Yes, you can transfer money to a US Bank account through several methods
You can move money into a US Bank account from another bank, from a mobile payment app, or by depositing cash or a check in person. The method you choose depends on where the money is coming from, how fast you need it to arrive, and whether you're sending it from inside or outside the United States. Each route has different timing, fees, and requirements.
US Bank accepts transfers through the ACH network (the system that moves money between most US bank accounts), wire transfers, mobile payment apps like Zelle and Venmo, and in-person deposits at any US Bank branch. If you're sending money from outside the US, international wire transfer is the standard method, though it costs more and takes longer than domestic transfers.
Key Takeaways
- ACH transfers from another US bank account take one to three business days and usually cost nothing, but some banks charge a small fee for outgoing transfers.
- Wire transfers arrive the same day or next business day but cost $15 to $50 depending on whether the transfer stays within the US or crosses borders.
- Zelle and other peer-to-peer apps move money in minutes to hours if both people use the same app, but work best for smaller amounts between people you know.
- Cash or check deposits at a US Bank branch are when ready for cash and one to two business days for checks, with no fee.
- International transfers require the recipient's SWIFT code and IBAN or account number, take three to five business days, and typically cost $15 to $45.
ACH transfers from another US bank account
An ACH transfer is the most common way to move money between US bank accounts. ACH stands for Automated Clearing House, and it's the network that handles routine transfers between banks. You initiate the transfer from your own bank's website or app, provide the US Bank account number and routing number, and the money moves automatically.
ACH transfers take one to three business days. The timing depends on when you send it (transfers sent after 5 p.m. or on weekends start the next business day) and whether both banks process on the same schedule. Most transfers arrive within two business days. Your sending bank may charge a fee for outgoing ACH transfers—typically $0 to $3—though many banks offer free outgoing transfers. US Bank does not charge to receive an ACH transfer.
To send an ACH transfer, you'll need the recipient's US Bank account number and the US Bank routing number, which is 091000019. You can find your account number on the bottom left of a check or in your US Bank online banking portal. If you're sending from a different bank, log into that bank's website, select "send money" or "transfer funds," choose "external transfer" or "ACH," and enter the details.
Wire transfers for same-day or next-day delivery
A wire transfer moves money faster than ACH but costs more. Domestic wire transfers (money staying within the US) typically arrive the same business day if sent before the bank's cutoff time, usually 2 or 3 p.m. Transfers sent after that arrive the next business day. International wire transfers take three to five business days.
Wire transfer fees vary by bank. Sending a domestic wire through US Bank costs $15 for online transfers and $25 for transfers done in person at a branch. Receiving a wire at US Bank is free. If you're sending from another bank, that bank will charge its own fee, which typically ranges from $15 to $50 depending on whether it's domestic or international.
To send a wire, you need the recipient's US Bank account number, the US Bank routing number (091000019), and the recipient's full name as it appears on the account. For international wires, you'll also need the SWIFT code (USBKUS44IMT for US Bank) and possibly the IBAN. You can initiate a wire through US Bank's website, mobile app, or by calling 1-800-872-2657. Wires sent through the app or website are faster and cheaper than those done in person.
Zelle and peer-to-peer payment apps
Zelle is a peer-to-peer payment app owned by a consortium of major US banks, including US Bank. If both the sender and recipient have Zelle set up through their banks, money moves in minutes to a few hours, with no fee. Zelle transfers are typically limited to $500 to $2,000 per transaction depending on your bank and account history.
To use Zelle, you need the recipient's email address or phone number registered with their bank's Zelle service. You initiate the transfer through your bank's app or website—US Bank customers access Zelle through the US Bank mobile app or online banking portal. The recipient receives a notification and the money lands in their account within minutes in most cases. Zelle works best for smaller, routine transfers between people you know, because transfers cannot be reversed once sent.
Other peer-to-peer apps like Venmo, PayPal, and Square Cash also allow you to send money to someone with a US Bank account, but the recipient must have an account with that app as well. These apps typically charge no fee for bank-to-bank transfers but may charge a fee if you use a credit card as the source. Transfers through these apps take one to three business days to reach a bank account, though the app may show the money as sent when ready.
Cash and check deposits at a US Bank branch
If you have cash or a check, you can deposit it directly into a US Bank account at any US Bank branch. Cash deposits are available when ready—the money shows in the account right away. Check deposits typically take one to two business days to clear, depending on the check amount and the bank that issued it.
