[ssimpson]

USAA also batches their debts and payments differently than other banks, to help their members minimizes any fees incurred. Their customer service saying is "assume positive intent" and they have amazing service. I will probably be a customer for life.

[tlrobinson]

For awhile Bank of America did the exact opposite, ordering transactions each day from largest to smallest to maximize the number of overdraft fees. Fortunately that truly evil practice was put to an end when they lost a $410 million class action lawsuit.

[thrownaway2424]

I worked at a company that developed hardware (check scanning) and software for banks. _Every_ bank wanted the feature that batches transactions on accounts from largest to smallest, to maximize the overdraft fees. That was in 1994 so it has been going on for a long time.

[a3n]

The other day I took a picture of a check that I received, with their phone app. They credited the check to my account immediately. Not "pending," it was in there with no unusual note. I assume it would have been on me in some way if the check bounced, but still.

If you're eligible, you should join USAA.

[guac]

That's standard practice with USAA. My first few checks had a pending status but after that (100s of checks later) they all posted immediately. Same thing happened when I signed up my wife. It's a selling point of USAA.

My paycheck also posts immediately, I get "paid" Thursday while everyone else I work with gets it Friday.

[MichaelGG]

Hah and with Wells Fargo, a check from one account to another will take a day or two. Online transfers take up to three.

[e40]

USAA is, indeed, an exceptional bank. Hard to get in, though, unless you have served in the military or have a parent that did. My father was quite surprised when I asked him to sign up for a website account (not bank account) so I could use that to join.

You see, USAA was one of the first banks to have an Android check deposit app. Years before B of A.