US Bank routing numbers depend on which state your account is in and which service you're using
US Bank uses different routing numbers for different regions and transaction types. The routing number you need for a wire transfer is not the same as the one for ACH transfers or check deposits. Your account statement, online banking portal, or a call to US Bank customer service will show you the exact nine-digit number tied to your specific branch and account type.
Wire transfers require the routing number of the receiving bank, not your own bank. If you're sending money out of US Bank, you'll use US Bank's routing number. If you're receiving money into US Bank, the sender will need your US Bank routing number — and it matters which one, because using the wrong number can delay the transfer or send it to the wrong place.
Key Takeaways
- US Bank routing numbers vary by state and transaction type, so check your specific account rather than using a number you find online.
- Your account statement, the US Bank website, or a phone call to customer service will show you the correct routing number in seconds.
- Wire transfers use a different routing number than ACH transfers or check deposits, so confirm which type of transfer you're making.
- If you're receiving a wire transfer, give the sender your US Bank routing number along with your account number and full legal name.
Where to find your US Bank routing number
The fastest way is to log into your US Bank online account or mobile app. The routing number appears in the account details section, usually labeled "Routing Number" or "ABA Number." You can also find it on the bottom left corner of any check you have from that account — it's the first set of nine digits.
If you don't have a check or access to online banking, call US Bank customer service at 1-800-872-2657. Have your account number ready. A representative can confirm your routing number in one call and can also tell you whether you need a different routing number for the type of transfer you're making.
US Bank's website lists routing numbers by state, but these are general numbers. Your specific branch may use a different routing number, which is why checking your account directly is more reliable than searching online.
Wire transfer routing numbers versus other transaction types
A wire transfer routing number is the same nine-digit ABA routing number used for other transfers, but the way it's used is different. For a wire transfer, you provide the routing number along with the receiving bank's name, the recipient's account number, and the recipient's full legal name. The bank uses this information to move money directly between accounts, usually within one business day.
ACH transfers (the slower, cheaper method) also use a routing number, but ACH transfers can take three to five business days. Check deposits use your routing number too, but it's printed on the check itself. If you're wiring money internationally, you may need a SWIFT code instead of or in addition to the routing number — ask your bank which one the receiving bank requires.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the wire transfer may be rejected before it leaves your account, or it may be sent to a different bank. US Bank cannot always retrieve a wire that went to the wrong place, and you may have to contact the receiving bank to ask them to send it back. This process can take weeks.
Before you send a wire transfer, double-check the routing number against your account statement or online banking portal. If you're sending money to someone else's account, ask them to confirm the routing number with their bank. A few seconds of verification can save you the headache of a lost or misdirected transfer.
International wire transfers and SWIFT codes
If you're sending money to a bank outside the United States, you'll need a SWIFT code instead of a routing number. A SWIFT code is an eight or eleven-character code that identifies the receiving bank internationally. US Bank can provide you with its own SWIFT code if someone is sending you money from abroad.
For outgoing international wires, ask the recipient's bank for their SWIFT code, their IBAN (International Bank Account Number) if they're in Europe, and any other codes required by their country. US Bank's customer service can walk you through the process and tell you what information you need to collect before you initiate the transfer.
Fees and timing for US Bank wire transfers
US Bank charges a fee for outgoing domestic wire transfers, usually between $15 and $30 depending on whether you're sending it domestically or internationally. Incoming wire transfers are typically free. The fee is deducted from your account when you send the wire.
Domestic wire transfers sent before the cutoff time (usually 2 or 3 p.m. on business days) arrive the same day or the next business day. Wires sent after the cutoff or on weekends are processed the next business day. International wires take longer — usually three to five business days — because they pass through multiple banks and currency exchanges.
Frequently Asked Questions
Can I find my US Bank routing number online without logging in?
US Bank publishes routing numbers by state on its website, but these are general numbers that may not match your specific branch or account type. Your account statement or a call to customer service will give you the exact number. Using a general number from the website can cause delays or misdirected transfers.
Is the routing number on my check the same as my wire transfer routing number?
Yes, the nine-digit number on the bottom left of your check is your routing number and can be used for wire transfers. However, always verify it against your online account or a recent statement, because routing numbers can change if your branch consolidates or moves.
What if the person sending me money asks for my routing number?
Give them your US Bank routing number, your account number, and your full legal name exactly as it appears on your account. Do not give them your PIN, password, or Social Security number. The routing number and account number are all they need to send you a wire transfer.
Do I need a different routing number for mobile banking or online transfers?
No, the routing number is the same regardless of how you access your account. Whether you use the website, mobile app, or call customer service, your routing number stays the same. The method you use to initiate the transfer doesn't change which routing number applies.
How long does a US Bank wire transfer take?
Domestic wire transfers sent before the cutoff time (usually 2 or 3 p.m. on business days) arrive the same day or next business day. International wires take three to five business days. Wires sent after hours or on weekends are processed the next business day.