How to Find Your USAA Routing Number

If you’re looking for your USAA Federal Savings Bank routing number, you’re in luck because it’s super easy – it’s 314074269.

It doesn’t matter which state you opened your account, they’re all the same.

Your USAA Routing Number is 314074269.

Many banks have multiple routing numbers, like Bank of America and Wells Fargo, but USAA is super simple because they didn’t go through a bunch of mergers and acquisitions. That’s why some of those national banks have as many numbers as they do.

USAA Federal Savings Bank was founded in 1922 when 22 Army officers joined together to insure each other’s vehicles. They quickly expanded and today they are one of the most respected and well regarded insurers in the nation.

I personally had a run in with USAA when a covered driver hit my car and it was totaled. USAA called me up, took my story, and a short time later cut me a check for the value of my car. It was the smoothest insurance experience I’d ever had and I was the counterparty!

Table of Contents
  1. How to Find Your USAA Routing Number
  2. Different Routing Number for Wire Transfers
  3. Domestic Wire Transfers
  4. International Wire Transfers

How to Find Your USAA Routing Number

If you ever find yourself without a way to look up your USAA routing number on your phone but you do have a check, you can find the ABA routing number on the personal check. At the bottom of each check there are typically three sets of numbers:

  • ABA routing number (nine digits) – highlighted in red below
  • Account number (a lot of digits) – highlighted in green below
  • Check number (a much smaller number, usually 3-4 digits)

The ABA routing number is always a nine digit number, the others can vary depending on the bank. The routing number and account number are flanked by those three squares since they’re machine read.

Sometimes the account number is exceptionally long with a few leading zeroes, just so there’s no ambiguity.

If you’re unsure, you can confirm the ABA routing number with the American Bankers Association ABA Routing Number lookup tool.

Different Routing Number for Wire Transfers

If you need to receive wire transfers, either domestic or international, there is a different number. The ABA routing number is just for ACH transfers.

When sending wire transfers, this is USAA’s address:

USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288

Domestic Wire Transfers

For domestic wire transfers, you will want to use the Wire Routing Transit Number 121000248.

International Wire Transfers

International wire transfers are slightly trickier because USAA uses The Bank of New York Mellon as an intermediary when receiving international wire transfers that require a SWIFT code.

Their International wire transfer (SWIFT/BIC Code) is IRVTUS3NXXX and you will need to provide this information:

Bank NameThe Bank of New York Mellon
Bank Address225 Liberty Street, New York, NY 10286
Beneficiary bank acct. #8900624744
Beneficiary bank
account name
and address
USAA Federal Savings Bank
10750 McDermott Freeway
San Antonio, TX 78288

Then in the final credit to recipient fields, make sure to include your account number, full name, and physical address.

If it does not require a SWIFT code, you can use the Transit Routing Number 314074269 with the same address. Credit to the recipient will be your account number, full name, and physical address.

If you are unsure what you should be entering, you can always call up USAA and ask – 1 (800) 531-8722.

Other Posts You May Enjoy:

6 Best Checking Accounts For Teens in 2021

Before you open a checking account for your teenager, you’ll want to consider which features are most important for you and your child. For example, some teen checking accounts have lower daily ATM and debit purchase limits than others. Plus the level of parental control varies widely.

What Is Payment For Order Flow?

Payment for order flow (PFOF) is the practice of retail brokerages routing customer orders to market makers usually for a…

The 8 Best Debt Snowball Spreadsheets

Debt snowball spreadsheets are extremely helpful in planning your debt freedom strategy. Different spreadsheets work in different ways. Some are quick and simple, some are complicated and detailed.

Should You Try Envelope Budgeting?

Envelope budgeting is a simple, old-fashioned yet highly effective way to manage your money. You put cash into physical envelopes and then spend according to the plan. If you run out of money in an envelope, no more spending in that category for the month.

Jim Wang

About Jim Wang

Jim Wang is a thirty-something father of three who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and a farm in Illinois via AcreTrader.

Reader Interactions

Leave a Comment:

As Seen In: