USAA Bank Routing Number

Frequently Asked Questions About USAA Routing Numbers

Why does USAA have only one routing number?

USAA's single routing number reflects its unique mission and structure as a bank exclusively serving military members and their families. Unlike traditional banks that grew through mergers and regional expansion, USAA was founded in 1922 by Army officers and has always operated as a unified national institution. The bank recognized that military members frequently relocate due to permanent change of station (PCS) orders, deployments, and assignments. Using one routing number nationwide means members never need to update their direct deposit information or automatic payments when they move to a new duty station. This simplified system reduces administrative burden for military families who already face significant challenges during relocations.

Does my routing number change if I move to a different state?

No, your USAA routing number never changes regardless of where you move. Whether you're stationed in California, deployed overseas, or retire to Florida, you continue using routing number 314074269 for all domestic transactions. This is one of USAA's key advantages for military members compared to traditional banks, where routing numbers are typically tied to the state where you opened your account. Military families can maintain banking continuity throughout their service careers without worrying about routing number updates during PCS moves.

What's the difference between USAA's ACH and wire routing numbers?

USAA uses the same routing number (314074269) for both ACH transfers and domestic wire transfers. This further simplifies banking for military members. However, for international wire transfers, USAA operates differently because it doesn't have its own international banking infrastructure. Instead, USAA partners with The Bank of New York Mellon to process international wires. When receiving international wire transfers, the sender must use Bank of New York Mellon's SWIFT code (IRVTUS3NXXX) along with specific instructions to credit your USAA account as the final recipient. This "for further credit" arrangement ensures international wires reach your USAA account even though USAA doesn't directly participate in the SWIFT network.

How do I receive international wire transfers to my USAA account?

Receiving international wires to USAA requires providing your sender with Bank of New York Mellon's information, since USAA uses them as an intermediary bank. The sender needs SWIFT code IRVTUS3NXXX, Bank of New York Mellon's address (225 Liberty Street, New York, NY 10286), and USAA's account number at Bank of New York Mellon (8900624744). They must also include your final credit information: your USAA account number, full name, and address. This two-step process allows USAA to receive international wires without maintaining its own SWIFT infrastructure, which would be costly and unnecessary given that most military members use USAA primarily for domestic banking.

Can I use USAA's routing number for tax refunds?

Yes, use routing number 314074269 when setting up direct deposit for federal and state tax refunds with the IRS or state tax agencies. USAA's simplified routing structure makes it easy to ensure tax refunds are deposited correctly. When providing your banking information to the IRS or state tax authority, use routing number 314074269 and your complete USAA checking or savings account number. Military members should be especially careful to use their correct account number, as USAA account numbers can be long and include leading zeros. Double-check all digits to avoid delays or misdirected refunds.