You can make an internal transfer using digital banking whenever it's convenient for you. Transfer requests submitted on weekends, holidays, or after cutoff time, will be processed on the next business day. 

To transfer money using online banking

1. Select Transfer & pay and choose Transfers.
2. Choose which account to transfer funds from and which account to send them to, then select Continue.
3. Complete the remainder of the form, then select Continue. 
   • Required: Enter the amount to transfer.
   • Optional:
     • Mark the checkbox for Repeat this transfer, if you want it to recur.
     • Change the date, if you want it to be sent on a future date.
     • Future dated transfers (recurring and individual) have the option to add a memo.
4. Review the information. If correct, select Send transfer.

To transfer money using the U.S. Bank Mobile App

1. Select Transfer & pay then choose Send transfer.
2. Choose the account to transfer funds from and select Continue.
3. Select the account to transfer funds to and select Continue.
4. Complete the remainder of the form, then select Continue.
   • Required: Enter the amount to transfer.
   • Optional: 
     • Mark the checkbox for Repeat this transfer, if you want it to recur.
     • Change the date, if you want it to be sent on a future date.
     • Future dated transfers (recurring and individual) have the option to add a memo.
5. Review the information. If correct, select Send transfer.

More information

• Memos are not available for same-day transfers and have a limit of 35 characters.
• Transactions remain in a pending status as long as the funds aren't sent immediately and it's before the cutoff time.
• Transactions made on weekends, holidays or after midnight local time will be processed on the next business day.
• The internal transfer cut-off times for the same business day are as follows:
  • Checking, savings and reserve lines: 12 a.m. local time*.
  • Checking or savings payments to a first mortgage: 4:30 p.m. CT.
  • Deposit Point: 9 p.m. CT.
  • All other accounts: 6 p.m. local time*.

*Local time refers to the location where the payment account was opened. For example, if the account was opened in St. Paul, MN, the cutoff is based on Central Time. This time zone applies even if your payment is made in California, which is in Pacific Time.

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.