I had to transfer a LARGE amount of money out of USAA to another bank, but there are safety limits to prevent fraud (and protect the members). With one phone call I was able to get the transfer done and was advised it may take up to 3 days for it to complete.... it took ONE. ATM withdrawals are also limited, but can be lifted to allow immediate access to funds with a simple call to the bank. They will close your account if you do not manage your account properly just like ANY financial institution. Online banking is a breeze and they refund ATM fees (probably limited to how many). Customer service is some of the best anywhere, especially since they only have one physical location in San Antonio, TX, but it doesn't stop you from depositing checks, managing your money, or making withdrawals.
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I once raved about how great USAA was, but the past few weeks have been a nightmare trying to get access to funds from checks I deposited into their ATM Machines. This is the first time I've ever had this issue with 8 years of loyal customer service and satisfaction. Basically my funds were on hold for 10 days. I've made the decision to close out my accounts with USAA and go over to Navy Federal and use AAA insurance. I can't afford to wait 10 days to pay bills and use funds that should be available to me in a much more timely fashion. I can't believe the horrendous customer service I recieved yesterday; it never used to be like this. It makes me sad to have to close out with them, but I can't afford to be put on hold, my funds put on hold and treated as if the money I deposit is no good to them. Good bye and good riddance USAA.