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 (fee schedule effective October 2025):
| Transfer | Fee |
|---|---|
| Incoming domestic wire | $0 |
| Incoming international wire | $0 from USAA (other institutions or third parties may charge) |
| Outgoing domestic wire | $20 |
| Outgoing international wire | $45 ($20 wire fee + $25 international wire service fee) |
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) | No fee listed | $0 |
| Cost (outgoing) | No fee listed | $20 domestic / $45 international |
| Daily limit | Varies by account | Higher limits available |
| Best for | Routine transfers | Urgent, large payments |
USAA ATM Fee Reimbursement
USAA refunds up to $10 per monthly statement cycle in surcharge or usage fees charged by non-USAA ATM operators, and only if the operator identifies the fee in the information it sends to USAA (fee schedule effective October 2025). Fees above that are yours to pay.
USAA vs Navy Federal
| Feature | USAA | Navy Federal |
|---|---|---|
| Routing number | 314074269 | 256074974 |
| Physical branches | ~14 | 350+ |
| ATM access | Preferred network; up to $10/cycle rebate | 30,000+ free CO-OP |
| Outgoing wire fee | $20 | $20 (verified navyfederal.org, Sept. 2026) |
| Mobile deposit limits | Not published here; shown in the bank’s app | Not published here; shown in the bank’s app |
| 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 | No fee listed in USAA’s fee schedule | Instant | Between USAA accounts |
| ACH to external bank | No fee listed in USAA’s fee schedule | 1–3 days | Regular transfers |
| Zelle | No fee listed in USAA’s fee schedule | 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 | $0 from USAA |
| Outgoing wire fee | $20 domestic, $45 international |
| Best way to verify | USAA app → Account details |
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