USAA Federal Savings Bank uses a single routing number for all members: 314074269. Whether you’re stationed at Fort Bragg, deployed overseas, or retired in Florida, you use the same number for ACH, direct deposit, and wire transfers.
USAA Routing Number
| Transaction Type | Number |
|---|---|
| ACH / direct deposit | 314074269 |
| Domestic wire transfer | 314074269 |
| International wire (via intermediary, SWIFT) | IRVTUS3NXXX (The Bank of New York) |
Unlike traditional banks like Chase or Wells Fargo with different routing numbers by state, USAA operates as a single nationwide bank with one routing number for all its members (14+ million per Wikipedia’s 2025 figure — confirm current count at usaa.com).
How to Find Your USAA Routing Number
1. USAA Mobile App
Open the USAA app → tap on your account → select “Account details.” It will show 314074269 alongside your account number.
2. USAA Online Banking
Log in at usaa.com → navigate to your checking or savings account → click “Account details” or “Direct Deposit” to see the routing number.
3. On a USAA Check
The routing number 314074269 appears as the first 9 digits on the bottom-left of any USAA check.
4. Customer Service
Call USAA at 1-800-531-8722 to verify your routing number with a representative.
Receiving a Wire Transfer at USAA
For someone sending you a domestic wire, provide:
| Information | Details |
|---|---|
| Routing number | 314074269 |
| Account number | Your USAA account number |
| Account holder name | Your full legal name |
| Bank name | USAA Federal Savings Bank |
For international wire transfers to your USAA account, USAA does not use its own SWIFT code — it receives international wires through its intermediary bank, The Bank of New York. Per USAA’s official instructions, provide the sender with:
| Information | Details |
|---|---|
| SWIFT BIC code | IRVTUS3NXXX (The Bank of New York, intermediary agent) |
| Intermediary agent address | 225 Liberty Street, New York, NY 10286 |
| Creditor agent account number (USAA Bank) | 8900624744 |
| Creditor agent | USAA Federal Savings Bank |
| Creditor agent address | 10750 McDermott Freeway, San Antonio, TX 78288 |
| Creditor account | Your USAA Bank checking or savings account number |
| Underlying creditor name | Your full name as it appears on the account |
USAA wire transfer fees (confirm current figures at usaa.com):
| Transfer | Fee |
|---|---|
| Incoming domestic wire | Free |
| Incoming international wire | Free |
| Outgoing domestic wire | $20 |
| Outgoing international wire | $45 |
When You Need USAA’s Routing Number
| Transaction | Routing Number? |
|---|---|
| Military pay direct deposit | ✅ 314074269 |
| VA benefits deposit | ✅ 314074269 |
| IRS tax refund | ✅ 314074269 |
| Linking external bank for transfers | ✅ 314074269 |
| Autopay for bills | ✅ 314074269 |
| Linking to Venmo, PayPal, Cash App | ✅ 314074269 |
| Transferring between USAA accounts | ❌ Use internal transfer |
| Zelle payments | ❌ Uses email or phone |
Setting Up Military Pay Direct Deposit
To set up direct deposit for military pay through DFAS myPay:
- Log in to mypay.dfas.mil
- Navigate to Pay Changes → Direct Deposit
- Enter routing number: 314074269
- Enter your USAA account number
- Select checking or savings
- Submit the change
Processing times:
- Active duty pay: 1–2 pay cycles
- VA disability/pension: 1–2 months
- Military retirement: 1–2 payment cycles
ACH vs Wire Transfers at USAA
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | 314074269 | 314074269 |
| Speed | 1–3 business days | Same day |
| Cost (incoming) | Free | Free |
| Cost (outgoing) | Free | $20 domestic / $45 international |
| Daily limit | Varies by account | Higher limits available |
| Best for | Routine transfers | Urgent, large payments |
USAA ATM Fee Reimbursement
| Account Type | Monthly Reimbursement |
|---|---|
| USAA Classic Checking | Up to $15/month (confirm current cap) |
| USAA Performance Checking | Confirm current cap at usaa.com |
USAA reimburses ATM fees charged by other banks up to the applicable monthly cap, making many out-of-network ATMs low- or no-cost — especially valuable for members deployed or stationed away from military bases. Account names and reimbursement terms have changed over time; confirm your specific account’s current terms directly with USAA.
USAA vs Navy Federal
| Feature | USAA | Navy Federal |
|---|---|---|
| Routing number | 314074269 | 256074974 |
| Physical branches | ~14 | 350+ |
| ATM access | 100,000+ preferred (via reimbursement) | 30,000+ free CO-OP |
| Outgoing wire fee | $20 (confirm current fee) | $20 (verified navyfederal.org, Sept. 2026) |
| Mobile deposit limits | $10,000/day (per USAA’s own guide) | $6,000/day (per Navy Federal’s own guide) |
| Insurance products | Yes | No |
USAA excels in digital banking and insurance; Navy Federal offers more physical branch locations on military bases.
Sending Money from USAA
| Method | Cost | Speed | Best For |
|---|---|---|---|
| USAA internal transfer | Free | Instant | Between USAA accounts |
| ACH to external bank | Free | 1–3 days | Regular transfers |
| Zelle | Free | Minutes | Friends and family |
| Domestic wire | $20 | Same day | Large, urgent payments |
| International wire | $45 | 1–2 days | Overseas payments |
Bottom Line
| Question | Answer |
|---|---|
| Routing number | 314074269 |
| Same for all members? | Yes — one number nationwide |
| Wire routing number | 314074269 (same) |
| International wire SWIFT code | IRVTUS3NXXX (via intermediary The Bank of New York — USAA has no SWIFT code of its own) |
| Incoming wire fee | Free |
| Outgoing wire fee | $20 domestic, $45 international |
| Best way to verify | USAA app → Account details |
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