Call USAA's customer service phone number at 1-800-531-8722 to check the status of your pending deposits. This number is located on the back of your USAA debit card.
Listen to the prompts and respond to them as required. Start by entering your USAA account number. After you enter your account number you are asked what you are calling about; say "Checking."
Answer the automated prompt by answering "recent activity" when it provides the checking account options you can select.
Listen as the automated voice lists your most recent transactions. Transactions include deposits, ACH debits, cleared checks and ATM withdrawals. If the deposit you are inquiring about is not listed as recent activity it has not yet cleared your account.