Is my USDC account separate from my Meow Business Checking account?

Yes and no. They're part of the same Meow login, but they are distinct accounts with separate tabs in your dashboard — your Business Checking account and your USDC / Global Account. You don't need a separate email or password to access either, but they operate independently and have separate balances.

How to navigate between them

Once you're logged in to app.meow.com:

• The Business Checking tab shows your USD balance, transactions, wire and ACH activity, cards, and statements

• The USDC / Global Account tab shows your stablecoin balance, USDC/USDT transaction history, deposit addresses by network, and on/off ramp tools

Are funds shared between the two?

No — balances are separate. Money in your Business Checking account doesn't automatically appear in your USDC account, and vice versa. To move funds between them you convert: USD → USDC (on-ramp) or USDC → USD (off-ramp), which you can do directly from the USDC tab.

Do I need to apply separately for the USDC account?

You don't apply for a separate account, but stablecoin access does need to be enabled — it isn't on by default. See How do I enable stablecoin and USDC access on my Meow account? for instructions.