My complaint is this. I have been a member of USAA for many years and I've always paid my bills on time, as well as kept an accurate checking account register, but the odd thing is, I always came out with money available in my account when I used my own checkregister in paper and with Quicken Online. Somehow, USAA manages to short my account and double charges me for debit transactions, eventually overdrawing my account and then charging me get this 29.00 for a 12.00 check written for a Tricare Copay when there was 45.00 in the account. Albeit a small amount but its been a tough year. But folks, 12.00 from 40.00 is 28.00. They charged me $29.00 and consequently overdrew my account with the overdraft fee. Has anyone else witnessed this? I'm changing my bank for awhile to see if its just me or if USAA is engaging in deceiptful banking practices. Up till this year, I've never really had a problem but I've always suspected there is less money in the account than my check register shows. I'm very good at recording all transactions, including debit cards.