rid of USAA yet? Hoping that I have.