US Bank's ABA routing number depends on which state your account is in
US Bank does not have a single routing number for all customers. The number you need for a wire transfer is determined by the state where your account was opened or where your branch is located. If you opened your account in California, your routing number is different from someone who opened theirs in Texas or New York.
The most reliable way to find your specific routing number is to check your checks — the nine-digit number printed at the bottom left of each check is your ABA routing number. If you do not have checks handy, you can log into your US Bank online account, call US Bank customer service at 1-800-872-2657, or visit a US Bank branch in person.
US Bank also publishes a routing number lookup tool on its website where you can enter your state and account type to find the correct number. This matters because using the wrong routing number can delay your wire transfer or cause it to be rejected entirely.
Key Takeaways
- Your US Bank ABA routing number is printed on the bottom left of your checks and is specific to the state where your account is located.
- You can find your routing number by logging into your US Bank online account, calling 1-800-872-2657, or visiting a branch.
- US Bank's website has a routing number lookup tool where you enter your state to find the correct nine-digit number.
- Using an incorrect routing number can cause your wire transfer to be rejected or delayed, so verify the number before sending money.
How to locate your routing number online
Log into your US Bank account through the official website or mobile app. Once you are signed in, look for account details or account information — the exact label varies depending on which platform you are using. Your routing number should appear alongside your account number.
If you cannot find it in your account details, US Bank's routing number lookup tool is available on their website. You will need to select your state from a dropdown menu, and the tool will display the routing number associated with accounts opened in that state. This is faster than calling if you already know which state your account is tied to.
What to do if you cannot find your routing number
Call US Bank's customer service line at 1-800-872-2657. A representative can confirm your routing number over the phone and answer any questions about whether it is correct for your specific wire transfer. Have your account number ready when you call, as they may ask for it to verify your identity.
You can also visit a US Bank branch in person. Bring a photo ID and your account information, and a teller can provide your routing number immediately. This option works well if you prefer to handle banking in person or if you want to ask questions about the wire transfer process at the same time.
Why the routing number matters for wire transfers
The ABA routing number tells the sending bank which US Bank location to send your money to. If the number is wrong, the wire may go to a different bank entirely, get rejected, or be delayed while the system tries to correct it. Once a wire is sent, it is difficult to stop or redirect, so entering the correct routing number the first time is critical.
The routing number is different from your account number. You need both pieces of information to complete a wire transfer — the routing number identifies the bank and branch, while your account number identifies you within that bank. Double-check both before you authorize any wire.
Common mistakes when using a US Bank routing number
The most common error is using a routing number from a different state. If you moved and your account was originally opened in one state but you now live in another, your routing number is still tied to the original state. Do not assume your routing number changed when you moved — verify it through your checks or online account.
Another mistake is confusing the routing number with the SWIFT code. If you are sending money internationally, you will need a SWIFT code instead of an ABA routing number. SWIFT codes are used for transfers outside the United States, while ABA routing numbers are for domestic transfers only. US Bank can provide both if you need them.
Verifying your routing number before sending a wire
Before you initiate a wire transfer, write down both your routing number and account number and read them back against your checks or your online account. A single digit wrong in either number can send your money to the wrong place. Many banks recommend calling the recipient to confirm they have given you the correct routing and account number before you send anything.
If you are sending a large amount or if this is your first wire transfer with this recipient, consider sending a small test transfer first. This confirms that both the routing number and account number are correct without risking a large sum. Once the test transfer clears, you can send the full amount with confidence.
Frequently Asked Questions
Does US Bank have the same routing number for all states?
No. US Bank routing numbers vary by state. Your routing number is determined by the state where your account was opened. You can find your specific routing number on your checks, in your online account, or by using US Bank's routing number lookup tool on their website.
Can I use the same routing number for multiple wire transfers?
Yes, as long as you are sending money from the same US Bank account. Your routing number does not change from transfer to transfer. However, always verify it is correct before each wire, especially if you are sending to a new recipient.
What if I have multiple US Bank accounts in different states?
Each account will have its own routing number based on the state where that account is located. When you send a wire, make sure you are using the routing number that corresponds to the account you are sending from, not from a different account you may also hold.
Is the routing number on my check the same as my ABA routing number?
Yes. The nine-digit number printed at the bottom left of your check is your ABA routing number. This is the number you need for wire transfers and other electronic transactions.
What should I do if a wire transfer is rejected because of an incorrect routing number?
Contact US Bank immediately at 1-800-872-2657 to report the rejected transfer. They can help you track what happened to the funds and may be able to retrieve them. For future transfers, verify your routing number through your checks or online account before sending any money.