US Bank Routing Number, Account Number, and Swift Code

US Bank Routing Number

Banking has become necessary to our lives in today’s globalized economy. Whether for personal transactions or business purposes, a clear understanding of various banking terms and codes is essential. 

This article aims to provide a comprehensive guide to US bank routing numbers, account numbers, and Swift codes. We’ll explore what they are, how they function, and their significance in facilitating seamless financial transactions.

So, let’s dive in!

What is a US Bank Routing Number?

A US bank routing number, also known as an ABA (American Bankers Association) routing number, is a nine-digit code uniquely identifying a United States financial institution. Think of it as a digital address for your bank. 

Every bank, credit union, or financial institution that conducts transactions within the US has a unique routing number assigned to it. This number is crucial in enabling the smooth transfer of funds between different banks.

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How to Find Your US Bank Routing Number?

Finding your US bank routing number is relatively easy. There are a few ways you can get this vital piece of information:

Checkbook: The most convenient method is to check your personal checks. The routing number is typically printed on the bottom-left corner of the check. It is the first set of numbers before your account number.

Online Banking: The routing number can usually be found in the account details section if you have an online banking account. Log in to your online banking portal and navigate to the account information page to locate it.

Contact the Bank: If you are still looking for the routing number through the above methods, please contact your bank directly. Their customer service representatives will be able to provide you with the necessary information.

US Bank Routing Numbers by States

Here’re the US Bank Routing Numbers sorted by state:

StateUS Bank routing number
US Bank Arizona122105155
US Bank Arkansas082000549
US Bank California, Northern121122676
US Bank California, Southern122235821
US Bank Colorado102000021
US Bank Colorado, Aspen102101645
US Bank Idaho123103729
US Bank Illinois, Northern071904779
US Bank Illinois, Southern081202759
US Bank Indiana074900783
US Bank Iowa073000545
US Bank Iowa, Council Bluffs104000029
US Bank Kansas101000187
US Bank Kentucky, Northern042100175
US Bank Kentucky, Southern083900363
US Bank Minnesota091000022
US Bank Minnesota, East Grand Forks091215927
US Bank Minnesota, Moorhead091300023
US Bank Missouri081000210
US Bank Missouri, Western101200453
US Bank Montana092900383
US Bank Nebraska104000029
US Bank Nevada121201694
US Bank New Mexico107002312
US Bank North Dakota091300023
US Bank Ohio042000013
US Bank Ohio, Cleveland041202582
US Bank Oregon123000220
US Bank South Dakota091408501
US Bank Tennessee064000059
US Bank Utah124302150
US Bank Washington125000105
US Bank Wisconsin075000022
US Bank Wyoming307070115
US Bank in all other states091000022

Decoding US Bank Account Numbers

US bank account numbers are unique identifiers assigned to individual bank accounts. While routing numbers identify the bank, account numbers identify the specific account within that bank. The structure and length of account numbers may vary slightly between different financial institutions, but they typically consist of 8-12 digits.

How to Read a US Bank Account Number?

Understanding the elements of a US bank account number is crucial for ensuring accurate and efficient financial transactions. Let’s break down the digits and their significance:

1. Bank Identifier: The first few digits of the account number represent the bank identifier. They indicate the financial institution where the account is held.

2. Branch Identifier: Following the bank identifier, the following digits represent the branch or location where the account was opened.

3. Account Type and Sequence: The remaining digits specify the account type (e.g., checking, savings) and the sequence number uniquely identifying the individual account.

Exploring US Bank Swift Codes

For International Transactions:

While US bank routing numbers facilitate domestic transfers, Swift codes (also known as BIC codes) are used for international transactions. Swift codes are a combination of letters and numbers that identify a particular bank or financial institution globally.

US Bank SWIFT Code


What is the Purpose of a Swift Code?

Enabling International Transfers:

Swift codes are vital in ensuring secure and efficient international money transfers. When you send money overseas, the Swift code must identify the recipient’s bank and ensure the funds reach the intended destination smoothly. It acts as an international bank identifier.

Locating a US Bank’s Swift Code

Where to Find it?

To find the Swift code for a specific US bank, you have a few options:

1. Bank’s Website: Many banks provide Swift codes on their official websites. Look for the “international wire transfer” or “Swift code” section on their website or contact customer service for assistance.

2. Swift Code Directories: Several online directories allow you to search for Swift codes by bank name, country, or location. These directories provide accurate and up-to-date information.

3. Contact the Bank: If you cannot find the Swift code through the above methods, reaching out to your bank directly is the best course of action. They will provide you with the necessary Swift code information.


In conclusion, understanding US bank routing numbers, account numbers, and Swift codes is essential for hassle-free financial transactions. Routing numbers enable seamless transfers within the United States, while account numbers identify specific bank accounts. 

Swift codes play a crucial role in facilitating secure international transfers. By familiarizing yourself with these codes, you can navigate the banking system with confidence and efficiency.


Q1: What is the purpose of a US bank routing number?

A1: A US bank routing number is used to identify a financial institution and facilitate seamless fund transfers within the United States.

Q2: Can I find my US bank routing number on my check?

A2: Yes, the routing number is typically printed on the bottom-left corner of your personal checks.

Q3: How many digits are in a US bank account number?

A3: US bank account numbers can vary in length but typically consist of 8-12 digits.

Q4: Are Swift codes necessary for domestic transactions within the US?

A4: No, Swift codes are primarily used for international transactions. For domestic transfers, US bank routing numbers are sufficient.

Q5: How can I validate a US bank account number?

A5: Each bank has its own validation methods. Contact your bank directly for information on validating a US bank account number.