Your U.S. Bank routing number is a nine-digit code that identifies which U.S. Bank branch holds your account
When you send a wire transfer from U.S. Bank, the routing number tells the banking system exactly where your money is coming from. Without it, the transfer cannot be processed. U.S. Bank uses different routing numbers depending on which state your account is held in, so the number you need depends on your branch location, not on the type of account you have.
The routing number is not the same as your account number. Your account number identifies your specific account within that branch. Together, the routing number and account number tell the receiving bank where to send the money and which account to deposit it into.
Key Takeaways
- U.S. Bank routing numbers are nine digits and vary by the state where your branch is located.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling U.S. Bank customer service.
- The routing number for wire transfers is the same as the one used for ACH transfers and direct deposits.
- If you have accounts at multiple U.S. Bank branches in different states, each branch has its own routing number.
Where to find your routing number on a check
The easiest place to look is the bottom left corner of any check from your U.S. Bank account. You will see three groups of numbers. The first group of nine digits is your routing number. The second group is your account number. The third group is the check number.
If you do not have checks or prefer not to look at them, there are other ways to find this information that take less than a minute.
Finding your routing number online
Log into your U.S. Bank online banking portal or mobile app. Go to the account details or account information section — the exact location varies depending on which device you are using, but it is usually under "Account" or "Settings." Your routing number will be listed there alongside your account number.
U.S. Bank also publishes a routing number lookup tool on its website. You can enter your state and the city where your branch is located, and the tool will return the correct routing number. This is useful if you have moved or if you are not sure which branch your account belongs to.
Calling U.S. Bank customer service
If you cannot find your routing number online or on a check, call U.S. Bank customer service at the number on the back of your debit card or on your account statements. A representative can tell you your routing number over the phone in a few seconds. Have your account number or Social Security number ready so they can verify your identity.
Customer service is available during business hours, and wait times vary depending on how busy the line is. If you are in a hurry to send a wire transfer, the online lookup tool is usually faster.
Routing numbers for different U.S. Bank locations
U.S. Bank operates in multiple states, and each state has its own routing number. If your account is held at a U.S. Bank branch in California, the routing number will be different from an account held at a U.S. Bank branch in Texas. The routing number is tied to the physical location of the branch where you opened your account, not to where you live now.
If you have moved to a different state since opening your account, your routing number does not change unless you formally transfer your account to a new branch. The routing number stays the same as long as your account remains at the original branch.
Using your routing number for wire transfers
When you initiate a wire transfer through U.S. Bank, you will enter your routing number along with your account number. The wire transfer form will ask you to provide the routing number of the bank you are sending money to as well — that is the receiving bank's routing number, which is different from yours. Make sure you have both numbers correct before you submit the transfer, because wire transfers cannot be reversed once they are sent.
The same routing number works for ACH transfers, direct deposits, and other electronic transfers from your U.S. Bank account. You do not need a different number for different types of transfers.
What to do if you cannot find your routing number
If you have looked in all the places above and still cannot locate your routing number, the fastest option is to call U.S. Bank directly. Have your account number ready, and a representative will provide it immediately. You can also visit a U.S. Bank branch in person and ask a teller to write it down for you.
Do not guess or use a routing number you find online without confirming it first. Using the wrong routing number will cause your wire transfer to fail or go to the wrong account, and recovering the money can take weeks.
Frequently Asked Questions
Is the routing number on my check the same for wire transfers?
Yes. The nine-digit number on the bottom left of your check is the routing number used for wire transfers, ACH transfers, and direct deposits. It is the same number for all types of electronic transfers from your U.S. Bank account.
Do I need a different routing number if I have multiple accounts at U.S. Bank?
Only if your accounts are at different branches in different states. If both accounts are at the same branch, they share the same routing number but have different account numbers. If they are at branches in different states, each account has its own routing number.
What happens if I use the wrong routing number for a wire transfer?
The transfer will either fail and be returned to your account, or it will go to a different bank or account. U.S. Bank cannot reverse a wire transfer once it has been sent, so recovering the money requires contacting the receiving bank and asking them to return it. This process can take several weeks.
Can I find my routing number on my debit card?
No. Your debit card does not display your routing number. You can find it on a check, in your online banking portal, by calling customer service, or by using U.S. Bank's routing number lookup tool on their website.