I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the XXXX. 
