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U.S. Bank Send Money FAQs

U.S. Bank Send Money Basics

  • U.S. Bank Send Money is an easy way for you to send money electronically from your U.S. Bank account to anyone who has a bank account in the United States. Our Send Money service offers two ways to pay a person either Send Money with ZelleSM or Send to Account.

    Send Money with ZelleSM payments can be made using the recipients’ email or mobile phone number. The recipient will receive a notification with instructions on how to direct the payment into his/her bank account.

    Send to Account payments can be made using the recipients' account and routing number. The payment will be directly deposited into the recipients' bank account.

    U.S. Bank Send Money also offers a Request Money feature that lets you request money from others and receive it directly to a U.S. Bank account of your choice.

Sending Money with ZelleSM

  • Zelle is a new person-to-person payment service that unites a vast network of banks providing a consistent, secure and seamless payments experience. U.S. Bank has partnered with Zelle to offer our customers a fast, secure and convenient way to send money in minutes to almost anyone in the United States with a bank account. To send a payment, all you need is an email or mobile phone number and for the recipient to receive the money in minutes, they will need to be enrolled in Zelle.

    • In U.S. Bank Online, under the Send Money tab in the top navigation, select Send Money with ZelleSM.
    • In the Mobile app or Mobile Web, navigate to the main menu and select Send Money and then Send Money with ZelleSM.

    To send money, you'll need to provide:

    • Recipient's email or mobile phone number
    • The amount you wish to send

    You will receive confirmation when the transfer is completed.

  • To send money with U.S. Bank Send Money with ZelleSM, you only need ONE of the following:

    • Recipient's email
    • - OR -
    • Recipient's mobile phone

    The recipient will receive a notification from U.S. Bank, the recipient’s financial institution or directly from Zelle with instructions on how to direct the payment into their bank account.

    We strongly recommend that you notify your recipient separately to expect a payment from U.S. Bank Send Money with ZelleSM.

  • Limits apply to the amount you can send per transaction, per day and per month, as well as to total scheduled payments. You can view your limits before you initiate a Send Money with ZelleSM transaction by clicking on "How much can I send?" adjacent to the Amount field.

    Limits may change at any time. It is recommended to review your limits periodically, specifically for recurring payments.

  • An account with U.S. Bank isn't required to receive money via Send Money with ZelleSM. Your recipient will receive a notification from U.S. Bank, the recipient's financial institution, or directly from Zelle with instructions on how to claim the money.

    Make sure you tell the recipient to expect a notification and to complete the registration (if required).

  • If you send money with Zelle, funds will be deducted from your account immediately after you initiate the transaction, unless future dated.
  • If you send a Zelle payment using your recipient's email or mobile phone number, a notification will be sent immediately from the recipient's financial institution or directly from Zelle, with instructions on how to claim the money you send.
  • If the recipient's account is not registered, to accept their first Send Money payment, they must follow instructions sent automatically by U.S. Bank or Zelle. (This only needs to be completed once. Subsequent payments to the same recipient do not require this step.) After the recipient completes the instructions to claim the payment, the money will be deposited into their account.

    If money has been sent to an email address or mobile phone number with Zelle and the recipient’s account is already registered, it will be deposited in minutes.

  • Yes. You will receive a notification from U.S. Bank with payment details showing that the transaction has been deposited and fully processed.

  • If a payment is sent with Zelle to an email address or mobile phone number, the recipient will have 14 days to accept the payment. After this, the payment will be canceled and the full payment amount will be returned to your account. Both you and your recipient will be notified that this has occurred.

  • Yes, you can cancel any U.S. Bank Send Money with ZelleSM payment that has not yet been claimed by the recipient. To cancel a payment:

    • In U.S. Bank Online, under the Send Money tab in the top navigation bar, select Send Money with ZelleSM. In the Actions box select Transaction Timeline. You’ll see a list of your transactions, with the option to cancel any that are still pending.
    • In the Mobile app or Mobile Web, navigate to the main menu and select Send Money and then Manage Payments to access your transaction timeline. Once on the Manage Payments screen, select the payment you want to cancel and select Cancel Payment.

    Your recipient will be notified if you cancel a payment after a payment notification has been sent. Payments that have already been claimed by the recipient cannot be canceled.

  • Yes, you can change or cancel your next scheduled payment any time before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments.

    In U.S. Bank Online, from the Send Money tab in the top navigation bar, select Send Money with ZelleSM. Under the Actions box, select Transaction Timeline and select the payment you would like to change. Then choose to either Edit Payment or Cancel Payment.

    In the Mobile app or Mobile Web, select Send Money from the main navigation and choose Manage Payments to access your transaction timeline. Select the payment you would like to change and choose to either Edit Payment or Cancel Payment.

    You can also edit or cancel the entire recurring payment plan at any time.

  • It's always a good idea to double-check the validity of your contact information before sending a payment with U.S. Bank Send Money with ZelleSM. If, however, if you inadvertently send money to a recipient you didn’t intend, there are steps you can take:

    • As long as the recipient has not yet claimed the money, you can cancel the payment as described above in Can I cancel a payment.
    • If the recipient has already accepted the payment, you can attempt to recoup your money by filing a payment dispute. To do this, visit your nearest U.S. Bank branch or call us anytime at 800-US BANKS (872-2657).
  • Instant payments may be made to anyone that is enrolled in Zelle and if the payment is within allowed limits. To send money instantly with Zelle using an email address or mobile phone number, you must be a U.S. Bank customer for at least 3 calendar days and have a primary mobile number registered on your profile.

  • If you send money with Zelle using your recipient's email or mobile phone number, a notification will be sent immediately, from the recipient’s financial institution or directly from Zelle, with instructions on how to claim the money you send.

