U.S. Bank's ABA routing number is 091000022 for most domestic wire transfers

U.S. Bank uses the routing number 091000022 for wire transfers sent within the United States. This nine-digit code tells the Federal Reserve and other banks where to send your money. However, the routing number can vary depending on which U.S. Bank branch holds your account and the type of wire transfer you are sending, so you should confirm the correct number before you initiate a transfer.

The number 091000022 works for most U.S. Bank customers sending domestic wires, but some branches and account types may have different routing numbers. International wire transfers use a different code called a SWIFT code, which is USBKUS44IMT for U.S. Bank. If you are unsure which number applies to your situation, calling U.S. Bank directly or checking your account documents is the fastest way to confirm.

Key Takeaways

  • U.S. Bank's standard domestic wire routing number is 091000022, but confirm it matches your specific branch before sending money.
  • International wire transfers require the SWIFT code USBKUS44IMT instead of the ABA routing number.
  • Your account statement, online banking portal, or a call to U.S. Bank customer service will show the correct routing number for your branch.
  • Routing numbers are tied to the physical branch location where your account is held, not your home address.

Where to find your U.S. Bank routing number

The easiest place to find your routing number is on the bottom left of any check from your U.S. Bank account. The first nine digits printed there are your routing number. If you do not have checks available, log into your U.S. Bank online banking account and look for account details or account information — most banks display the routing number there.

You can also call U.S. Bank customer service at 1-800-872-2657 and ask for the routing number associated with your specific account. Have your account number ready when you call. U.S. Bank branches can also provide this information in person if you visit a location near you.

Why routing numbers vary by branch

A routing number identifies the specific bank branch where your account is held, not U.S. Bank as a whole. If you opened your account at a U.S. Bank branch in Denver, your routing number will be different from someone who opened theirs in Chicago. When you send a wire transfer, the routing number directs the money to the correct branch first, and then to your account within that branch.

If you have moved or transferred your account to a different branch, your routing number may have changed. This is another reason to confirm the number on your account documents or in your online banking portal rather than relying on a number you used years ago.

The difference between ABA routing numbers and SWIFT codes

An ABA routing number is used only for wire transfers within the United States. The ABA (American Bankers Association) created this system, and every U.S. bank has one. A SWIFT code is used for international wire transfers and includes additional information about the country and bank. U.S. Bank's SWIFT code is USBKUS44IMT.

If you are sending money to someone outside the United States, you will need the SWIFT code, not the ABA routing number. The person receiving the wire will usually tell you which code to use. If they ask for a routing number and they are outside the U.S., they may be confused — ask them to clarify whether they need the SWIFT code instead.

What information you need before sending a wire

Before you initiate a wire transfer from U.S. Bank, gather the routing number for your own account (to confirm where the money is leaving from) and the routing number or SWIFT code for the receiving bank. You will also need the recipient's account number, full name, and the amount you want to send. Some wire transfers also require the recipient's address.

U.S. Bank will ask you to confirm all of this information before processing the wire. Double-check every detail, especially the account number and routing number, because wire transfers cannot be reversed once they are sent. If you make a mistake, the money may go to the wrong account or the wrong bank, and recovering it is difficult and time-consuming.

Wire transfer fees at U.S. Bank

U.S. Bank charges a fee for outgoing domestic wire transfers. The fee varies depending on whether you send the wire online, by phone, or in person at a branch, and whether you are a basic customer or have a premium account. As of the most recent information available, domestic wire fees typically range from $15 to $30, but you should confirm the current fee with U.S. Bank before you send.

Incoming wire transfers to your U.S. Bank account are usually free. International wire transfers have higher fees than domestic ones. You can ask U.S. Bank about the exact cost before you authorize the transfer, and the bank will tell you whether the fee will be deducted from your account or charged separately.

Frequently Asked Questions

Is 091000022 the routing number for all U.S. Bank accounts?

No. While 091000022 is the most common U.S. Bank routing number, some branches and account types use different numbers. Always check your account documents or online banking portal to confirm the routing number for your specific branch before sending a wire.

Can I use the same routing number for ACH transfers and wire transfers?

Yes. The routing number works for both ACH transfers (which take several days) and wire transfers (which are faster). However, confirm the number is correct for your specific branch, since routing numbers are branch-specific, not transfer-type specific.

What happens if I use the wrong routing number?

If you use an incorrect routing number, the wire may be delayed, rejected, or sent to the wrong bank. U.S. Bank will not process the wire if the routing number does not match a valid bank. If the wire is sent to the wrong place, contact U.S. Bank immediately — recovery is possible but not may provide.

Do I need a SWIFT code if I am sending money to another U.S. Bank account?

No. Use the ABA routing number (091000022 or your branch-specific number) for transfers between U.S. Bank accounts or to other U.S. banks. SWIFT codes are only for international transfers outside the United States.