The USAA routing number is 314074269. If you’re a USAA member, this is the number you’ll use for setting up direct deposits, making ACH transfers, or wiring funds. In this article, we’ll cover everything you need to know about this number, how to find it, and how to use it safely in your financial transactions.
What Is a Routing Number?
A routing number is a 9-digit code used by financial institutions in the United States to identify themselves. It ensures that money goes to the correct bank during transfers, payments, or deposits. You’ll often need this number when:
- Setting up a direct deposit
- Making online payments
- Transferring money between banks
- Sending or receiving wire transfers
What Is the USAA Routing Number Used For?
The USAA Federal Savings Bank uses 314074269 as its official routing number for all customer accounts. This number applies to:
- Checking accounts
- Savings accounts
- Domestic wire transfers
- ACH (Automated Clearing House) transactions
- Direct deposits from employers or the government
This is a universal routing number for all USAA members, regardless of location.
How to Find Your USAA Routing Number
If you’re unsure where to locate your routing number, here are a few reliable ways to find it:
1. USAA Website
- Log into your account at www.usaa.com.
- Navigate to your checking or savings account.
- Go to Account Details to view your routing number and account number.
2. USAA Mobile App
- Open the USAA app and sign in.
- Tap the account you want to view.
- Select “Account & Routing Numbers” from the menu.
3. On a Physical Check
If you have a check from your USAA account:
- The first 9-digit number on the bottom left is the routing number.
- The second number is your account number.
- The third is the check number.
When You Need Your Routing Number
You will need your routing number in these situations:
- Setting up direct deposit with an employer or agency
- Paying bills automatically through a bank or payment app
- Making ACH transfers to or from another financial institution
- Sending or receiving wire transfers
- Linking your bank account with third-party services like PayPal, Venmo, or investment apps
USAA Routing Number vs. Account Number
It’s important to know the difference between the two:
| Item | Routing Number | Account Number |
|---|---|---|
| Identifies | The bank itself | Your specific account |
| Number format | 9 digits | Usually 10–12 digits |
| Same for everyone | Yes (314074269) | No (unique to you) |
Always double-check both numbers when filling out banking forms or linking accounts.
Wire Transfers and International Payments
For domestic wire transfers, use 314074269.
If you are sending or receiving an international wire, you’ll need additional information such as:
- USAA’s SWIFT/BIC code
- The bank address
- Your account number
Contact USAA directly at 1-800-531-8722 to get accurate wire transfer details before proceeding.
Security Tips When Using Your Routing Number
- Use only official and trusted websites or mobile apps when entering your banking information.
- Do not share your routing and account numbers over unsecured emails or public platforms.
- Monitor your bank account for unauthorized transactions regularly.
- If you suspect fraud, contact USAA support immediately.
Need Help?
USAA offers customer support 24/7:
- Phone: 1-800-531-8722
- Website: www.usaa.com
Final Thoughts
Understanding and using your USAA routing number (314074269) is essential for smooth financial transactions. Whether you’re setting up direct deposit, paying bills, or transferring funds, having the correct routing number ensures your money gets where it needs to go securely and efficiently.
Always verify details before submitting any financial form, and don’t hesitate to reach out to USAA if you need assistance.