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How to Find Your USAA Routing Number?

how to find your usaa routing number

Are you currently a member of the United Services Automobile Association?

Commonly known as the USAA, this American financial services group boasts around thirteen million members. It offers a wide range of financial services, most of which can be accessed remotely. 

If you are planning to send money to someone, you will be asked to provide the routing number. This information is used to verify the identity of account holders and make sure the money reaches its destination. 

So, let’s find out how to find your USAA routing number.

About the United Services Automobile Association

This financial services group was founded in 1922 and is based in the city of San Antonio in Texas. It was originally established to serve active and retired members of the US military. Members can gain access to impressive interest rates and a range of essential banking services.

about the united services automobile association

United Services Automobile Association banking services include:

  • Car Insurance
  • Property insurance
  • Casualty insurance
  • Life insurance
  • Banking
  • Investment plans
  • Financial planning

Eligibility

Only people in certain groups are eligible to create an account with the United Services Automobile Association. This includes active and retired military members as well as honorably discharged military veterans.

The legal partners of military members are also eligible to create an account. This includes widows, widowers, and spouses. The children of military members are eligible if their parent already has an account with the United Services Automobile Association.

About Routing Numbers

This piece of information is essential if you want to wire money to business or personal contacts. It is also known as a routing transit number, an ABA number, or an RTN, depending on your financial institution. It is a nine-digit code that is assigned to a particular financial institution and is not the same as the account number of the recipient.

About Routing Numbers

The routing transit number, or RTN for short, is used to make a range of online transactions. This includes making transfers to savings accounts, Automated Clearing House or ACH transfers, and making direct deposits. You also need to use the RTN if you are making an electronic fund transfer.

The RTN is used by Federal Reserve Banks to process Fedwire funds transfers. The Automated Clearing House network also needs this code to process electronic fund transfers. This includes all types of bill payments and direct deposits. 

There may be more than one…

Some banks and other financial institutions have more than one RTN assigned to their business. One RTN may be used for paper products such as checks. However, the financial institution may use a completely different RTN for electronic transactions like wire transfers. 

The RTN automatically indicates which financial institution you are doing business with. This makes it easy for the financial institution to know where to send the requested funds. While the RTN consists of nine digits, it is actually set in three parts.

The first four digits of the RTN relate to the Federal Reserve routing symbol. The next group of four digits relate to the ABA institution identifier. Finally, the last digit in the code is referred to as the check digit.

You might need your RTN when you are:

  • Setting up a direct deposit
  • Paying bills automatically from your account
  • Requesting your pension or salary to be deposited into your account
  • Depositing a check into your account
  • Making a wire transfer to someone in the United States
  • Making an ACH payment to someone in the United States

Different Types of Transfers

The information you need to provide will depend on the type of transfer you want to make. While the process is generally fairly straightforward, it is essential to have the required information close to hand. So let’s take a look at the main types of transfers and the required information. 

International Wire Transfers

International Wire Transfers

A SWIFT code is often required by financial institutions when you send international wire transfers. These SWIFT codes usually feature either eight or eleven characters, which are typically letters and numbers. If you are planning to send an international wire transfer, you need to check whether a SWIFT code is needed.

The United Services Automobile Association does not have a SWIFT code assigned to it for international wire transfers. Instead, the financial institution works in partnership with The Bank of New York Mellon. This allows customers to receive international transfers without having to supply the code.

Transfers without a SWIFT code

If a SWIFT code is not required, you will need to provide the RTN and account number of the recipient. You also need to provide the full name and physical address of the recipient. If any of the details are incorrect, the wire transfer will not be processed.

When someone sends you a wire transfer, they will also need the RTN of the United Services Automobile Association. Make sure that the sender knows your full name, account number, and full address. The sender will also need to write out the address of your bank in full.

The official address of the United Services Automobile Association is:

USAA Federal Savings Bank

10750 McDermott Freeway

San Antonio, TX 78288

Transfers with a SWIFT code

If someone is sending you money and a SWIFT code is needed, the process is a bit more complicated. The transfer will need to be made to The Bank of New York Mellon first. The funds will then be credited to your United Services Automobile Association account. The SWIFT code that is assigned to The Bank of New York Mellon is IRVTUS3NXXX.

The official address of the Bank of New York Mellon is:

The Bank of New York Mellon

225 Liberty St

New York, NY 10286

The sender will also need to provide the United Services Automobile Association account number and address. This should not be confused with your personal account number. The official account number of the United Services Automobile Association is 8900624744. The sender will also need to provide your full name, personal account number, and your full address.

How to Find Your USAA Routing Number?

Some financial institutions are so large that they have several nine-digit codes for different purposes. However, the United Services Automobile Association only uses one of these nine-digit codes, which is 8900624744. Everyone who banks with the United Services Automobile Association needs to use this number. No matter which state you live in, this nine-digit code is always the same.

how to find your usaa routing number

Find your checkbook

All you need to do to find the nine-digit code is pull out your checkbook. You will see three sets of numbers running along the bottom of each check. The first set is your nine-digit routing number. This nine-digit code shows that the check was issued by the United Services Automobile Association.

The second set is your personal bank account number. This tells the bank teller which account to draw funds from. The third set is the unique number of that particular check.

Log into your account

If you don’t have easy access to your checkbook, you can log into your online United Services Automobile Association account. You will be able to find the nine-digit code under your account information. If you are making an online transfer, you can copy and paste this nine-digit code.

Call customer service

The United Services Automobile Association is always ready to answer any questions you may have. If you can’t find the nine-digit code, call the customer service line on 800-531-8722. You can also get help setting up a direct deposit, making bank transfers, and completing automatic payments.

Have you also got a TD Bank Account?

Then check out our guide on How To Find Your TD Bank Routing Number if you are having similar problems?

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Or, if you’re thinking of working in finance, how about comparing the Best Paying Jobs in Finance or the Best Jobs For Economics Majors and finding out Is Finance a Good Career Path in 2023?

Final Thoughts

These days, it is easy to transfer money to anyone in virtually any country around the world. The process can usually be completed in a mere matter of minutes, and there is no need to visit a bank. As long as you have access to a phone and an internet connection, you can make transfers quickly and conveniently. 

However, it is essential for banks to confirm your user and account information. The way that the United Services Automobile Association does this is with your routing number. And you will need to make sure you have this information close to hand before attempting to make a digital payment.

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