USAA reports credit card data to the major credit bureaus, but also realized they report "all" ACH payments from your USAA checking account to Early Warning. EWS maintains a running list of dates, company paid, amount, etc. of the ACH payments dating back to the time I first opened my USAA account. PNC does the same. Long pages of data.
That's a lot of information. I love USAA, but now want to find a bank that doesn't report all of this to EWS. It's creeping me out. 
Ugh, indeed.
I knew they were shifting away from Paypal to Zelle (previously clearXchange) - which is now owned by EWS - for person-to-person payments, but I didn't know they would be going "all in" with EWS. 
It's not enough to make me leave them, but I'm glad to know what's going on... thanks for the heads-up.