<prompt> Human: The card is available for members in 28 states and has a single caveat:Direct deposit at least 1000 into a USAA checking account monthly using a single direct deposit.UPDATE: Just spoke with USAA about this product. -They DO allow ACH debit transfers to cover the 1000-Qualifying purchases are very straightforwardno nonsense-The initial 90 days after application are a grace period and the 2.5 rate is applied to purchases. This period is designed for the member to get their direct deposit in orderEdit: single direct depositthanks, uExodusRamus for pointing it out  <response>: The 1000 direct deposit has to be a single direct deposit, not just 1000 over the course of a month. Some bank account ACH transfers count as DD. I can confirm that Navy Federal does. 