USAA Federal Savings Bank is the #1-rated bank for military member satisfaction (J.D. Power 2026) — offering fee-free checking, no overdraft fees, 24/7 customer service, and no foreign transaction fees. With 100,000+ effectively free ATMs through its reimbursement program, USAA banking works anywhere in the world. The routing number is 314074269 for all members.
USAA at a Glance
| Feature | Details |
|---|---|
| Routing number | 314074269 (all members, all states) |
| SWIFT code | USAAUS3A |
| Phone | 1-800-531-8722 (24/7) |
| Members | 13+ million |
| Physical locations | ~14 financial centers (no traditional branches) |
| Free ATMs | 100,000+ preferred (Allpoint + MoneyPass) |
| ATM reimbursement | Up to $15/month (Classic); unlimited (Performance) |
| Checking monthly fee | $0 |
| Minimum balance | $0 |
| Overdraft fee | $0 (eliminated) |
| Foreign transaction fee | 0% |
| Outgoing domestic wire | $20 |
| FDIC insured | Yes ($250,000 per depositor) |
All USAA Banking Guides
USAA Checking Accounts
| Account | Monthly Fee | ATM Reimbursement | Best For |
|---|---|---|---|
| Classic Checking | $0 | Up to $15/month | Everyday banking |
| Performance Checking | $0 | Unlimited worldwide | Frequent travelers, overseas deployment |
Both accounts have no monthly fee and no minimum balance. Performance Checking is the better choice for members who regularly use ATMs away from military bases — unlimited reimbursement covers all surcharges worldwide. Full details: USAA Checking Account 2026.
USAA Savings & CD Rates
| Account | APY | Minimum | Notes |
|---|---|---|---|
| USAA Savings | 0.01%–0.25% | $25 | Convenience savings |
| Performance Savings | Up to 1.70% | $10,000 | Higher yield option |
| USAA CDs | Up to 4.50% | $1,000 | Competitive fixed-term |
USAA savings rates lag behind online banks (Ally, Marcus, Capital One offer 4%+). For primary savings, consider a high-yield savings account at an online bank alongside your USAA checking. See USAA CD Rates 2026 and USAA Savings Account 2026.
USAA Fees Summary
| Fee | Amount |
|---|---|
| Monthly maintenance | $0 |
| Overdraft | $0 |
| Foreign transaction (debit) | 0% |
| Non-network ATM (USAA’s fee) | $0 |
| Domestic wire (outgoing) | $20 |
| International wire (outgoing) | $45 |
| Incoming wires | Free |
See the complete USAA fees guide.
USAA ATM Access
USAA has no ATMs of its own. Instead it reimburses fees at non-network ATMs:
- Classic Checking: up to $15/month in ATM fee reimbursement
- Performance Checking: unlimited ATM fee reimbursement worldwide
- Preferred ATMs: 100,000+ Allpoint and MoneyPass ATMs charge no USAA fee at all
- Daily ATM limit: $600–$1,000 depending on account and tenure
Full breakdown: USAA ATM Limit 2026
USAA vs Navy Federal
| Feature | USAA | Navy Federal |
|---|---|---|
| Physical branches | ❌ ~14 centers | ✅ 350+ on-base |
| Checking fee | $0 | $0 |
| Savings APY | Up to 1.70% | Up to 3.25% (money market) |
| CD rates | Up to 4.50% | Up to 4.60% |
| ATM access | 100,000+ preferred | 30,000+ CO-OP |
| Overdraft fee | $0 | $0 (Active Duty) / $20 |
| Domestic wire cost | $20 | $14 |
| Insurance | ✅ Best in class | ❌ Not offered |
| J.D. Power rank | ✅ #1 military bank | Top credit union |
See the full comparison: USAA vs Navy Federal 2026.
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