Welcome to Android Central! Which phone? What do you mean by "turn off USB," and what does this have to do with an SD card? Are you using a USB card reader to read the SD card?
The USB port (which can't be "turned off," whatever that is supposed to mean) has zero to do with the SD card. You're going to need to create an account here so you can reply to your thread and give us more specific details on what the problem is.