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re: USAA for banking? No physical locations?
Posted on 2/13/20 at 6:39 pm to Bluegrass_Cat
Posted on 2/13/20 at 6:39 pm to Bluegrass_Cat
Holds on funds especially on a new account is normal. It will happen even with an established account based on risk criteria.
Does USAA not offer check deposit from their mobile app? Most banks do these days. It would probably still have a hold regardless.
I wonder if the 5k limit is because it's a new account. Fidelity lets you do up to 250k.
I have been using Fidelity for banking for the last few years and ING Direct before that. Neither has physical bank locations and hasn't been an issue for me.
I do keep an account with a local bank for safety deposit box and for ATM. Though I could use Fidelity if I wanted to as they reimburse ATM fees but prefer to keep that separate.
Does USAA not offer check deposit from their mobile app? Most banks do these days. It would probably still have a hold regardless.
I wonder if the 5k limit is because it's a new account. Fidelity lets you do up to 250k.
I have been using Fidelity for banking for the last few years and ING Direct before that. Neither has physical bank locations and hasn't been an issue for me.
I do keep an account with a local bank for safety deposit box and for ATM. Though I could use Fidelity if I wanted to as they reimburse ATM fees but prefer to keep that separate.
2
Posted on 2/13/20 at 7:02 pm to gpburdell
quote:
Does USAA not offer check deposit from their mobile app?
USAA member since 2007 here. Yes, they have mobile deposit.
Posted on 2/14/20 at 7:46 am to gpburdell
quote:
Holds on funds especially on a new account is normal. It will happen even with an established account based on risk criteria.
Does USAA not offer check deposit from their mobile app? Most banks do these days. It would probably still have a hold regardless.
USAA has the fastest releases of any bank I have used. They never put a hold on any of my mobile deposits, transfers, etc. In fact, they post my friday paychecks on the thursday before. I don't get how that happens by it does the same thing for my brother.
I think this hold situation has to be related to initial deposits or something.
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