United States · Financial institution
Usaa Federal Savings Bank
USAA Federal Savings Bank is a federally chartered savings bank in the United States. Its home office is designated in Arizona and its headquarters are in San Antonio, Texas. It is a direct, wholly owned subsidiary of USAA Capital Corporation, which is wholly owned by United Services Automobile Association (USAA), a reciprocal inter-insurance exchange founded in 1922. The bank describes itself as a full-service retail bank offering credit cards, consumer loans, residential mortgages and deposit products. It serves military members, veterans and their families, mainly through usaa.com, mobile banking and call centres. In December 2024 the OCC issued a cease-and-desist order that replaced its 2019 and 2022 orders against the bank.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- UFSBUS44XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under UFSBUS44 directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2020-10-31
- Last updated
- 2026-06-24
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% USAA Capital Corporation
Institution type
Savings bank
Trades as USAA Bank
- Standing
- The bank's registered main office moved from San Antonio, Texas to Phoenix, Arizona in 2024. The bank says its headquarters remain in San Antonio. It has operated under an Office of the Comptroller of the Currency (OCC) cease-and-desist order since December 2024. The order limits new products or services and restricts changes to membership eligibility.
- Ownership
- USAA Capital Corporation holds 100% of the bank's common and preferred stock and is itself wholly owned by United Services Automobile Association.
- Direct parent
- USAA Capital Corporation ↗, United States 100%
- Ultimate owner
- United Services Automobile Association, United States
- Head office
- 10750 McDermott Freeway, 78288 San Antonio, United States (registered office: 1 Norterra Drive, Phoenix, AZ 85085, United States (designated home office; legal address in the LEI record))
- Company register
- FDIC cert 32188; FFIEC RSSD ID 619877
Business lines
The bank serves members of the US military community, veterans and their families. According to its June 2026 Pillar 3 disclosure, its loan book is mainly consumer and credit card lending, and all its credit exposure is in the United States.
Online
- Websites & references
- usaa.com ↗
newsroom.usaa360.com ↗ USAA group newsroom
static.usaa.com ↗ document host (Pillar 3 disclosures)
content.usaa.com ↗ document host (wire transfer instructions)
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 13 pages consulted
- static.usaa.com/content/dam/digital/documents/pdf/bank/bk-pillar3-regulatory-capital-disclosures-q2-2026.
- ffiec.gov/npw/Institution/Profile/619877?dt=20151231
- occ.gov/news-issuances/news-releases/2024/nr-occ-2024-137.html
- bankingdive.com/news/occ-usaa-cease-desist-order-deficiencies-risk-management/736064/
- newsroom.usaa360.com/news/usaa-bank-board-appoints-michael-moran-as-bank-president
- usaa.com/about/corporate/executive-leadership/?akredirect=true
- usaa.com/about/corporate/board/?akredirect=true
- content.usaa.com/mcontent/static_assets/Media/bk-wires-receive-international-wire-deposit-account.pdf
- occ.gov/static/cra/craeval/Jan26/707975.pdf
- sanantonioreport.org/usaa-in-person-insurance-services-in-san-antonio/
- visbanking.com/call-report/usaa-federal-savings-bank-reports-619877
- relbanks.com/usa/usaa-bank
- en.wikipedia.org/wiki/USAA
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Michael Moran President, USAA Federal Savings Bank
- Executive
- Juan C. Andrade Director, USAA Federal Savings Bank Board of Directors (President and CEO of USAA)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- Office of the Comptroller of the Currency Prudential supervisorAML supervisor
- United States
- Federal Deposit Insurance Corporation Resolution
- United States
- Consumer Financial Protection Bureau Conduct
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
The bank's board appointed interim president Michael Moran as president with effect from 30 January 2025.
newsroom.usaa360.com ↗ -
Enforcement
The OCC issued a cease-and-desist order covering management, earnings, IT, consumer compliance, internal audit and suspicious activity reporting violations.
occ.gov ↗ -
Merger / acquisition
USAA Savings Bank, a separately chartered Las Vegas institution, merged into USAA Federal Savings Bank on 1 June 2024.
relbanks.com ↗ -
Other
The bank relocated its registered main office from San Antonio, Texas to Phoenix, Arizona on 1 April 2024.
relbanks.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- UFSBUS44XXX
- How the BIC breaks down
- UFSBBank
- USCountry · United States
- 44Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- C5654JQHZUHN0772B561
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- ABA routing number 314074269
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Usaa Capital Corporation · United States5493007XLF4LU3U2W757 ↗
- Ultimate parent
- United Services Automobile Association · United States549300NZVJG538SSYL92 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 1 NORTERRA DRIVE PHOENIX 85085 UNITED STATES OF AMERICA
- Operational address
- 10750 MCDERMOTT FWY SAN ANTONIO,TX SAN ANTONIO,TX 78288 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its USABA clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>UFSBUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>314074269</MmbId>
</ClrSysMmbId>
<LEI>C5654JQHZUHN0772B561</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>UFSBUS44XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>314074269</MmbId>
</ClrSysMmbId>
<LEI>C5654JQHZUHN0772B561</LEI>
<Nm>USAA FEDERAL SAVINGS BANK</Nm>
<PstlAdr>
<Ctry>US</Ctry>
<AdrLine>1 NORTERRA DRIVE PHOENIX 85085</AdrLine>
</PstlAdr>
</FinInstnId>Swift’s two address fields do not agree on a town, so the full record gives the address as address lines only.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
National bank codes
ABA routing number · United States
1 code file of 2026-10-09 · ISO 20022 clearing system code USABA
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 314074269 | UFSBUS44XXX | USAA FEDERAL SAVINGS BANK | PHOENIX, AZ |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Correspondent banking
The bank publishes 1 account at other banks.
- Own offices
- Correspondent banks: it holds accounts there
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
1 account at other banks, in 1 currency, for incoming international wires (intermediary agent), as the bank publishes them: content.usaa.com ↗ dated Jun 2025
| Currency | Correspondent | BIC | Account | Directory check |
|---|---|---|---|---|
| USD | The Bank of New York United States | IRVTUS3NXXX | 8900624744 | Directory name differs THE BANK OF NEW YORK MELLON |
The source is a customer PDF titled 'How to receive an international wire into a deposit account' (form 505419-0625, taken to mean June 2025). It names The Bank of New York as the bank's intermediary for incoming and outgoing international wires and gives USAA Bank's account number there. One row, fully extracted. Foreign-currency wires are converted to USD before they reach the bank. Sister PDFs for consumer loan and home equity line of credit accounts give the same BNY account number with different creditor accounts. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
Claim this profile
Work at Usaa Federal Savings Bank?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- National bank codes—United States (Source: Federal Financial Institutions Examination Council (FFIEC), National Information Center).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo