Got shut down by USAA. Given 30 days to get my money out. No credit cards with them. Have had a banking relationship with them for about 15 years and where my direct deposit has gone into. Have mortgage, car insurance and home insurance through them as well. Never missed a payment (with them or anyone).

Letter they sent me says nothing aside from that they are exercising their right to no longer do business with me. Calling in only revealed that the decision is final and can't be appealed. I have done mobile deposit here and there over the years, never more than $1k or 2K per week, even though they increased my daily limit from 10k to 100k about 5 years ago. Last time I mobile deposited was around spring 2020.

Would it be better to close the account myself before they terminate it?