My husband and I have had USAA for about 3 years now, and we just love them. We used to overdraft all the time when we had Bank of America but no we've only gone over I think twice and its all been just bad balancing on our part. As far as your star card, if your paying via their website I know that it can take 3-5 days to post to USAA. We had an issue with Star because we set up auto pay with them of the same amount each month, and they changed our pay date to 4 days before pay day? It was weird, and that over drafted our account due to lack of funds. I called Star and got it worked out and the pay date changed. Have you set up any Overdraft protection, it can help and USAA never charges a fee for having to use it. My husband and I don't use a normal check book, my husband made a spread sheet on our computer and we just click off our bills so we stay on track. That way we know what bills we need to pay, and how much we have left even if it hasn't gone through. Also USAA doesn't have transactions go through until 8am est. each day not midnight like most banks. So keep that in mind when you looking over your balance.