One of the classes of people that USAA offers services to is "other individuals":
"USAA's investment products, most checking and savings products, credit cards, life insurance, and shopping and discounts are available to other individuals. While auto and property insurance policies are not available due to membership eligibility requirements, we can still help."
https://www.usaa.com/inet/ent_utils/McStaticPages?key=why_choose_usaa_eligibility_main&wa_ref=wcu_ma...
I would say something about how these days they're just letting any old kind of riff-raff, but they pretty much blew their standards the day they let me in.
