That’s wasn’t there fault of USAA, it was banking regulations of the Patriot Act.
1. We had power of attorney on his account, USAA insisted that it had expired 30 days after he died and we had to get a new one.
2. We offered the will with executor instead of the POA it took 2 months for USAA to accept it.
3. USAA denied for 2 month that there was a “Subscriber Account” associated with my Dad, a retired LTC, finally after me insisting to keep talking to managers they acknowledged it existed, with over $5K in it.
It was very difficult to deal with them, not the USAA that I joined in the 70s.