USAA Federal Savings Bank is the #1-rated bank for military member satisfaction (J.D. Power 2026) — offering checking with no monthly service charge, no non-sufficient funds fee, and phone and app support. It charges a $29 overdraft fee in some cases and a 1% foreign transactions fee. A preferred ATM network plus a rebate of up to $10 per monthly statement cycle covers some non-USAA ATM surcharges. The routing number is 314074269 for all members.
USAA at a Glance
| Feature | Details |
|---|---|
| Routing number | 314074269 (all members, all states) |
| SWIFT code | None of its own — routes via intermediary The Bank of New York, IRVTUS3NXXX |
| Phone | 1-800-531-8722 (Mon–Fri 6 a.m.–10 p.m. CT, Sat 8 a.m.–8 p.m. CT, Sun closed) |
| Members | 14+ million (per Wikipedia, 2025 figure; confirm current count at usaa.com) |
| Physical locations | ~14 financial centers (no traditional branches) |
| Free ATMs | USAA’s preferred ATM network (no USAA ATM service fee) |
| ATM reimbursement | Up to $10 per monthly statement cycle |
| Checking monthly fee | $0 |
| Minimum balance | $0 |
| Overdraft fee | $29 (max 1 per day; $100 and $5 cushions) |
| Foreign transactions fee | 1% |
| Outgoing domestic wire | $20 |
| FDIC insured | Yes ($250,000 per depositor) |
All USAA Banking Guides
USAA Checking Accounts
| Account | Monthly Service Charge | Minimum to Open | ATM Rebate |
|---|---|---|---|
| Classic Checking | None | $25 | Up to $10 per monthly statement cycle |
| Youth Spending | None | $25 | Up to $10 per monthly statement cycle |
USAA’s October 2025 fee schedule lists these two checking accounts and no separate Performance Checking account. Full details: USAA Checking Account 2026.
USAA Savings & CD Rates
| Account | APY | Minimum | Notes |
|---|---|---|---|
| USAA Savings | Variable; see usaa.com | $25 | Basic savings |
| Performance First Savings | Variable; see usaa.com | $1,000 | Higher opening amount |
| USAA CDs | Set by term; see usaa.com | $1,000 (standard fixed rate) | Early withdrawal penalties apply |
USAA’s fee schedule doesn’t list savings or CD rates, so check usaa.com and compare with online banks. See USAA CD Rates 2026 and USAA Savings Account 2026.
USAA Fees Summary
| Fee | Amount |
|---|---|
| Monthly maintenance | $0 |
| Overdraft | $29 (max 1 per day; none if overdrawn $100 or less at end of day or items of $5 or less) |
| Foreign transactions fee (debit) | 1% |
| Non-network ATM (USAA’s fee) | $0 |
| Domestic wire (outgoing) | $20 |
| International wire (outgoing) | $45 ($20 wire fee + $25 international wire service fee) |
| Incoming wires | $0 from USAA (other institutions may charge on international wires) |
See the complete USAA fees guide.
USAA ATM Access
USAA charges no ATM service fee of its own and refunds non-USAA ATM surcharges up to a cap:
- ATM rebate: up to $10 per monthly statement cycle in surcharge or usage fees at non-USAA ATMs, if the ATM operator identifies the fee
- Daily ATM limit: $600 per card per 24 hours, up to 20 withdrawals
Full breakdown: USAA ATM Limit 2026
USAA vs Navy Federal
| Feature | USAA | Navy Federal |
|---|---|---|
| Physical branches | No — ~14 financial centers | Yes — 350+ on-base |
| Checking fee | $0 | $0 (Flagship: $10, waivable) |
| Savings APY | ~0.01%–0.05% (not competitive with HYSAs) | 0.25% standard, up to 1.35% money market (verified navyfederal.org, Sept. 2026) |
| CD rates | See usaa.com | ~1.25%–3.85% by term (verified navyfederal.org, Sept. 2026) |
| ATM access | Preferred ATM network; up to $10/cycle rebate | 30,000+ CO-OP |
| Overdraft fee | $29 (max 1 per day) | $0 (Active Duty) / $20 (verified navyfederal.org) |
| Domestic wire cost | $20 | $20 (verified navyfederal.org, Sept. 2026) |
| Insurance | Yes — best in class | No — not offered |
| J.D. Power rank | #1 military bank in recent rankings — confirm current year’s results | Top credit union |
See the full comparison: USAA vs Navy Federal 2026.
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