I have an account at TD that only requires a minimum of $100. I also created the account for transfers to USAA, that is, after the cash/piece deposit to TD, I am transferred by USAA. The most is USAA post the transfer immediately, although it takes a few days for the money to actually arrive via ACH. After depositing cash or a change, I write a check from the local current account and deposit it into my USAA account. Self-writing a check usually costs money in advance (buying cheques), but is cheaper than paying transfer fees than most banks and credit unions charge. We just got back from vacation. I currently have thousands of dollars in cash in my house to be deposited. The easiest way would be to drop it off at an ATM or bank. I am upset that I have to work with another bank, deposit the money and send me a cheque or buy an order of money. If it reimburses the cost of the order, but cheap, it would make it less salty.
It would be as good if they could work with another bank to use their ATMS. Living in my third state now with USAA as my main bank. I keep $1 open in a current account with a local institution. I hate having money or change, and I went to the bank to deposit $0.36. I created electronic transfers from my cash deposit banks. After a few days, I can withdraw my deposits directly. I love Capital One 360 for its large-groin ATMs in Target and other places. No control is necessary! Foreword: I understand that USAA is an online bank. I understand that they do not have many brick and mortar sites. I understand that it is not in their business model.