US Bank's routing number depends on which state your account is in
US Bank does not have a single routing number for the entire company. Instead, the bank assigns different routing numbers to different regions and account types. The routing number you need depends on where your account was opened and what you are trying to do with it—whether that is setting up direct deposit, sending a wire transfer, or receiving an ACH payment.
The most common US Bank routing number for accounts opened in most states is 091000019. However, this is not universal. If your account was opened in a state where US Bank operates a separate regional division, your routing number may be different. The only way to know for certain is to check your own account or contact US Bank directly.
Your routing number appears on the bottom left of every check you receive from US Bank. If you do not have a check handy, you can find it through your online banking portal, by calling US Bank customer service, or by visiting a branch in person.
Key Takeaways
- US Bank's most common routing number is 091000019, but regional accounts may have different numbers.
- Your routing number is printed on the bottom left corner of your checks, before your account number.
- You can find your specific routing number by logging into your online banking account or calling US Bank customer service.
- Wire transfers, direct deposits, and ACH payments all use the same routing number for your account.
- If you provide the wrong routing number, your payment may be delayed or sent to the wrong bank.
Where to find your routing number in online banking
If you have access to US Bank's online banking portal, your routing number is usually visible on the account details page. Log in to your account, navigate to account information or account settings, and look for a section labeled "Routing Number," "Bank Routing Number," or "Transit Number." Some banks display it alongside your account number and the bank's name.
If you cannot find it in the obvious places, try looking under a "Wire Transfer" or "Direct Deposit" section, since these pages often display routing information for reference. If the portal does not show it clearly, call US Bank or visit a branch—they can confirm your routing number in seconds.
How routing numbers work in wire transfers and ACH payments
A routing number is a nine-digit code that tells the banking system which bank holds your account. When you send money to someone else's account—whether through a wire transfer, ACH transfer, or direct deposit—you provide both the routing number and the account number. The routing number directs the money to US Bank; the account number directs it to your specific account within that bank.
If you provide the wrong routing number, the money may go to a different bank entirely, or the transfer may be rejected. If it goes to the wrong bank, recovery can take days or weeks. For this reason, always double-check the routing number before you confirm a transfer, especially for large amounts or time-sensitive payments.
Regional routing numbers for US Bank accounts
US Bank operates in multiple states and maintains separate routing numbers for some regions. The routing number 091000019 covers most accounts, but accounts opened through US Bank's operations in certain states may use different numbers. For example, some legacy accounts from regional banks that US Bank acquired may still carry older routing numbers.
If you opened your account at a US Bank branch in a specific state and your routing number does not match 091000019, this is normal. Your bank statement or check will show the correct number for your account. Do not assume all US Bank accounts use the same routing number—always verify your own.
What to do if you do not have a check or online access
Call US Bank customer service at the number on the back of your debit card or on the US Bank website. Have your account number ready. A representative can confirm your routing number in one call and can also tell you whether your account uses a regional routing number or the standard one.
You can also visit a US Bank branch in person and ask a teller to write down your routing number. This takes a few minutes and requires only your ID and account information. If you need the routing number urgently, a phone call is usually faster than a branch visit.
Routing numbers for different types of US Bank accounts
The routing number is the same whether you have a checking account, savings account, or money market account at US Bank. The routing number identifies the bank; your account number identifies which account within that bank. You do not need different routing numbers for different account types at the same bank.
However, if you have accounts at multiple banks, each bank has its own routing number. If you are setting up direct deposit or automatic payments and you have accounts at both US Bank and another bank, make sure you are using the correct routing number for the bank where you want the money to go.
Common mistakes when using a routing number
The most common error is confusing the routing number with the account number. The routing number is nine digits and appears first on your check, on the far left. The account number is longer (usually 10 to 12 digits) and appears after the routing number. If you reverse these or mix them up, the transfer will fail or go to the wrong place.
Another mistake is using an old routing number from a check that is years old. If US Bank merged with or acquired another bank, the routing number on very old checks may no longer be valid. Always use the routing number from a recent check or from your current online banking account.
Frequently Asked Questions
Is 091000019 the routing number for all US Bank accounts?
It is the most common US Bank routing number, but not all accounts use it. Regional accounts and accounts opened through acquired banks may have different routing numbers. Check your own check or online account to confirm.
Can I use the same routing number for wire transfers and direct deposits?
Yes. Your routing number works the same way for all types of transfers—wire transfers, ACH payments, direct deposits, and automatic bill payments. The routing number identifies your bank; the account number identifies your specific account.
What happens if I give someone the wrong routing number?
The payment may be rejected, delayed, or sent to a different bank. If money goes to the wrong bank, you will need to contact both banks to trace and recover it, which can take several days. Always verify the routing number before confirming a transfer.
Do I need a different routing number for each of my US Bank accounts?
No. All your accounts at US Bank share the same routing number. The account number is what distinguishes one account from another. You only need one routing number per bank, no matter how many accounts you have there.
Where do I find the routing number if I do not have checks?
Log into your online banking account and look for account details or account information. If that does not work, call US Bank customer service or visit a branch. They can confirm your routing number immediately.