If you currently have a membership with the United Services Automobile Association, more commonly known as USAA, or you plan to do business with someone who banks at USAA Federal Savings Bank, you’ll need to locate the bank’s routing number.
Unlike bigger banks that have several routing numbers, there is only one USAA Federal Savings Bank routing number. USAA provides banking services to its members, which include active and retired members of the U.S. military and their families.
USAA Routing Number
USAA makes it easy to know your routing number, as it’s the same for every state. Here’s USAA’s routing number:
|USAA Routing Number|
What Is a Routing Number?
Routing numbers have several names, including ABA numbers or routing transit numbers. A routing number is a special nine-digit code that is assigned to a financial institution.
USAA has just one routing number. Other banks and credit unions might have multiple branches in several states, which means their banks might have more than one routing number. Each unique number will indicate which bank you’re doing business with.
When you make a request to transfer funds electronically, your bank will use the routing number to know exactly where to send the money.
A routing number is comprised of three parts. The first four digits are the Federal Reserve routing symbol, the next four digits are the ABA institution identifier and the last digit is known as the check digit.
USAA Routing Numbers for International Wire Transfers
USAA customers will use the same routing number for checks, ACH transfers — such as direct deposits — and wire transfers; however, this is not always the case with other banks. Some banks choose to issue one routing number for their paper products — checks, for example — and another routing number for electronic transactions, such as wire transfers.
Another number often required when sending international wire transfers is a SWIFT code. Each SWIFT code is made up of either eight or 11 characters that include a combination of letters and numbers. Always check with the bank or credit union you plan on using to see if they have a SWIFT code for international wire transfers.
USAA does not have a SWIFT code, but other financial institutions do. Because USAA does not have its own SWIFT code, it partners with The Bank of New York Mellon to receive international transfers that require a SWIFT code.
Transfers With No SWIFT Code
For a transfer to a USAA account in a transaction that does not require a SWIFT code, the sender should provide the routing number and account number, as well as the full name and physical address of the recipient. They will need the bank’s address:
USAA Federal Savings Bank10750 McDermott FreewaySan Antonio, TX 78288
Transfers With a SWIFT Code
For a transfer to a USAA account in a transaction that does require a SWIFT code, the sender will need to send the money first to The Bank of New York Mellon, to be credited to USAA Federal Savings Bank. The SWIFT code for The Bank of New York Mellon is IRVTUS3NXXX.
The Bank of New York Mellon’s address is:
The Bank of New York Mellon225 Liberty StNew York, NY 10286
The sender will also need to provide the account number and address for USAA — the account number is 8900624744, not to be confused with the recipient’s bank account number. The address is the same as USAA’s address for transfers without a SWIFT code. Finally, the sender needs to provide the recipient’s account number, full name and physical address.
How To Find Your USAA Routing Number
There are a few ways to find a USAA routing number. USAA has only one routing number, so you can simply reference the chart above.
Alternatively, if you have a checking account, you can locate your routing number quickly by pulling out your checkbook.
Take a look at your check and look for three sets of numbers strung across the bottom. The first set of numbers is your nine-digit routing number, or the number that identifies this check with USAA. The second set is your USAA account number, which identifies exactly which account within USAA the funds should be withdrawn from. Finally, the third set of numbers is the check number.
You can also locate your USAA routing number by logging in to your USAA account online.
It’s critical you know how to locate your routing number to set up direct deposit, automatic payments or other bank transfers. If you have any trouble locating your routing number, you can always call USAA’s customer service line at 800-531-8722 for assistance.
Information is accurate as of March 16, 2023.
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