Usaa ach credit and debit3/16/2024 ![]() Have you ever forgotten about a scheduled bill or a check that you wrote? It happens. The standard overdraft setting: Elapsed time 0 minutes 0 seconds ![]() This means only $100 of the deposit is available for the overdraft fee refund.įor more information, review the Funds Availability Policy of the Depository Agreement and Disclosures. This includes holds on deposits or other types of holds.įor example, you deposit a $500 check to your account using USAA but a $400 hold is placed on the deposit. Funds on hold don't qualify as a deposit for this refund. ![]() You'll need to keep track of checks you've written or payments you've authorized.Īvailable funds: The funds must be available for use. There may be items that affect your available balance that don't appear on the USAA Mobile App or until after processing at the end of the business day. This doesn't include the overdraft fee, which is subject to a refund. In other words, your account's available balance must be overdrawn by $50 or less after all items are processed at the end of the business day following the posting date of the overdraft item. CT for most other deposit cutoff timesįor more information, review the Funds Availability Policy section of the Depository Agreement and Disclosures.Īmount of deposit: The deposit must be enough to bring the account's available balance to at least negative $50, not including the overdraft fee subject to refund. CT for USAA ATMs that accept deposits, unless a different time is posted on the ATM The lobby and drive-thru may have different cut-off times. on Tuesday or earlier on Tuesday depending on which deposit method you use.įor most business days, the cutoff times are as follows: Timing of deposit: We must receive the deposit before the cutoff time on the business day following the posting date of the overdraft item.įor example, if an overdraft item posts to your account on Monday, we must receive the deposit before 9 p.m. We'll provide a refund of an overdraft fee charged to your account if we receive a qualifying deposit to your account.Ī qualifying deposit could include a funds transfer, Zelle® deposit or deposit of other available funds. ![]() This means your checking account transactions could be returned unpaid if there isn't enough available credit on your protecting account.įor details, review the Depository Agreement and Disclosures (Opens in new window). It's automatically set to our Auto-Decline setting. Then your checking account isn't eligible for Standard Overdraft. Let's say you enrolled your checking account in overdraft protection and linked a USAA Bank credit card as your protecting account. ![]() This means available funds from the protecting account automatically transfer to your account to help cover your transactions.īut what if you don't have enough available funds in your protecting account to help cover your transactions and your checking account is set to Standard Overdraft? We may choose to pay the transactions, at our discretion, causing an overdraft. Let's say you enrolled your checking account in overdraft protection and linked a USAA Bank checking or savings account as your protecting account. ![]()
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