I have responded to your other post here:
Could you please try once more to access private messaging?
Hello @ and thank you for reaching out to us. To use this tool, you must first activate it in your personal Community settings.
1. Click on your user ID in the USAA Community
2. Click on Settings then Preferences
3. Click Private Messages
4. Click on the box that says "turn on private messages. "
5. Click save
Please let us know if you need further assistance. :) ~Sarah
I'm another user who does not have the "Private Messages" option in the toolbar shown, labeled #3.