Usaa Federal Savings Bank routing number

Use 314074269 for USAA checking or savings direct deposit, ACH and domestic incoming wires. USAA’s routing-number page gives that number for the bank, and its direct-deposit and wire instructions repeat it without a state-by-state variant.

Routing / ABA number

314074269

Bank name for a payer

USAA Federal Savings Bank

Address for wire instructions

10750 McDermott Freeway, San Antonio, TX 78288

A third number, 122487129, belongs to USAA Savings Bank — a separate Las Vegas institution, formerly USAA Credit Card Bank, which the FDIC records as inactive from 1 June 2024. Not a deposit-account number.

USAA lists exactly four things to give an employer or payer.

1. 01Bank name: USAA Federal Savings Bank.
2. 02Account number, from a statement, a check or the mobile app.
3. 03Account type: checking or savings.
4. 04Routing number: 314074269.

Early Pay can make a direct deposit available up to two days early. USAA says access depends on when it receives notice from the payer, generally one to two business days before the scheduled date; it is not guaranteed and may vary between pay periods.

USAA’s sheet for a domestic wire into a checking or savings account asks for four things.

1. 01USAA Bank’s routing number: 314074269.
2. 02The creditor account number — your USAA checking or savings account number.
3. 03The account holder’s full name.
4. 04The account holder’s physical street address.

Nothing is charged at USAA’s end for an incoming wire, though the sending bank may charge to initiate. Wires arriving by 5 p.m. CT Monday to Friday are generally processed the same day; later ones land the next business day, and none on weekends or federal holidays.

For incoming international wires, USAA instructs the sender to use its intermediary, The Bank of New York, and that bank’s BIC rather than the domestic routing number.

SWIFT BIC

IRVTUS3NXXX

Intermediary agent

The Bank of New York, 225 Liberty Street, New York, NY 10286

Creditor agent account

8900624744

Creditor agent

USAA Federal Savings Bank

Creditor account

Your USAA account number

Currency is the catch. A wire sent in anything but dollars is converted before USAA receives it, and USAA says plainly it is unable to provide an incoming rate of exchange. Its agreement warns that rate may include a spread and other costs.

An outgoing international wire cannot be started online: USAA takes them by phone, 7:30 a.m. to 4 p.m. CT, and says the money can take up to fifteen calendar days. Domestic wires usually take one to two business days. USAA publishes no fixed ceiling, but promises notice before cutting your limit below $10,000 per wire.

USAA’s agreement says it may process a payment order solely on the account number, even when the named beneficiary differs from the name on that account. Verify the number independently before sending.

1. 01Read 314074269 back digit by digit — check it is not 114094041 copied from a lookup site.
2. 02Confirm the account number against a statement or the USAA app, not the member number.
3. 03If a wire misses its normal window, call USAA to open a wire investigation.
4. 04Report an incorrect or unauthorised wire within 14 days of the statement showing it, and no later than 60 days.