U.S. Bank routing number

Read it off your own account, not a list. U.S. Bank publishes four places it appears, all from the same record.

1. 1

   Bottom-left of a check

   Nine digits in the bottom left corner, then your account number, then the check number.

2. 2

   Ask the mobile app

   Open the U.S. Bank Mobile App, select Smart Assistant and say “What’s the routing number for my checking account?”

3. 3

   Online banking

   Pick the account from your dashboard; the top box shows the routing number beside the last four digits of the account number.

4. 4

   Account tab, personal or business

   In the Details tile, select Show next to the last four digits — the routing number sits beneath them.

U.S. Bank’s wire FAQ states that “some larger banks may have multiple routing numbers for banks in different states or regions.” This directory indexes 45 under U.S. Bank NA, all in the table on this page.

What the directory cannot do is tell you which of the 45 is yours. All 45 carry the same servicing address — EP-MN-WN1A, St. Paul, MN 55107 — the address U.S. Bank files with the Federal Reserve for every one, not the branch that opened your account. A page mapping a number to a state is inferring.

Filed as “US BANK NA”

45 — the set on this page

Other spellings in the Fed file

20 more, four records

Contact number on file

800-937-6310

U.S. Bank draws the line in one sentence: “ABA numbers are used for paper or check transfers. ACH numbers are used for electronic transfers.” Either way it is domestic only, “used only for domestic transfers within the United States.”

Timing follows the rail. Same-day domestic wires go out only on business days, 7:30 a.m. to 4:30 p.m. CT, and cannot be cancelled once submitted; a future-dated one can be changed until 11:59 p.m. CT the day before. On the ACH side the Federal Reserve excludes transactions above $1,000,000 from same-day processing.

Direct deposit is where most people actually need the number. U.S. Bank asks for the account type — checking or savings — plus the account number, the routing number and your Social Security number, and warns a change can take one to two pay periods, varying by employer.

• The app and online banking can find your payment provider and push the change, verified in real time — no form changes hands.
• If your provider is not listed, download a prefilled PDF from your login, or complete a blank authorisation form.
• For federal payments the DIY flow misses, U.S. Bank points to godirect.gov. Later edits go through your employer, not the bank.

U.S. Bank has already published the Consumer Pricing Information disclosure effective 10 August 2026. The fees below come from that schedule; confirm the effective schedule before sending.

The schedule also addresses exchange-rate cost: U.S. Bank says foreign funds are converted “at a retail exchange rate established by U.S. Bank” and that the rate “will include our profit, fees, costs and charges.” Confirm the applicable rate before authorizing a transfer.

Routing numbers are always nine digits, and this page checks the ABA 3-7-1 checksum. That only detects some transcription errors; a checksum-valid number can still belong to the wrong institution, so verify the destination independently.

1. 01Re-read the nine digits against the app, not a printed list — leading zeros are what spreadsheets drop.
2. 02Check the name: U.S. Bank asks senders for your full name exactly as it appears on the account.
3. 03A same-day wire already submitted cannot be cancelled — U.S. Bank says the funds leave immediately and cannot be returned. Call 800-USBANKS (872-2657).
4. 04If the money came from outside the United States, check whether the sender used a routing number at all — it will not route. Use the SWIFT code.