The main ways to transfer money into US Bank
You can move money into a US Bank account through wire transfers, ACH transfers, mobile deposit, in-person deposit, or transfers from another bank. The method you choose depends on how fast you need the money to arrive, whether you have the other account details, and what kind of account you're depositing to.
Wire transfers are the fastest but cost money and require the sender's bank routing number and your account number. ACH transfers are free but take three to five business days. Mobile deposit and in-person deposit work only if you have a physical check. Transfers between your own accounts at different banks happen through your US Bank online portal or mobile app.
Key Takeaways
- Wire transfers arrive the same day or next business day but typically cost $15 to $30 and require your US Bank routing number (031000503 for most accounts) and your account number.
- ACH transfers are free and work from any bank, but take three to five business days and require the sender to initiate from their own bank's website or app.
- Mobile deposit lets you photograph a check through the US Bank app, and the funds usually appear within one business day.
- In-person deposit at a US Bank branch or ATM is when ready for ATM deposits, though some ATMs have daily limits.
- Transfers between your own accounts at different banks happen through US Bank's online portal under "Transfer Money" and typically complete within one business day.
Wire transfers: fastest but with a fee
A wire transfer moves money directly from another bank to your US Bank account on the same day or the next business day. The sender initiates the transfer from their own bank and provides your US Bank routing number (031000503) and your account number. US Bank does not charge you to receive a wire, but the sending bank typically charges $15 to $30.
Wire transfers are irreversible once sent, so the sender needs to confirm your account details are correct before they initiate. If the routing number or account number is wrong, the money may go to the wrong account or be returned to the sender after several days. Ask the sender to verify both numbers with you before they send.
To receive a wire, you do not need to do anything in advance. The money will arrive in your account automatically once the sending bank processes it. You can check your US Bank account online or through the mobile app to see when the funds appear.
ACH transfers: free and straightforward
An ACH transfer is a free electronic transfer from another bank to your US Bank account. The sender logs into their own bank's website or app, selects "Send Money" or "Transfer," and enters your US Bank routing number (031000503) and account number. The transfer takes three to five business days to complete.
ACH transfers are safer than wires because they can be reversed within a certain window if there is an error. However, they are slower, so use them when you do not need the money urgently. The sender's bank may limit how much can be transferred in a single ACH transaction—often $10,000 to $25,000 per day, depending on their policies.
You do not need to take any action to receive an ACH transfer. Once the sender initiates it from their bank, the money will arrive automatically. You can see pending transfers in your US Bank account under "Recent Transactions" before they fully clear.
Mobile deposit: photograph a check from your phone
If someone sends you a check, you can deposit it without visiting a branch by using the US Bank mobile app. Open the app, go to "Deposit a Check," and photograph the front and back of the check. The app will read the check amount and routing information automatically.
Mobile deposits usually appear in your account within one business day. US Bank may place a hold on the funds for one to two business days depending on the check amount and your account history. Once the hold clears, you can withdraw the money.
There are limits on mobile deposit. Most accounts can deposit up to $2,500 per check and $5,000 per day, though these limits vary by account type. If you need to deposit a larger check, you can visit a branch or ATM in person.
In-person deposit at a branch or ATM
You can deposit cash or checks at any US Bank branch during business hours or at a US Bank ATM 24/7. Cash deposits at an ATM are available when ready. Check deposits at an ATM may take one business day to clear, depending on the time of day you deposit.
At a branch, a teller can deposit cash or checks and answer questions about holds or limits. Branch hours vary by location, so check the US Bank website or call ahead to confirm when your nearest branch is open.
ATM deposits have daily limits that vary by account type, typically $5,000 to $10,000 per day for cash. If you need to deposit more, split the deposit across multiple days or visit a branch during business hours.
Transfers between your own US Bank and other bank accounts
If you have accounts at both US Bank and another bank, you can transfer money between them through US Bank's online portal. Log in to your US Bank account, select "Transfer Money," and choose the external account you want to transfer from. The transfer typically takes one business day.
Before you can transfer from an external account, you must add that account to your US Bank profile. US Bank will verify the account by depositing two small amounts (usually under $1 each) and asking you to confirm the amounts. This verification process takes one to two business days.
You can also set up recurring transfers if you move money regularly. This is useful if you receive direct deposit at another bank and want to move a portion to US Bank automatically each payday.
What information you need to receive money
| Transfer Type | Information You Need to Provide | Time to Arrive |
|---|---|---|
| Wire transfer | US Bank routing number (031000503) and your account number | Same day or next business day |
| ACH transfer | US Bank routing number (031000503) and your account number | Three to five business days |
| Mobile deposit | Check only; photograph through app | One business day |
| In-person deposit | Cash or check; bring to branch or ATM | when ready (cash) or one business day (check) |
| Transfer from another account you own | Account number and routing number of the other bank | One business day |
Frequently Asked Questions
What is the US Bank routing number?
The US Bank routing number for most accounts is 031000503. Some accounts or regions may use a different routing number, so check your checks or log into your account to confirm. You can also call US Bank customer service at 1-800-872-2657 to verify.
Can I receive a wire transfer to a savings account?
Yes, you can receive wire transfers to both checking and savings accounts. Provide the sender with your routing number and the account number of whichever account you want the money to go to. Make sure you tell them which type of account it is so they do not send it to the wrong one.
Why is my mobile deposit taking longer than one business day?
US Bank may place a hold on check deposits if the check amount is large, if it is from an unfamiliar bank, or if your account is new. Holds typically last one to two business days. You can see the hold status in your account under "Pending Transactions." Contact US Bank if the hold lasts longer than two business days.
Can I deposit a check at a US Bank ATM if I do not have a US Bank card?
No, you need a US Bank debit card or ATM card to use a US Bank ATM. If you do not have a card yet, visit a branch in person to deposit your check, or use mobile deposit through the app if you have set up online banking.
What happens if I give the sender the wrong account number?
If the account number is wrong, the money may go to another US Bank customer's account or be returned to the sender. Wire transfers cannot be reversed, so contact US Bank when ready if you realize a mistake. For ACH transfers, you may be able to stop the transfer if you contact US Bank before it processes, which is usually within one business day.