USAA Routing Number

314074269
ACH & Wire

Routing Number 314074269 Details

Routing Number 314074269
Bank USAA
State / Region National
Type ACH & Wire

Is 314074269 Valid?

Yes — 314074269 is a valid ABA routing number assigned to USAA for National. It is used for both ACH and wire transfers.

What Does 314074269 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 314074269 breaks down:

DigitsValueMeaning
1–43140Federal Reserve routing symbol (Philadelphia district)
5–87426USAA institution identifier
99Check digit (validates the number)

The first two digits (31) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Philadelphia. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 314074269

This routing number works for both ACH and wire transfers at USAA:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your USAA Routing Number

If you need to verify that 314074269 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to USAA and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call USAA to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your USAA account in National, 314074269 is likely the correct number.

Frequently Asked Questions

Yes, 314074269 is the ACH & Wire routing number for USAA in National.

Routing number 314074269 belongs to USAA. It is used for National.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 314074269 to set up direct deposit for your USAA account in National. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 314074269 identifies the bank and branch (USAA, National), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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