To deposit cash, bring it to any US Bank branch during business hours with the account holder's debit card or ID. You don't need to be the account holder to deposit cash into someone else's account, but you may need to provide the account number. To deposit a check, endorse the back (sign it), write the account number on the back, and hand it to a teller or use the mobile check deposit feature in the US Bank app if you have access to the account.
Mobile check deposit through the US Bank app is available to account holders and typically clears within one to two business days. You photograph the front and back of the check, enter the amount, and submit it through the app. The funds appear as pending when ready and clear within one to two business days.
International transfers to a US Bank account
If you're sending money from outside the United States to a US Bank account, you'll use an international wire transfer. The sender's bank initiates the transfer using the recipient's US Bank account number, the US Bank SWIFT code (USBKUS44IMT), and the recipient's full name. International wires take three to five business days and cost the sending bank $15 to $45, depending on the country and the sending bank's fees.
US Bank does not charge a fee to receive an international wire. However, if the wire comes through a correspondent bank (an intermediary bank that helps route the money), that bank may deduct a fee from the amount received. To avoid this, ask the sender to request that no intermediary fees be deducted, though this is not always possible.
International money transfer services like Wise, OFX, and Remitly offer an alternative to wire transfers for some countries. These services often charge lower fees and offer better exchange rates than banks, but they may take longer (one to three business days) and are not available from all countries. If you're receiving money from abroad regularly, compare the fees and timing of wire transfers against these services.
Timing and fees at a glance
| Transfer Method | Timing | Sending Cost | Receiving Cost |
|---|---|---|---|
| ACH from another US bank | 1–3 business days | $0–$3 (varies by sending bank) | Free |
| Domestic wire transfer | Same day or next business day | $15–$50 (varies by sending bank) | Free |
| International wire transfer | 3–5 business days | $15–$45 (varies by sending bank) | Free |
| Zelle | Minutes to hours | Free | Free |
| Cash deposit in branch | when ready | Free | Free |
| Check deposit in branch | 1–2 business days | Free | Free |
| Mobile check deposit | 1–2 business days | Free | Free |
What information you need to receive a transfer
The person sending money to your US Bank account will need your account number and the US Bank routing number (091000019). You can find your account number on a check, in your online banking portal, or by calling US Bank customer service at 1-800-872-2657. For wire transfers, the sender also needs your full name exactly as it appears on the account.
For international wire transfers, the sender will need your SWIFT code (USBKUS44IMT) and may need your IBAN. US Bank accounts do not have IBANs—that's a European system—so if someone asks for an IBAN, tell them you're in the US and provide your account number and routing number instead. Some international senders' banks may require additional information like your address or phone number, but the account number and routing number are the essentials.
Frequently Asked Questions
How long does it take for money to show up in my US Bank account?
It depends on the transfer method. Cash deposits are when ready. ACH transfers take one to three business days. Domestic wires arrive the same day or next business day if sent before the bank's cutoff. Zelle transfers arrive in minutes to hours. Check deposits take one to two business days to clear.
Can I transfer money from a credit card to a US Bank account?
Not directly—most banks do not allow transfers from credit cards to bank accounts because they treat it as a cash advance. However, you can use a peer-to-peer app like Venmo or PayPal to send money from a credit card, and the recipient can then transfer it to their US Bank account. This adds an extra step and may incur fees.
What happens if I give the wrong account number?
If the account number is wrong, the transfer may be rejected and returned to the sender within one to three business days, or it may go to a different account at US Bank. ACH transfers have some error-checking built in, so many incorrect numbers are caught. Wire transfers have less protection. If you think money went to the wrong account, contact US Bank when ready at 1-800-872-2657.
Is there a limit to how much I can transfer to a US Bank account?
ACH transfers and wire transfers have no set limit, though your sending bank may have daily or monthly limits on outgoing transfers. Zelle limits transfers to $500 to $2,000 per transaction. Cash deposits have no limit, but deposits over $10,000 trigger a federal reporting requirement. Check with your sending bank about any limits on your account.
Can I transfer money to a US Bank account if I don't have a US Bank account myself?
Yes. You can send a wire transfer, ACH transfer, or Zelle payment from your own bank to someone else's US Bank account. You just need their account number, routing number, and name. If you're sending cash or a check, you can deposit it at any US Bank branch into someone else's account.