U.S. Bank's ABA routing number depends on which state your account is in
U.S. Bank does not have a single routing number for all customers. The number you need for a wire transfer depends on the state where your account was opened or where your branch is located. U.S. Bank maintains separate routing numbers for different regions, and using the wrong one can delay your transfer or cause it to fail.
The most common U.S. Bank routing number for wire transfers is 091000019, which covers many states including California, Colorado, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oregon, South Dakota, Texas, Utah, Washington, and Wyoming. However, if your account is in a different state or region, your routing number may be different.
The fastest way to find your specific routing number is to check your account directly rather than relying on a general list. U.S. Bank provides this information in multiple places where you can verify it matches your account location.
Key Takeaways
- U.S. Bank's routing number for wire transfers varies by state, with 091000019 being the most common but not universal.
- 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 customer service.
- Using the wrong routing number can cause your wire transfer to be rejected or delayed, so verify the number matches your account location before sending.
- The routing number for wire transfers is the same as the routing number for ACH transfers and direct deposits at U.S. Bank.
Where to find your U.S. Bank routing number
Your checks are the simplest source. Look at the bottom left corner of any check you have from your U.S. Bank account. The first nine digits printed there are your routing number. This number is tied to your specific branch location, so it will be correct for your account.
If you do not have checks available, log into your U.S. Bank online banking account or mobile app. Go to the account details or account information section, and the routing number will be listed there. U.S. Bank displays this information clearly so you can copy it without error.
You can also call U.S. Bank customer service at 1-800-872-2657 and provide your account number. A representative will confirm your routing number over the phone. This method is useful if you want to verify the number before sending a large wire transfer.
Routing numbers for specific U.S. Bank states
The routing number 091000019 covers the largest number of U.S. Bank locations. However, some states and regions have their own routing numbers. If your account is in one of these states, your routing number may differ:
- New York accounts may use a different routing number than western states.
- Connecticut, Delaware, Florida, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, and Virginia each may have separate routing numbers.
- Some U.S. Bank accounts opened through acquired banks (such as former Firstar or Piper Jaffray accounts) may retain older routing numbers.
Rather than trying to match your state to a list, checking your checks or online account is more reliable. The routing number printed on your checks is always correct for your specific account, regardless of which regional number U.S. Bank assigns to your location.
What happens if you use the wrong routing number
A wire transfer sent with an incorrect routing number may be rejected by the receiving bank before it ever leaves U.S. Bank. The receiving bank's system will not recognize the routing number as valid for U.S. Bank, and the transfer will bounce back to your account within one to three business days.
In some cases, the transfer may be sent to a different bank entirely if the routing number belongs to another financial institution. This is rare but serious — your money would go to the wrong place, and recovering it requires contacting both banks and filing a trace request, which can take weeks.
The safest practice is to verify your routing number from your own account records before initiating any wire transfer. Do not rely on routing numbers you find online or from other sources, because they may be outdated or incorrect for your specific account location.
The difference between routing numbers and account numbers
Your routing number and account number are two separate pieces of information, and both are required for a wire transfer. The routing number identifies U.S. Bank and your specific branch. Your account number identifies your individual account within that branch.
On a check, the routing number is the first nine digits at the bottom left. Your account number follows when ready after the routing number and is typically 10 to 12 digits long. When you send a wire transfer, you must provide both numbers correctly, or the transfer will fail.
Some wire transfer forms ask for a "bank code" or "SWIFT code" in addition to the routing number. U.S. Bank's SWIFT code for international wire transfers is USBKUS44, but for domestic wire transfers within the United States, you only need the routing number and account number.
Wire transfers versus other transfer methods at U.S. Bank
Wire transfers are faster than ACH transfers but cost more and cannot be reversed once sent. U.S. Bank charges a fee for outgoing wire transfers, typically between $15 and $30 depending on whether the transfer is domestic or international.
ACH transfers (used for direct deposits and bill payments) use the same routing number as wire transfers but take three to five business days instead of one business day. ACH transfers are free or low-cost and can be reversed within a limited time window if an error occurs.
If you are sending money to another U.S. Bank customer, you may be able to use U.S. Bank's internal transfer system, which is faster and free. Check your online banking portal to see if the recipient's account is within U.S. Bank before choosing a wire transfer.
Frequently Asked Questions
Is 091000019 the routing number for all U.S. Bank accounts?
No. While 091000019 is the most common U.S. Bank routing number, some accounts in other states or regions have different routing numbers. Always check your checks or online account to confirm your specific routing number rather than assuming it matches the general number.
Can I use my routing number for both wire transfers and direct deposits?
Yes. The routing number on your checks is the same for wire transfers, ACH transfers, and direct deposits. You do not need to look up a different number for each type of transfer.
What should I do if my wire transfer was rejected?
Contact U.S. Bank customer service to confirm your routing number and account number are correct. The most common reason for rejection is a typo in one of these numbers. Once you verify both numbers, you can resend the transfer.
Do I need a SWIFT code to send a domestic wire transfer from U.S. Bank?
No. SWIFT codes are only for international wire transfers. For transfers within the United States, you only need the routing number and account number. If you are sending money internationally, U.S. Bank's SWIFT code is USBKUS44.
How do I know if my account is in the region that uses 091000019?
Check your checks or your online account. The routing number printed there is the correct one for your account location. If it matches 091000019, that is your routing number. If it is different, use the number from your account records.