U.S. Bank Routing Number (2026) — ACH, Wire & Direct Deposit
Use the routing number printed on your own check — the first group of nine digits in the bottom-left corner. It is the only number guaranteed to be right for your account. U.S. Bank has more than one, and no list on any website can tell which one is yours. Your U.S. Bank app and online banking show it too, and 1-800-872-2657 will confirm it. A wrong routing number sends your money to the wrong institution.
We are deliberately not printing a single "U.S. Bank routing number" for direct deposit. The Federal Reserve registers 105 numbers to U.S. Bank, N.A. and only one of them belongs to your account. The number on the bottom-left of your own check is the only authoritative answer.
Why U.S. Bank has the routing numbers it does
U.S. Bank runs one of the widest state footprints in American retail banking — the product of the Firstar/Star Banc lineage plus the 2022 acquisition of MUFG Union Bank, which brought a large California and Washington customer base across. Unlike Chase, U.S. Bank has pushed hard toward a single consolidated ACH number for new accounts, so its many Federal Reserve records skew toward legacy and wire entries rather than numbers actively issued to new customers today.
U.S. Bank routing numbers registered with the Federal Reserve
Each row below is a live record from the Federal Reserve's Fedwire participant directory. The location column is the Fedwire telegraphic location the Federal Reserve holds for that number — the Fed's own processing site for it. For a bank this size it is not the state whose accounts use the number, and it should not be read as one. Nothing on this page can tell you which of these is attached to your account: use the nine digits printed on the bottom-left of your own check.
| Routing number | Registered to | Fedwire location | Fed district | Networks |
|---|---|---|---|---|
| 121201652 | US BANK, NA | Birmingham, AL | San Francisco | Wire ACH |
| 082000549 | US BANK NA | Little Rock, AR | St. Louis | Wire ACH |
| 122105155 | US BANK NA | Phoenix, AZ | San Francisco | Wire ACH |
| 121139685 | US BANK, NA | Morgan Hill, CA | San Francisco | Wire ACH |
| 121140713 | US BANK, NA | Salinas, CA | San Francisco | Wire ACH |
| 121140742 | US BANK, NA | Hollister, CA | San Francisco | Wire ACH |
| 121181798 | US BANK, NA | San Rafael, CA | San Francisco | Wire ACH |
| 122038442 | US BANK, NA | Los Angeles, CA | San Francisco | Wire ACH |
| 122043518 | US BANK, NA | Los Angeles, CA | San Francisco | Wire ACH |
| 122212611 | US BK SMON | Santa Monica, CA | San Francisco | Wire |
| 122220593 | US BANK, NA | Goleta, CA | San Francisco | Wire ACH |
| 122226937 | US BK LA MIRADA | La Mirada, CA | San Francisco | Wire |
| 122228812 | US BK NA SIGNL HIL | Long Beach, CA | San Francisco | Wire |
| 122235821 | US BANK NA | San Diego, CA | San Francisco | Wire ACH |
| 122238077 | US BANK, NA | San Luis Obispo, CA | San Francisco | Wire ACH |
| 122238682 | US BANK | San Diego, CA | San Francisco | Wire ACH |
| 122240502 | US BANK SO CALIF | San Diego, CA | San Francisco | Wire |
| 322270356 | US BANK | Newport Beach, CA | San Francisco | Wire ACH |
| 322270495 | US BANK | Rancho Cucamonga, CA | San Francisco | Wire ACH |
| 322284892 | US BANK | Los Angeles, CA | San Francisco | Wire ACH |
| 102000021 | US BANK NA | Denver, CO | Kansas City | Wire ACH |
| 102101645 | US BANK NA | Aspen, CO | Kansas City | Wire ACH |
| 102103119 | U.S. BANK, N.A. | Vail, CO | Kansas City | Wire |
| 071000521 | US BANK NA | Chicago, IL | Chicago | Wire ACH |
| 071001041 | US BANK | Chicago, IL | Chicago | Wire ACH |
