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 where your branch is located and whether you're setting up a wire transfer, ACH payment, or check deposit. Most US Bank customers in a given state share the same routing number, but some branches use different ones.
The fastest way to find your specific routing number is to look at the bottom left corner of any check from your account — the first nine digits are your routing number. If you don't have a check handy, you can call US Bank customer service at 1-800-872-2657, log into your online banking portal, or visit a branch in person with your ID.
Key Takeaways
- Your routing number appears on the bottom left of any check you have from your US Bank account.
- US Bank routing numbers vary by state and account type, so you cannot use a generic number for all transactions.
- Calling 1-800-872-2657 or logging into your online account will show you the correct routing number in seconds.
- Wire transfers, ACH payments, and check deposits may require different routing numbers depending on how the transaction is processed.
- If you provide the wrong routing number, the payment may be delayed or sent to the wrong bank entirely.
Where to find your routing number on a check
The routing number is always printed at the bottom left of a US Bank check, before your account number. It is a nine-digit code that identifies your specific bank location. If you have a checkbook, this is the quickest place to look.
The format looks like this: the routing number comes first, then your account number, then the check number at the far right. All three are printed in magnetic ink so they can be read by sorting machines. If the numbers are faded or hard to read, you can still use them — they're the same whether printed clearly or not.
How to find your routing number online or by phone
Log into your US Bank online account or mobile app and look for account details or account information. Most banks display the routing number alongside your account number in a section labeled "Account Details" or "Routing and Account Information." This takes about 30 seconds and works from any device.
If you prefer to call, US Bank customer service at 1-800-872-2657 can tell you your routing number over the phone. Have your account number or Social Security number ready. A representative can also confirm which routing number to use for the specific type of transaction you're about to make — wire transfer, ACH, or something else.
You can also visit a US Bank branch in person with a photo ID. A teller can write down your routing number and account number for you, and they can answer questions about which number to use for your particular situation.
Routing numbers for different types of transactions
Most US Bank customers use the same routing number for wire transfers, ACH payments (like bill pay), and check deposits. However, some transactions may route through different processing centers depending on how the payment is sent. When you set up a wire transfer or ACH payment through US Bank's system, the bank automatically uses the correct routing number for that transaction type.
If you are sending money to someone outside of US Bank — for example, setting up a direct deposit from your employer or paying a bill at another bank — always use the routing number from your check or your online account details. Do not guess or use a number you find online without confirming it matches your account first.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the payment may be delayed by several days while the sending bank tries to locate the correct destination. In some cases, the money may be sent to a different bank entirely, and you will have to contact both banks to retrieve it. This process can take one to two weeks.
If the wrong routing number belongs to another US Bank branch, the money might still reach your account eventually, but it will be slower than if you had used the correct number. Always double-check the routing number before you submit a wire transfer or set up a recurring payment. The few seconds it takes to verify can save you days of waiting.
US Bank routing numbers by state (common examples)
| State | Common Routing Number | Note |
|---|---|---|
| California | 121000248 | Check your account details to confirm |
| Colorado | 102000076 | Check your account details to confirm |
| Illinois | 081904808 | Check your account details to confirm |
| Minnesota | 091000019 | Check your account details to confirm |
| New York | 021202337 | Check your account details to confirm |
| Texas | 111000025 | Check your account details to confirm |
These are common routing numbers for US Bank in each state, but your specific routing number may differ depending on which branch you opened your account at or where you currently bank. Always verify your routing number using one of the methods above rather than relying on this table. Using a number from this list without confirming it matches your account could result in a failed or delayed transaction.
Frequently Asked Questions
Can I use the same routing number for wire transfers and ACH payments?
In most cases, yes. US Bank typically uses the same routing number for both wire transfers and ACH payments from your account. However, when you initiate either transaction through US Bank's system, the bank automatically routes it correctly. If you are sending money to another bank, always confirm the routing number with your account details first.
What if I don't have a check and can't log into my account?
Call US Bank at 1-800-872-2657 with your account number or Social Security number. A representative can provide your routing number when ready. You can also visit a branch in person with a photo ID and ask a teller to write it down for you.
Is my routing number the same as my account number?
No. Your routing number identifies the bank or branch (nine digits), while your account number identifies your specific account at that bank (usually 10 to 12 digits). Both appear on your check, but they are separate. You need both for most transactions.
Do I need a different routing number if I move to another state?
Not necessarily. If you keep the same US Bank account, your routing number stays the same. However, if you close your account at one branch and open a new one at a branch in a different state, your new account may have a different routing number. Check your new account details to be sure.
What if a company tells me they need a different routing number than what's on my check?
Contact US Bank directly before providing any other number. Some companies may ask for a specific routing number for their processing system, but it should still match the one on your check or in your account details. If it does not match, do not provide it — call US Bank to confirm what the company is asking for.