If you're depositing it by deposit@mobile or deposit@home it can be held up to seven business days. If you deposit it in person or by mail it is available much sooner (see page 19 of this document that you got when you opened the account)
You should ask your employer to direct deposit your pay into your USAA account. I actually get paid one day before everyone else at work because USAA credits my direct deposit earlier than some of my co-workers banks.
I'm sorry you have these problems. If you're living paycheck to paycheck ask one of the USAA financial planner people for some strategies that can help - direct deposit is one, but I bet they have others. I've always found USAA very helpful.
They can hold for 7 business days (the day of deposit doesn't count nor do weekends). So in your example 7 to 17th is really only seven business days. It sucks to not have access to your money for that long, I certainly agree about that.
Your best bet is to get direct deposit, I know some really small companies don't do it, but most places do. You can even (usually) split up accounts say 50% to USAA and 50% to someplace else or by dollar amounts $100 to USAA savings and the rest to USAA checking.
I agree that the holds on deposit@mobile suck. It is what it is because of criminals trying to defraud the bank. Think of the IRS refund scams, and Target credit card fiasco recently. Electronic financial transactions are the trendy new scam and unfortunately USAA has to protect itself.
The free postage paid deposit envelopes might be an option (not the best as it is still 3 or 4 days but that beats 10 or so). If you mail it on Friday and the post office moves it along quickly you can have it in San Antonio Monday so you'd get the first $200 on Monday and the rest the next day (according to the chart linked below on page 19).
Here is how to order the free postage paid envelopes :
This link takes you to Harland check printing, but they are really free at the end of the 4 or 5 pages you go through.
Here is a link to the chart that shows how long holds are (except deposit@mobile which is in the paragraph above the chart on p. 19)
I hope things work out for you.
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727 have you been paying any attention to what this person is saying? her work place dose not do direct depoits and for that matter neither does mine. I have a fee that needs to be paid in order for me to get a liscence but because USAA keeps on holding on to half of my paycheck i can't pay the fee and thus am unable to get my liscense. I am also looking into getting a seperate banking account to get around this. Not all buisness, espacially small buisness have direct deposit and USAA does not have branches everwhere so your so called advice is not at all helpful