| 071004200 | US BANK | Chicago, IL | Chicago | Wire ACH |
| 081202759 | US BANK NA | Mount Vernon, IL | St. Louis | Wire ACH |
| 074900783 | US BANK NA | Richmond, IN | Chicago | Wire ACH |
| 101000187 | US BANK NA | Overland Park, KS | Kansas City | Wire ACH |
| 042100175 | US BANK NA | Covington, KY | Cleveland | Wire ACH |
| 083900363 | US BANK NA | Paducah, KY | St. Louis | Wire ACH |
| 091000022 | US BANK NA | Saint Paul, MN | Minneapolis | Wire ACH |
| 091015224 | US BANK NA | Saint Paul, MN | Minneapolis | Wire ACH |
| 091215927 | US BANK NA | East Grand Forks, MN | Minneapolis | Wire ACH |
| 104000029 | US BANK NA | Minneapolis, MN | Kansas City | Wire ACH |
| 273970514 | US BANK NA | Minneapolis, MN | Chicago | Wire ACH |
| 307070115 | US BANK NA | Saint Paul, MN | Kansas City | Wire ACH |
| 081000210 | US BANK NA | Saint Louis, MO | St. Louis | Wire ACH |
| 101200453 | US BANK NA | Saint Louis, MO | Kansas City | Wire ACH |
| 092900383 | US BANK NA | Billings, MT | Minneapolis | Wire ACH |
| 092902983 | US BANK NA | Great Falls, MT | Minneapolis | Wire |
| 091300023 | US BANK NA | Fargo, ND | Minneapolis | Wire ACH |
| 107001452 | U.S. BANK NATIONAL ASSOCIATION | Taos, NM | Kansas City | Wire ACH |
| 107002312 | U.S. BANK NATIONAL ASSOCIATION | Taos, NM | Kansas City | Wire ACH |
| 312270379 | U.S. BANK NATIONAL ASSOCIATION | Clovis, NM | Dallas | Wire ACH |
| 122401781 | US BANK | Las Vegas, NV | San Francisco | Wire ACH |
| 026005050 | US BANK, NA | New York, NY | New York | Wire ACH |
| 042000013 | U.S. BANK NATIONAL ASSOCIATION | Cincinnati, OH | Cleveland | Wire ACH |
| 071174431 | US BANK, NA | Cincinnati, OH | Chicago | Wire ACH |
| 071920559 | US BANK | Cincinnati, OH | Chicago | Wire ACH |
| 075000022 | US BANK NA | Cincinnati, OH | Chicago | Wire ACH |
| 086500346 | U.S. BANK, N.A. | Cincinnati, OH | St. Louis | Wire ACH |
| 122000496 | US BANK, NA | Cincinnati, OH | San Francisco | Wire ACH |
| 121122676 | US BANK NA | Portland, OR | San Francisco | Wire ACH |
| 121201694 | US BANK NA | Portland, OR | San Francisco | Wire ACH |
| 123000220 | US BANK NA | Portland, OR | San Francisco | Wire ACH |
| 123000848 | US BANK NA | Portland, OR | San Francisco | Wire ACH |
| 123103729 | US BANK NA | Portland, OR | San Francisco | Wire ACH |
| 123206516 | US BANK NA | Canby, OR | San Francisco | Wire ACH |
| 091408501 | US BANK NA | Sioux Falls, SD | Minneapolis | Wire ACH |
| 091450164 | US BK NA SD | Sioux Falls, SD | Minneapolis | Wire |
| 064000059 | U.S. BANK NATIONAL ASSOCIATION | Nashville, TN | Atlanta | Wire ACH |
| 064101576 | US BANK NA TN | Knoxville, TN | Atlanta | Wire |
| 064103707 | US BANK, NA | Cookeville, TN | Atlanta | Wire ACH |
| 111026041 | US BANK, NA | Dallas, TX | Dallas | Wire ACH |
| 124302150 | US BANK NA | Saint George, UT | San Francisco | Wire ACH |
| 125000105 | US BANK NA | Seattle, WA | San Francisco | Wire ACH |
| 125107626 | US BANK, NA | Everett, WA | San Francisco | Wire ACH |
| 071904779 | US BANK NA | Milwaukee, WI | Chicago | Wire ACH |
| 073000545 | US BANK NA | Milwaukee, WI | Chicago | Wire ACH |
| 075000103 | US BANK NA | Milwaukee, WI | Chicago | Wire ACH |
| 075900465 | US BANK NA | Milwaukee, WI | Chicago | Wire ACH |
| 091800293 | US BANK NA | La Crosse, WI | Minneapolis | Wire ACH |
The Federal Reserve additionally registers 32 ACH-only routing numbers to U.S. Bank, N.A. that are not eligible for Fedwire. These are almost entirely legacy numbers inherited from acquired institutions and are still valid for receiving direct deposit, but cannot be used to receive a wire. We do not list them individually because the only one that matters is the one printed on your own check.