Send Money to Account

  • If you would like to send someone money and you have their account and routing number, you can use U.S. Bank Send Money to Account to make the payment.

    • In U.S. Bank Online, Under Send Money tab in the top navigation, select Send to Account.
    • In the Mobile app or Mobile Web, navigate to the main menu and select Send Money and then Send to Account

    To send money, you’ll need to provide:

    • Recipient’s account and routing number
    • The amount you wish to send

    You will receive a confirmation receipt via email when the transfer is completed.

  • To send money with U.S. Bank Send to Account you need the recipients account and routing number. Your money will be deposited directly into the recipients bank account with no action needed on the recipients part.

    We strongly recommend that you notify your recipient separately to expect a payment from U.S. Bank Send Money.

  • Limits apply to the amount you can send per transaction, per day and per month, as well as to total scheduled payments. You can view your limits before you initiate a Send to Account transaction by clicking on "How much can I send?" adjacent to the Amount field.

    Limits may change at any time. It is recommended to review your limits periodically, specifically for recurring payments.

  • An account with U.S. Bank isn't required to receive money via Send to Account. Payments can be made to any account within the United States.

  • If you send money to an account number, funds will be deducted from your account based on the payment speed that was selected.

    • For Instant Delivery payments, funds will be deducted from your account immediately after you initiate the transaction
    • For Next Day Delivery payments, funds will be deducted from your account at the end of the business day on which you initiate the transaction.
    • Standard Delivery payments (current-dated, future-dated and recurring), funds will be deducted from your account at the end of the business day on which you initiate the transaction or when the payment is scheduled to be initiated.
  • If you send a payment using your recipient’s bank account information, no automated notification will be sent. We strongly recommend that you independently contact your recipient to let them know that they should expect a Send Money payment to their account. The recipient can then verify receipt by monitoring transactions in that account.

  • The recipient will receive the funds based on the delivery speed that was selected.

    • If you choose Instant Delivery, the recipient will receive the money immediately after the payment is accepted
    • If you choose Next Day Delivery, the recipient will receive the money the next business day
    • If you choose Standard Delivery (including future-dated and recurring payments), the money will be deposited within three business days after the payment was sent.
  • Yes. You will receive an email from U.S. Bank with payment details showing that the transaction has been deposited and fully processed.
  • Yes, you can cancel any U.S. Bank Send to Account payment that has not been processed and is pending. To cancel a payment:

    • In U.S. Bank Online, under the Send Money tab on the top navigation bar, select Send to Account. From the Actions box, select Transactions Timeline and choose the Scheduled tab. You’ll see a list of your transactions, with the option to cancel any that are still pending.
    • In the Mobile app or Mobile Web, navigate to the main menu and select Send Money and then Manage Payments to access your transaction timeline. Once on the Manage Payments screen, select the payment you want to cancel and select Cancel Payment.

    Your recipient will be notified if you cancel a payment after a payment notification has been sent. Payments that have already been processed cannot be canceled.

  • Yes, you can change or cancel your next scheduled payment any time before the send date. If you wish to edit the next scheduled payment, you can update the send date, frequency, end date and amount without affecting future payments.

    In U.S. Bank Online, from the Send Money tab in the top navigation bar, select Send to Account. Under the Actions box, select Transactions Timeline and then Recurring. Select the payment you would like to change. Then choose to either edit or cancel.

    In the Mobile app or Mobile Web, select Send Money from the main navigation and choose Manage Payments to access your transaction timeline. Select Recurring and then choose the payment you would like to edit or cancel.

    You can also edit or cancel the entire recurring payment plan at any time.

  • It’s always a good idea to double-check the validity of your contact information before sending a payment with U.S. Bank Send to Account. If, however, if you inadvertently send money to a recipient you didn’t intend, there are steps you can take:

    • As long as the payment is pending and has not been processed, you can cancel as described above in Can I cancel a payment
    • If the payment has already been processed, you can attempt to recoup your money by filing a payment dispute. To do this, visit your nearest U.S. Bank branch or call us anytime at 800-US BANKS (872-2657).
  • Instant Delivery payments can only be sent to a recipient who is registered at a financial institution that supports instant payments. In order to send Instant Delivery payments with an account number, you must be a U.S. Bank customer for at least 3 calendar days.

  • If you send money using your recipient’s bank account information, the payment will be deposited automatically and the recipient can verify they have received the money by checking their account balance and transaction history. No automated email notification will be sent to the recipient when you use this method, so we strongly recommend that you independently contact your recipient to let them know that they should expect a payment to their account.

Requesting Money

  • In U.S. Bank Online, navigate to Send Money in the top navigation bar and Select Send Money with ZelleSM. Select Request Money in the "Actions" box on the right hand side of the page.

    In the Mobile app or Mobile Web, from the main menu, choose Send Money, then select Request Money. To send a request for money to someone, all you need is their email address or mobile phone number. Your contact will receive instructions on how to pay the request.

    You can request a specific amount or leave the request open-ended.

  • No, there is no fee to request money using the Request Money feature in U.S. Bank Send Money.

  • Up to three business days after the recipient of the request responds with a payment, the money will be deposited automatically in the account you designated when you sent the request.

  • Limits can vary. You can view your available limits before you initiate a request for money by selecting “How much can I request?” next to the Amount field.

  • Yes. You can request money from up to five contacts at once. You can choose a single request amount that will apply to all contacts you include in a group request, or leave the amount of the request open, allowing each respondent to decide how much they will pay.

  • Yes, you should. A personal message gives your contacts the confidence that they are receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to your contacts.

  • Yes, you may cancel a request for money any time before the contact responds. Your contact will be notified if you cancel a request for money after the request notification has been sent.

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