How do I send a wire transfer?

Send a domestic wire when it’s convenient using digital banking. It may take a few minutes to enter the information. Be sure to give yourself plenty of time to complete the transaction before the cut off time.

For most same-day wire transfers, the cut off time is 4:30 p.m. CT. This applies to incoming and outgoing domestic wire transfers.

  • Same-day wires can be sent starting at 7:30 a.m. CT, except weekends and federal holidays.
  • If you schedule it for a future date, changes can be made until 11:59 p.m. CT, the day before it's sent.
  • Federal tax payments have an earlier cut-off time of 2:30 p.m. CT.

There’s a fee of $30, which will be deducted from your account in a separate transaction when you complete the wire transfer.

To send a wire transfer using digital banking

  1. Online banking: Select Transfer & pay.
    U.S. Bank Mobile App: From the dashboard, select Transfer, deposit & pay.
  2. Choose External transfers & wires.
  3. Online banking: Select Send a wire.
    Note:U.S. Bank Mobile App: Select Pay bills & transfer, then External transfers, wires & ACH, select Wire money.
  4. Select an account to pay from.
  5. Enter the amount you’d like to send. Optional:
    • Select View all dollar limits to find out how much you can send in one day, or in a week.
    • To send it on a future date, use the calendar to select day you’d like to send it on.
  6. Tell us the purpose of sending the wire transfer.
  7. Optional: Enter any helpful reference information for the receiving bank, such as a loan or invoice number.
  8. Select Continue.
  9. Choose Send to one-time recipient and complete the form to tell us who you’re sending funds to. Then select Continue. You’ll need the recipient’s:
    • First and last name.
    • Street address.
    • City, state and ZIP code.
  10. Provide the recipient’s bank information then select Continue.
    • Routing number.
    • Account number.
  11. Review all the information provided. If anything needs to be changed, select Edit next to it.
  12. Read the Wire Transfer Authorization*. If you agree to this, mark the checkbox and select Submit.

More information

This feature is for domestic wire transfers only. International wire transfers must be completed at a U.S. Bank branch. We encourage you to make an appointment to allow time for questions and processing.

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.

*Wire Transfer Authorization

You acknowledge that U.S. Bank and any other bank involved in a wire transfer may rely on the account number, bank number, or other information you provide. U. S. Bank has no duty to detect any mistake in the information you provide and shall not be liable for any resulting transfer errors or loss of funds in accordance with applicable law. Additional fees may be deducted from the transfer amount by other financial institutions involved in the payment process. You acknowledge the applicable funds transfer is subject to the rules set forth in Your Deposit Account Agreement. All transactions are subject to possible limitations under federal law and regulation, including possible restrictions under the rules issued by the U.S. Treasury’s Office of Foreign Assets Control. A wire transfer is irrevocable once payment has been transmitted to the beneficiary’s bank, in accordance with applicable law. At your request, we may request the beneficiary’s bank return funds previously transferred. However, you acknowledge the beneficiary’s bank is under no obligation to comply with this request. By tapping checking the acknowledgement box and tapping “submit”, you agree to the terms of the Authorization, and represent that you are authorized to initiate this wire transfer.