A routing number is a crucial number that you need when doing different transactions online or via phone. If you are a US Bank account holder, then it’s essential to know your routing number. Here is a list of all your US Bank routing numbers.
A Complete Guide to Your US Bank Routing Number (+ A Complete List!)
Every time you need to send and receive money from other financial institutions such as banks and credit unions, you need a routing number. In this article, we will give you the list of all US Bank routing numbers.
If you want to make an electronic transfer, then you must provide both the account and the routing number. Therefore, if you’re going to make a payment online or by phone, you may be asked for your checking account routing number and your account number.
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There is a difference between a routing number and an account number. So what is this difference between an account number and a routing number? Let’s evaluate.
Account Number vs. Routing Number
When you open an account with any financial institution, you will get routing and an account number. Both of which are vital to you and the bank since they help in the identification of both you the customer and the bank involved.
You will need to have both the account number and the routing number for different transactions such as direct deposit or online pay and order checks.
While the account numbers are specific to each account holder like the way a customer ID or fingerprints are, routing numbers help identify each financial institution with a unique numerical and are unique to each bank. Both are used to indicate where to send funds or the institution to receive the funds in a transaction.
Your routing number is a nine-digit number, but, your bank account number is usually a 10-12 digit numbers that are specific to your account.
The routing number is the first set on the left corner of a check and is usually pink in color while the account number is the next set of numbers after the routing number and is typically green in color. Both are between the character symbols.
See Related: Ways to Cash a Check Online
What is a Routing Number?
Routing Number is otherwise known as Routing Transit number RTN sometimes called ABA American Bankers Association number is a nine-digit number that helps identify financial institutions in the United States.
Usually, it’s the first set of numbers printed at the bottom left side of the negotiable instrument like a check that identifies the bank on which it was drawn.
Besides helping one identify the financial institution in a transaction, it also recognizes the location of the opening of your account. Often, you will be required to provide this number before doing any transaction online.
The number helps facilitate the bundling, sorting, and shipment of paper checks back to the drawer’s account or the account of the check writer. If you’re wondering how to find your US Bank routing number, then you need to read on and find out how.
The routing number helps prove that the financial institution is a federal- or state-chartered institution and that it preserves an account with the Federal Reserve.
Here are Some Everyday Tasks that Require you to Use a Routing Number:
- Direct deposit
- Automatic bill payments and automatic clearinghouse
- Check to process
- Wire transfers
Since there are many banks or credit unions out there and some of them may have similar names, the routing numbers come into play in such scenarios to avoid confusing one with another.
The multinational banks can possess more than routing number while the small financial institutions have just one routing number. This is usually based on the state in which you possess an account or the task it’s being used for. Two banks cannot possess a similar routing number.
Each bank can have up to five ABA RTNs. While some banks may have only one RTN number, some have more because of mergers that occur especially across state lines.
Routing numbers are a prerequisite when reordering checks for payment of consumer bills, tax payments and a direct deposit such as a paycheck. You can only find the routing numbers that are made use of in the international wire transfers online.
Alternatively, you can contact your bank to provide it to you since you cannot use the ones on your check. Routing numbers that are used for money transfers may be different from the routing number on your check.
A routing number is beneficial to people that don’t have access to their checks. Banks staff and the machines also use the routing number instead of bank names to help avoid confusing a bank with a similar name. That way, the checks are routed to the intended or designated bank, and they can never be mistaken or end up in the wrong place.
The routing numbers are usually public, unlike account numbers which are generally private and unique to an individual.
What is an Account Number?
Account numbers work in conjunction with the routing numbers. However, account numbers help identify your account, unlike a routing number that identifies the name of the financial institution.
If you have more than one account number at the same bank, the account numbers will be different, but the routing number is the same in most cases.
An account number is unique to you, while the routing number is for everyone using that bank.
List of All US Bank Routing Numbers
We summarized the US Bank routing numbers by each state in a simple table to make it easy to understand.
