US Bank routing numbers depend on which state you bank in and what type of account you have
US Bank does not have a single routing number for all customers. The routing number you need depends on the state where your account was opened and whether you are making an ACH transfer, a wire transfer, or a check deposit. Most US Bank customers in the same state share one routing number, but some branches or account types may use different ones.
The fastest way to find your routing number is to look at the bottom left corner of any check you have from that account — the first nine digits are your routing number. If you do not have a check, you can log into your US Bank online account, call US Bank customer service at 1-800-872-2657, or visit a branch in person.
Key Takeaways
- Your routing number appears on the bottom left of any check from your US Bank account as a nine-digit code.
- US Bank routing numbers vary by state, so you must know which state your account is in to find the correct one.
- You can find your routing number by logging into your online account, calling customer service, or asking at a branch.
- Wire transfers and ACH transfers may require different routing numbers, so confirm which type of transaction you are making before you send money.
How to locate your routing number online
Log into your US Bank account on the website or mobile app. Go to the account details or account information section — the exact name varies depending on which platform you use. Your routing number should appear alongside your account number. If you cannot find it in account details, look for a section labeled "wire transfer information" or "direct deposit setup," as routing numbers are often listed there.
If you are setting up direct deposit for payroll or benefits, US Bank usually displays both your routing number and account number on the same screen. Take a screenshot or write down both numbers before you leave that page, because you will need them together.
Calling US Bank to confirm your routing number
Call US Bank customer service at 1-800-872-2657. Have your account number ready. A representative can tell you your routing number and confirm whether it is correct for the type of transfer you are making. This is the safest option if you are unsure whether you have the right number, because the representative can also tell you if your account requires a different routing number for wire transfers versus ACH transfers.
Customer service is available Monday through Friday during business hours and Saturday mornings. Wait times vary, but calling early in the morning usually means a shorter hold.
Routing numbers for different types of transfers
Most US Bank customers use the same routing number for ACH transfers (like direct deposit or bill pay) and wire transfers. However, some accounts or states may have separate routing numbers for each type. Before you send money, confirm with US Bank which routing number applies to your specific transaction.
If you are sending a wire transfer, the stakes are higher — wire transfers are usually irreversible. Ask US Bank to confirm your routing number in writing or take a screenshot of it from your online account. Do not rely on a routing number someone else gives you, even if they say it is for US Bank.
What to do if you cannot find your routing number
Visit a US Bank branch in person and ask a teller for your routing number. Bring your account card or a form of ID. The teller can write it down for you and confirm it is correct for the type of transfer you need to make. This takes only a few minutes and removes any doubt.
If you do not have a branch nearby, call 1-800-872-2657 and ask a representative to email or mail your routing number to you. Some representatives will provide it over the phone, but asking for it in writing creates a record you can refer to later.
Common mistakes when using your routing number
The most common error is confusing your routing number with your account number. Your routing number is nine digits and identifies the bank or branch. Your account number is longer and identifies your specific account. Both appear on your check, but in different places. The routing number is always on the far left; the account number comes after it.
Another mistake is using an outdated routing number. If you have an old check from a closed account or a different branch, the routing number may no longer be valid. Always use the routing number from your current account or confirm it directly with US Bank before you send money.
Frequently Asked Questions
Is the routing number on my check the same as my account number?
No. The routing number is the first nine digits on the bottom left of your check. Your account number comes after the routing number and is longer. You need both for most transfers, but they serve different purposes — the routing number identifies US Bank, and the account number identifies your specific account.
Do I need a different routing number for wire transfers?
Most US Bank customers use the same routing number for wire transfers and ACH transfers. However, some accounts may require a different routing number for wires. Call US Bank at 1-800-872-2657 or check your online account to confirm which routing number applies to your wire transfer before you send money.
What happens if I use the wrong routing number?
If you use an incorrect routing number, the transfer may be rejected or sent to the wrong bank. The money may take several days to return to your account. If the transfer goes through to the wrong place, contact US Bank immediately and provide them with the transaction details so they can attempt to recover the funds.
Can I find my routing number on my debit card?
No. Your routing number does not appear on your debit card. It appears on checks, in your online account, or by calling customer service. Your debit card shows your card number and expiration date, but not your routing number or account number.
Does US Bank have the same routing number for all states?
No. US Bank routing numbers vary by state. You must use the routing number for the state where your account was opened. If you moved to a different state, your routing number does not change — it stays tied to the original state. Confirm your routing number with US Bank if you are unsure which state applies to your account.