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

If you're sending money to or from a U.S. Bank account, you'll need the bank's routing number — a nine-digit code that tells the financial system where the money is going. For U.S. Bank, that number is 091000022 for the vast majority of domestic wire transfers and ACH payments.

However, U.S. Bank operates multiple routing numbers depending on the type of transaction, the state where your account is held, and whether the transfer is domestic or international. Using the wrong routing number can delay your wire transfer or send the money to the wrong place entirely, so it's worth confirming you have the correct one before you send.

Key Takeaways

  • U.S. Bank's primary routing number for domestic wires is 091000022, but the correct number may vary based on your account type and state.
  • You can find your account's specific routing number on the bottom left of your checks, in your online banking portal, or by calling U.S. Bank directly.
  • Different routing numbers exist for ACH transfers, wire transfers, and international payments, so confirm which type of transaction you're making.
  • If you use the wrong routing number, the wire may be rejected or delayed; U.S. Bank customer service can help you verify before you send.

Where to find your U.S. Bank routing number

The easiest place to locate your routing number is on a check from your U.S. Bank account. Look at the bottom left corner — the first nine digits printed there are your routing number. This is the number tied to your specific account and branch.

If you don't have a check handy, log into your U.S. Bank online banking portal or mobile app. Most banks display the routing number in the account details section, often labeled "Routing Number" or "ABA Number." You can also call U.S. Bank customer service at 1-800-872-2657 and provide your account number; they'll confirm the correct routing number for your account in seconds.

Why routing numbers vary by account type and location

U.S. Bank operates in multiple states and offers different account products — checking, savings, money market, and business accounts. Each combination may have its own routing number. A checking account in Minnesota might use a different routing number than a business account in California, even though both are U.S. Bank accounts.

The routing number also depends on the type of transaction. Wire transfers, ACH transfers (like direct deposit or bill pay), and international transfers may route through different processing centers. Using the wrong routing number for the wrong transaction type can cause the payment to bounce back or arrive late. When in doubt, call U.S. Bank or check your account details online rather than guessing.

How to verify the routing number before sending a wire

Before you initiate a wire transfer, take 60 seconds to confirm the routing number with U.S. Bank directly. Call 1-800-872-2657, have your account number ready, and ask the representative to confirm the routing number for the specific type of transfer you're about to make. They can also tell you if there are any holds on your account or other reasons the wire might be delayed.

If you're sending money to someone else's U.S. Bank account, ask them to provide their routing number from their check or online banking — don't assume it's the same as yours. Once you have it, U.S. Bank's wire transfer system will usually let you review all the details (recipient name, account number, routing number, and amount) before you confirm. Take that moment to read it carefully; wires are difficult to reverse once they leave your account.

What happens if you use the wrong routing number

If you enter an incorrect routing number, one of three things typically happens. The wire may be rejected outright by the receiving bank, and the money returns to your U.S. Bank account within a few business days. The wire may be delayed while the banking system tries to figure out where it should go. Or, in rare cases, the money may be sent to a different U.S. Bank account or a different bank entirely.

If you realize you've sent a wire to the wrong routing number, contact U.S. Bank immediately. The sooner you report it, the better the chance they can intercept the transfer before it settles. After the wire has been processed and delivered, recovery becomes much harder and may require the cooperation of the receiving bank and account holder.

Routing numbers for different U.S. Bank transaction types

U.S. Bank maintains separate routing numbers for different purposes. The primary domestic wire transfer routing number is 091000022. However, if you're setting up direct deposit, paying bills through ACH, or making an international wire, the routing number may be different. Some U.S. Bank accounts also have state-specific routing numbers.

When you're setting up a new payment method — whether it's direct deposit from your employer, a bill payment, or a wire to another bank — U.S. Bank's system will usually prompt you to enter the routing number and will validate it before you proceed. If you're unsure which routing number to use, the safest approach is to ask U.S. Bank which number applies to your specific transaction type.

International wire transfers from U.S. Bank

If you're sending money outside the United States, you'll need additional information beyond the routing number. International wires require a SWIFT code (also called a BIC code) to identify U.S. Bank to foreign banks. U.S. Bank's SWIFT code is USBKUS44IMT for most international transfers.

You may also need the recipient's IBAN (International Bank Account Number) if they're in Europe or another region that uses that system. U.S. Bank can provide all of this information when you initiate an international wire. International wires typically take longer to process than domestic ones — usually three to five business days — and may carry higher fees.

Frequently Asked Questions

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

091000022 is U.S. Bank's primary routing number for domestic wires, but your specific account may have a different routing number depending on your account type, state, and the type of transaction. Check your checks or online banking to confirm the number tied to your account.

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

Not always. While many U.S. Bank accounts use the same routing number for both ACH and wire transfers, some accounts have different routing numbers for each transaction type. Confirm with U.S. Bank which routing number applies to the specific type of transfer you're making.

What's the difference between a routing number and an account number?

A routing number identifies the bank and branch; an account number identifies your specific account within that bank. Both are required to send or receive money. The routing number appears first on your checks, followed by your account number.

How long does a wire transfer take if I use the correct routing number?

Domestic U.S. Bank wire transfers typically arrive the same business day if sent before the bank's cutoff time (usually 2 p.m. or 3 p.m. local time). Wires sent after cutoff or on weekends may not process until the next business day.

What should I do if my wire was sent to the wrong routing number?

Contact U.S. Bank immediately at 1-800-872-2657. The sooner you report it, the better the chance they can stop the transfer before it settles. After settlement, recovery depends on the cooperation of the receiving bank and account holder.