Does USAA Offer Business Checking Accounts?

How to choose a non-USAA business account

• Do you want access to a branch? This will help you sort through your options quickly. If you want to be able to walk into a local branch, focus your search on national banks, like Chase and Bank of America; local and regional banks, like Huntington and PNC; and business accounts at credit unions, including those that serve members of the military. 
• How often does your business deal with cash and checks? If your business relies on these services, a brick-and-mortar bank is probably the best fit whether you want branch access or not. Online business checking accounts don’t always let you deposit cash or write your own checks. Those that do may not make it easy — for instance, you might have to order a check and have it sent to your supplier. They may also charge fees for cash deposits and limit the amount you can deposit each day or month. 
• What fees are you OK with? The downside of traditional banks is that many charge monthly fees unless you maintain a certain average balance. They’re also more likely to charge overdraft fees. In general, most free business checking accounts are from online banks and neobanks (financial technology companies that parter with banks).
• Do you want to earn interest? A handful of business checking accounts pay APYs on your balance. Some also offer cash back on debit card transactions. But there’s another way to earn interest, too: Put your business’s emergency fund in a business savings account. In general, NerdWallet recommends keeping such a fund at a separate business bank from your primary account to minimize any potential business interruptions. 
• What integrations do you need? Your business checking account should integrate with your accounting software, at least. Some accounts also offer built-in expense tracking and tax planning tools, which can be especially helpful for freelancers managing their own business finances.