USAA Routing Number 2026: 314074269 — ACH, Wire & Direct Deposit

In this post, I'll give you everything you need about USAA's routing number — for direct deposit, ACH transfers, wire transfers, and international wires.

I'm Drashco — a fintech professional with 15+ years in payment cards and banking. Let's dive in.

USAA Routing Number: Complete Table

Is USAA's Routing Number the Same for All States?

Yes. Unlike big banks like Chase and Wells Fargo that use state-specific routing numbers, USAA uses a single routing number nationwide: 314074269.

It doesn't matter where you are or where you opened your account. Whether you're in Texas, California, Virginia, or deployed overseas — the routing number is the same.

Here are the most-searched state variants, all with the same answer:

How to Find Your USAA Routing Number

1. USAA mobile app: Log in → select your account → tap "Account details" — routing number is listed alongside your account number
2. usaa.com: Log in → select your account → "Account details" or "Direct deposit information"
3. On a paper check: The routing number is the first 9-digit number in the lower-left corner
4. Call USAA: 1-800-531-8722 (or 1-210-531-8722 outside the U.S.)

USAA Routing Number for Direct Deposit (Military Pay, VA Benefits, Payroll)

Setting up direct deposit for military pay, VA benefits, or your civilian employer? Give them:

• Routing number: 314074269
• Your USAA account number (found in the app under Account Details)

USAA members typically receive military pay up to 1 day early and other direct deposits up to 2 days early through USAA's early direct deposit feature.

For active duty members using myPay: log in to myPay → select "Financial Allotments" or "Direct Deposit" → enter USAA's routing number 314074269 and your account number.

USAA Routing Number for Wire Transfers

For domestic wire transfers to USAA accounts, use routing number 314074269 along with:

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

USAA International Wire Transfer: SWIFT Code

USAA has a SWIFT/BIC code for receiving international wires: USAAUS33. However, some sending banks may route through The Bank of New York Mellon as a correspondent bank. Here's the full information your international sender may need:

• USAA SWIFT/BIC: USAAUS33
• If correspondent bank required: The Bank of New York Mellon, SWIFT: IRVTUS3NXXX, 225 Liberty Street, New York, NY 10286
• USAA beneficiary account: 8900624744
• Your full name and address
• Your USAA account number

Always verify international wire instructions with USAA at 1-800-531-8722 before initiating any transfer.

USAA vs BECU: How Their Routing Numbers Compare

Both USAA and BECU (routing number 325081403) are single-number nationwide institutions — unlike Chase or Wells Fargo which vary by state. Both serve specific member groups: USAA serves current and former U.S. military members and their families; BECU serves Boeing employees and Washington State residents (among others).

If you have accounts at both, keep them straight: USAA is 314074269, BECU is 325081403.

FAQ: USAA Routing Number

What is USAA's routing number?

USAA's routing number is 314074269. This single number is used for all states and all domestic transaction types including ACH, direct deposit, checks, and wire transfers.

Is USAA's routing number the same for all states?

Yes. USAA uses one routing number nationwide: 314074269. Unlike major banks with state-specific routing numbers, USAA's single number covers all U.S. states and accounts opened anywhere.

What is USAA's SWIFT code?

USAA's SWIFT/BIC code is USAAUS33. Use this for incoming international wire transfers along with your USAA account number. Some transfers may route through Bank of New York Mellon (SWIFT: IRVTUS3NXXX) as a correspondent bank.

What is USAA's routing transit number (RTN)?

USAA's routing transit number (RTN) is 314074269 — the same as the ABA routing number. RTN and routing number refer to the same 9-digit code.

How do I set up direct deposit for military pay with USAA?

Use routing number 314074269 and your USAA account number. For myPay, log in and update your direct deposit under "Financial Allotments." For other employers, provide the routing and account number to your HR or payroll department.

Last verified: March 2026. Always confirm with USAA at 1-800-531-8722 for high-value wire transfers. Also see: BECU routing number · Complete routing number guide.