Updated April 11, 2024

US Bank Routing Number

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To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as an address that lets other banks know where to find your money.

You need your routing number for many tasks, including:

  • ACH payments
  • Setting up direct deposit
  • Receiving benefits from the government, including tax refunds
  • Transferring money between accounts at different banks or investment firms
  • Automatic bill payment
  • Wire transfers

Banks typically have more than one routing number if they have branches in more than one state. US Bank has branches throughout the United States and uses different routing numbers for different states and regions.

Keep reading to find the right US Bank routing number for your transactions.

US Bank savings accounts use the same routing numbers as checking accounts. However, some regions use different routing numbers for electronic transfers, like ACH payments, and paper transfers, like ordering checks (more on that below).

Do US Bank Routing Numbers Ever Change?

Your US Bank routing number is associated with the location of the bank where you opened your account. Even if you bank at another branch, what matters is the location where you opened your account.

Here are the US Bank routing numbers by state:[1]

StateRouting Number
California - Northern121122676
California - Southern122235821
Colorado - Aspen102101645
Colorado - all other areas102000021
Illinois - Northern071904779
Illinois - Southern081202759
Iowa - Council Bluffs104000029
Iowa - all other areas073000545
Kentucky - Northern042100175
Kentucky - Western083900363
Minnesota - East Grand Forks091215927
Minnesota - Moorhead091300023
Minnesota - all other areas091000022
Missouri - Western101200453
Nebraska (+ Council Bluffs, IA)104000029
New Mexico107002312
North Carolina064103707
North Dakota (+ Moorhead, MN)091300023
Ohio - Cleveland041202582
Ohio - all other areas042000013
South Dakota091408501
All other states091000022

If you don't see your area or state listed or are unsure where you opened your account, read on for other ways to find your routing number.

Breaking Down Your Routing Number
The first four digits pertain to the Federal Reserve. The next four are unique to your bank, basically the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent fraud.

Routing Numbers for Domestic/International Wire Transfers

Wire transfers are a faster way to send money than an ACH transfer. From your US Bank account, you can wire money to other bank accounts, and other accounts can wire funds to you.

Receiving Domestic/International Wire Transfers
Use the routing number associated with your account's US Bank branch location from the list above.

When receiving a US Bank wire transfer, use this address:[2]
U.S. Bank
800 Nicollet Mall
Minneapolis, MN 55402

Sending Domestic Wire Transfers
Visit a branch location and bring a valid ID. You'll need your routing and account numbers, plus:

  • Recipient's name as it appears on the account
  • Location of the recipient's bank (including city and state)
  • Account number
  • Bank routing number

US Bank Wire Transfer Fees[3]
  • Incoming (Domestic): $20.00
  • Outgoing (Domestic): $30.00
  • Incoming (International): $25.00
  • Outgoing (International): $50.00

Sending International Wire Transfers
Visit a branch location and bring a valid ID. Use the US Bank SWIFT code USBKUS44IMT.

SWIFT codes are the international equivalents of the U.S. routing numbers. They direct the money to the correct bank for international transfers.

You'll also need:

  • Recipient's name as it appears on the account
  • Recipient bank name, address, and country
  • Recipient account number (you may need a country-specific account structure, e.g., a CLABE for Mexico or an IBAN for international bank accounts)
  • Recipient bank's SWIFT code
  • Currency of recipient's account (foreign currency or U.S. dollars)
  • Purpose of wire

Which US Bank Routing Number Should You Use?

For any domestic money transfer activity:
Use the routing number for the branch where you opened your account.

For domestic wire transfers:
Use the routing number for the branch where you opened your account.

For international wire transfers:
Use the US Bank SWIFT code USBKUS44IMT.

Other Ways to Find Your US Bank Routing Number

Here are several other ways to find your US Bank routing number:

Use a Check
For checking accounts, you can find the routing number on the bottom of checks corresponding to your checking account. It's the 9 digits located at the bottom left of the check.

Go Online
Log onto the US Bank website. Then select the applicable account. In the top box, you'll find your account number and routing number.

Call Customer Service
Call US Bank at 800-872-2657. After you provide a few specific details to identify yourself, a representative will be able to confirm your account's routing number.

Is there a routing number on your Debit or Credit Card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Other Ways to Transfer Money with US Bank

Nowadays, you can transfer money without having to leave home. Here are other ways to transfer money with US Bank.

To send money with Zelle, all you need is an email address or a phone number. There's no need for the recipient's account number, and you can send money domestically within minutes. Just click the built-in Zelle icon in the app, and then send money.

Online Transfers
Another option you have is transferring directly from your US Bank account. You can transfer internally, to your accounts, other US Bank accounts, or externally to other banks.

  • Online Banking: Log in and go to Pay Bills & Transfer > Transfer Money.
  • App: Log in and go to Transfers > Transfer money.

Wire Transfers
If you need to send larger amounts of money domestically, you can utilize US Bank's send wire transfer feature on the app or through online banking. [4]

  • Online Banking: Log in and go to Transfer, deposit & Pay > External transfers & wires > Send wire.
  • App: Log in and go to Pay bills & transfer > External transfers, wires, & ACH > Wire money.

In most cases, bank-to-bank wire transfers are delivered within 24 hours.

Bottom Line

You'll likely need your US Bank routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.


  1. ^ US Bank. Routing Numbers, Retrieved 03/26/2024
  2. ^ US Bank. How do I receive a wire transfer?, Retrieved 03/26/2024
  3. ^ US Bank. How much does a wire transfer cost?, Retrieved 03/26/2024
  4. ^ US Bank. How do I send a wire transfer?, Retrieved 03/26/2024
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