We haven't been happy with USAA for a few years now. Their service has went downhill majorly. Still, we hung in there with our joint account. When I needed to open up a personal, me only, account so I could better track my money I make from being self employed the woman who helped me set up the account had no issue with it. It was my money, not my husband's. Just because I wanted it separate to be able to track things easier past the cluster f* that is the other account doesn't make me a bad person. A few weeks ago a different woman got on the phone with me and asked me all sorts of personal questions about my "business" that I had. Some of it was none of her business, to be honest, but I was polite and explained what I did for a living. (Graphic art, usually.) She then informed me that USAA doesn't do business accounts and unless I showed some personal use for the account they were going to remove it. Yes, I'm self employed. No I don't have a brick and mortar business. I freelance and sell stuff on occasion as shows. I'm a freaking artist. As for spending: that account rarely saw activity in the first place because I've hardly seen any money this year. If you looked at the account you'd see a couple of charges at places like Michaels. Not a lot of activity. But then again, not a lot of money. It was just my little account where I did my own thing and kept it separate from the other mess. My "business" account, but if you look at it seriously - who the heck am I going to write a "business" check to? Just because I needed it to keep spending a bit cleaner?? It was just a personal side account that a USAA rep helped me set up that someone ELSE took offense to, I'm guessing because she needed to learn to mind her own personal business. Typical in this day and age. Today the account is gone. They just took it. Fine. Except THEY TOOK MY HARD EARNED SAVED UP MONEY WITH IT. THEY STOLE MY MONEY. Happy f***g Valentine's to me. Was it transferred to one of the other two accounts? No. IT'S JUST GONE. It took me WEEKS to get that little bit together. I was going to buy a bean bag chair. (IS FURNITURE PERSONAL ENOUGH FOR YOU OR DOES IT NEED TO BE SOMETHING INTIMATE AS WELL?!?!)