U.S. Bank Routing Numbers

Frequently Asked Questions About U.S. Bank Routing Numbers

Why does U.S. Bank have so many different routing numbers?

U.S. Bank has grown significantly through mergers and acquisitions over its 160-year history, absorbing regional banks across the western and midwestern United States. Each acquired bank originally had its own routing number, and U.S. Bank maintained these separate numbers to avoid disrupting existing customer accounts and payment systems. This means your routing number is tied to the state where you first opened your account, not where you currently live. The system ensures continuity for direct deposits, automatic payments, and other transactions that rely on routing numbers.

Can I use any U.S. Bank routing number for my account?

No, you must use the routing number specific to the state where you originally opened your account. Using the wrong routing number can cause payment delays, rejections, or funds being sent to the wrong location. Even if you've moved to a different state, continue using your original routing number. You can find your correct routing number on your checks (first nine digits on the bottom left), through online banking, or by calling U.S. Bank customer service at 1-800-872-2657.

What's the difference between ACH and wire routing numbers at U.S. Bank?

For most domestic transactions, U.S. Bank uses the same routing number for both ACH transfers and wire transfers based on your account's state. However, for incoming international wire transfers, U.S. Bank uses a single routing number (071004200) regardless of which state your account is in. When receiving domestic wires or setting up ACH transfers, use your state-specific routing number. When receiving international wires, provide routing number 071004200 along with U.S. Bank's SWIFT code (USBKUS44IMT).

How do I know which routing number to use if I've moved to a different state?

If you've relocated to a different state after opening your U.S. Bank account, continue using the routing number from the state where you originally opened the account. Routing numbers don't change when you move. The easiest way to confirm your routing number is to look at your checks or log into online banking. If you've opened a new account in your new state, that account will use the routing number for your new state. Each account maintains its original routing number based on where it was opened.

What are U.S. Bank's wire transfer fees and processing times?

U.S. Bank charges $30 for outgoing domestic wire transfers and $50 for outgoing international wire transfers (personal accounts). Incoming domestic wires are $15, and incoming international wires are $25. Business accounts have slightly different fee structures ($0 incoming domestic, $15 incoming international, varies for outgoing). Domestic wire transfers typically process within the same business day if sent before the 3:30 PM Central Time cutoff. International wire transfers typically take 1-5 business days depending on the destination country and intermediary banks involved.