You can see the routing number for every state that they operate in. Some states have different routing numbers based on region. For example, for California the routing numbers are as follows:
- Northern California US Bank Routing Number: 121122676
- Southern California US Bank Routing Number: 122235821
Below is a summary table of all US Bank routing numbers.
|California – Northern||121122676|
|California – Southern||122235821|
|Colorado All other areas||102000021|
|Illinois – Northern||071904779|
|Illinois – Southern||081202759|
|Iowa Council Bluffs||104000029|
|Iowa All other areas||073000545|
|Kentucky – Northern||042100175|
|Kentucky – Western||083900363|
|Minnesota East Grand Forks*||091215927|
|Minnesota – Moorhead||091300023|
|Minnesota All other areas||091000022|
|Missouri – Western||101200453|
|Nebraska (+ Council Bluffs, IA)||104000029|
|North Dakota (+ Moorhead, MN)||091300023|
|Ohio All other areas||042000013|
|All other states||091000022|
When it comes to Aspen/East Grand Forks, a business owner with a cash management account can use the statewide bank routing numbers. US Bank is one of the largest banks in America. They have a number of different operating routing numbers.
So, if you were wondering how to find your US Bank routing number, you could get the routing number in a particular region from this US Bank routing numbers list.
From the list, it’s evident that some regions could have more than one routing numbers and so to be sure of the specific bank you’re referring to, use of the routing number comes in handy.
If you have an account in Minnesota, then your Minnesota US Bank routing number is either the one for the Moorhead, East Grand Folk or All other areas.
Other Lists of Routing Numbers:
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How to Find Your Routing Number
If you’re wondering how to find your US Bank routing number, here are four different ways to find your routing number.
1. Using Online Banking
You can see your routing number when you log in to your online banking site of the financial institution you belong to if you navigate to your account details.
Some of the largest financial institutions webpages list their routing numbers online for easy access including Chase Bank, Citi, Bank of America, Wells Fargo, PNC Bank, US Bank, Capital One, and HSBC. You can also find the routing number in the account information section.
You can always contact the support team of the bank if you are unsure of the routing number to use. Alternatively, you can call them using the phone number that is listed on your debit card.
You can also check your states’ routing number on the frequently asked questions (FAQ) section on your website. Since many banks have different routing numbers for different states, you’ll need to be sure of the state in which you opened the account.
See Related: How to Raise Your Credit Score 200 Points
2. From a Mobile App
Some institutions offer mobile apps that can help you find the routing number. You can use these apps to locate the number conveniently.
3. At the Bottom of a Check or a Negotiable Instrument
When you look at the bottom of your check, you’ll find three groups of numbers surrounded by character symbols. The first set of numbers which are part of the (MICR), magnetic ink character recognition at the left corner mostly pink in color is the routing number.
Be sure that the task that you want to do can use this routing number.
The second set of numbers just next to the routing number is the account number, the two sets differ in color, and the digits of the account number could be longer going up to 12 digits.
If you were not sure how to find your US Bank account number, now you have an idea.
Then the last set of numbers which is the shortest set of numbers typically 3 to 4 digits are the check numbers. They help you easily track the check slip that you are writing. You can also find this number at the top right of the check.
4. From the Bank Statement
Also, you can see your account number on your bank statements. When you want to determine your routing number, you can use the third and fourth digits of your account number.
How Do Routing Numbers Work?
Here is how routing numbers work. Each financial institution has a unique 9-digit routing number. Besides helping in uniquely identifying the paying bank, the routing number also makes it easy to do check processing. Introduced in the 1910s, routing numbers have now moved everything to the digital space.
They were primarily used in electronic check-processing and the check-cashing process. Physical checks no longer have to be sent back to the drawer or the person writing the check.
The “Check 21” law has also reduced bank fraud, and now it’s not possible to write a check if you don’t have enough money in the account.
A Federal Reserve number was added to each bank’s routing number after the Federal Reserve took on a massive role in payments processing.
This number which is now known as the “Federal Reserve routing symbol,” specifies the type of financial institution as well as the Federal Reserve district in which the account was opened.
See Related: Places that Cash Personal Checks
Conclusion on US Bank Routing Number
Routing numbers are critical to helping in the bank’s or credit union’s identification. You need to know your routing number when sending and receiving money from other financial institutions.
If you have an account in the US Bank, now you know your routing number. I hope this list will be of help to you when you need your routing number.
Does this list of US Bank Routing numbers help you? Let us know in the comments below. I’d love to hear from you.
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