A routing number sends money to an institution, not to a person. If it is wrong the payment goes somewhere else. Before you transact, confirm the number against the bottom-left of your own check, your U.S. Bank app, or U.S. Bank's official page.
Which number do you actually need?
| You are doing this | Use | Arrives |
|---|---|---|
| Setting up direct deposit or paying a bill | The ACH number on your check | 1–3 business days |
| Receiving a domestic wire | 091000022 | Same business day |
| Receiving money from outside the US | USBKUS44 (SWIFT/BIC) | 1–5 business days |
US accounts do not have IBANs. If an overseas sender's form demands one, that form was built for Europe — give them the SWIFT/BIC plus your routing and account number instead. See SWIFT vs routing number.
U.S. Bank branches in Buzdy's US directory
We track 400 U.S. Bank locations in the United States. If you need to confirm a routing number in person or open an account, these are the busiest cities in our data:
U.S. Bank cards and accounts on Buzdy
Products we list for U.S. Bank in the United States.
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U.S. Bank routing number — questions
What is the U.S. Bank routing number?
There is no single one. The Federal Reserve registers 105 routing numbers to U.S. Bank, N.A., mostly inherited from banks it has acquired. For direct deposit use the nine digits on the bottom-left of your own check. For an incoming domestic wire, U.S. Bank publishes 091000022.
Which of the 105 U.S. Bank routing numbers is mine?
We cannot tell you from a list, and neither can anyone else. U.S. Bank, N.A. has 105 routing numbers registered with the Federal Reserve, most of them inherited from banks it acquired, and which one is attached to your account depends on the institution and branch that opened it. The nine digits in the bottom-left corner of your own check are the answer; your U.S. Bank app and online banking show the same thing, and 1-800-872-2657 will confirm it. Do not pick one off a list because it matches your state.
Is the U.S. Bank wire routing number the same as the ACH number?
Not always. ACH routing numbers move direct deposits and bill payments over the automated clearing house, usually settling in one to three business days. Wire routing numbers move same-day funds over Fedwire. Of the 105 numbers the Federal Reserve registers to U.S. Bank, N.A., 73 are Fedwire-eligible and 32 are ACH-only. Using an ACH-only number for an incoming wire is one of the most common reasons transfers are returned.
What is the U.S. Bank SWIFT code?
U.S. Bank publishes the SWIFT/BIC code USBKUS44 for international transfers. SWIFT codes are not held in the Federal Reserve routing directory, so we cannot verify this against the Fed the way we verify routing numbers — confirm it with the bank before an overseas sender uses it.
How do I find my own U.S. Bank routing number?
Read the first group of nine digits in the bottom-left corner of a check, open your account details in the U.S. Bank app or online banking, or call 1-800-872-2657. Any of these three is specific to your account; a general list is not.
How we checked this page
Every routing number above was read directly from the Federal Reserve Banks' E-Payments Routing Directory — the FedACH and Fedwire participant directories, which are the systems of record for US routing numbers. We query both directories by institution name, keep only records the Federal Reserve returns under U.S. Bank, N.A., and validate every number against the ABA check-digit formula. Numbers that fall out of the directory are removed rather than carried forward. We do not publish a number we could not confirm.
SWIFT/BIC codes are not part of the Federal Reserve directory and are shown as published by the bank itself, labelled as such. Last checked against the Federal Reserve directory on 29 July 2026.
Related guides
Buzdy is not affiliated with U.S. Bank, N.A.. Routing numbers are reproduced for reference from public Federal Reserve records; always confirm with your bank before moving money.