U.S. Bank N.A.'s routing number for domestic wire transfers is 091000019
U.S. Bank N.A. is the primary banking entity for U.S. Bancorp, one of the largest banks in the country. When you send a domestic wire transfer from a U.S. Bank account, the receiving bank uses the routing number 091000019 to identify where the money should go. This nine-digit code is part of the American Bankers Association (ABA) system that routes funds between financial institutions.
The routing number stays the same whether you're sending money to another U.S. Bank customer or to an account at a different bank. However, the specific branch you use may have its own routing number for certain transactions. If you're wiring money from U.S. Bank, your account statement or the bank's website will show you which routing number applies to your particular account and transfer type.
Key Takeaways
- U.S. Bank N.A.'s primary routing number for domestic wire transfers is 091000019, which works for transfers to any U.S. bank.
- Different U.S. Bank branches may have their own routing numbers, so check your account statement or contact the bank to confirm the correct one for your account.
- The routing number is different from your account number — you need both to complete a wire transfer.
- Wire transfers using the correct routing number typically process within one business day, though some same-day options may be available depending on timing and amount.
Where to find your specific U.S. Bank routing number
The easiest place to locate 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. You can also log into your U.S. Bank online account or mobile app and look for account details or settings — most banks display the routing number alongside your account number.
If you cannot find it online or on a check, call U.S. Bank customer service at 1-800-872-2657. Have your account number ready when you call. The representative can confirm the routing number for your specific account and branch, which matters because some U.S. Bank locations use different routing numbers depending on the type of account or the state where the branch is located.
Why routing numbers matter for wire transfers
A routing number tells the Federal Reserve and other banks exactly where to send your money. Without it, the wire transfer cannot reach the correct institution, and your money may be delayed or sent to the wrong place. The routing number is not secret — it is public information that any bank customer can share — but it must be accurate.
Wire transfers are different from ACH transfers or checks because they move money directly between banks through the Federal Reserve's system. That speed and directness is why routing numbers are critical. If you provide the wrong routing number, the receiving bank may reject the transfer or send it to an unintended recipient, and reversing a wire transfer is difficult and sometimes impossible.
International wire transfers from U.S. Bank
If you are sending money outside the United States, you will need a different code instead of a routing number. U.S. Bank uses a SWIFT code (also called a BIC code) for international transfers. U.S. Bank N.A.'s SWIFT code is USBKUS44IMT. This code identifies U.S. Bank to banks and financial institutions worldwide.
International wires also typically require the recipient's IBAN (International Bank Account Number) or account number in their local format, depending on the country. The process is slower than domestic wires — usually three to five business days — and fees are higher. Contact U.S. Bank before sending an international wire to confirm all the information the receiving bank needs and to understand the fees involved.
What information you need to send a wire transfer
Beyond the routing number, you will need several pieces of information to complete a wire transfer. Have ready the recipient's full name, their account number, the name and routing number of their bank, and the amount you want to send. If the recipient's bank is not in the United States, you will need their SWIFT code and possibly their IBAN instead of a routing number.
You can initiate a wire transfer through U.S. Bank's online banking platform, mobile app, or by calling the bank or visiting a branch in person. Online and app transfers are usually fastest, but some banks limit the amount you can wire online. Large transfers may require a phone call or in-person visit. Fees for domestic wire transfers typically range from $15 to $30, though this varies by account type.
Common mistakes when using routing numbers
The most common error is confusing the routing number with the account number. The routing number identifies the bank; the account number identifies your specific account within that bank. Both appear on your check, but in different positions. Transposing digits in the routing number is another frequent mistake — double-check each digit before you submit the transfer.
Another mistake is using an outdated routing number. While U.S. Bank's primary routing number has remained stable, mergers and branch closures occasionally change which routing number applies to a specific account. If your last wire transfer was years ago, verify the current routing number rather than relying on memory. Sending a wire to the wrong routing number does not always trigger an error message — the transfer may go through but reach the wrong institution.
Frequently Asked Questions
Is 091000019 the routing number for all U.S. Bank accounts?
091000019 is U.S. Bank N.A.'s primary routing number and works for most domestic wire transfers. However, some U.S. Bank branches or account types may use different routing numbers. Check your account statement or contact U.S. Bank to confirm the routing number for your specific account before sending a wire.
Can I use the routing number from my check for a wire transfer?
Yes. The routing number on your check is the correct one to use for wire transfers from that account. It is the nine-digit number at the bottom left of the check, before your account number.
What happens if I use the wrong routing number?
The wire transfer may be rejected by the receiving bank, delayed, or sent to the wrong institution. Reversing a wire transfer is difficult and not always possible. Always verify the routing number before you submit the transfer, and contact U.S. Bank immediately if you realize you used the wrong number.
Do I need a different routing number for transfers within U.S. Bank?
No. Use the same routing number (091000019) whether you are sending money to another U.S. Bank customer or to an account at a different bank. The routing number directs the transfer to U.S. Bank; the account number then directs it to the specific recipient within that bank.
How long does a wire transfer take using the correct routing number?
Domestic wire transfers typically process within one business day, often within a few hours. Same-day wire options may be available depending on the time of day you submit the transfer and the amount involved. International wires take three to five business days and require a SWIFT code instead of a routing number.