USAA Savings Bank Account Or Service Complaint

USAA Savings Bank account or service department,

Checking account Deposits and withdrawals Texas

I have been charged multiple NSF fees. USAA goes by the available balance and not the ledger balance. When the debit card is wiped usaa immediately deducts this from the amount before it ever hard posts. There is no cutoff time for this. BUT when a deposit is made, it has to hard post to be used same business day. i feel this is predatory practice! for example, its - and my account has -. I swipe my card for - and it is pending. that same night an ACH transaction comes in for -, the - is still pending. I WILL GET A NSF FEE! even if i transfer to cover the -, because it is after cutoff the deposit does matter. Even if the - never hard posts usaa only sees available balance which is unfair because they do not do the same for deposits. My ledger balance never goes negative however i receive the NSF fees.