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U.S. Bank Send Money FAQs

U.S. Bank Send Money Basics

  • U.S. Bank Send Money, powered by clearXchange and Popmoney™, 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. Send Money makes sending and receiving money as easy as emailing and texting. If you know your recipient’s bank account information, you can now send money directly to their bank account, making it even easier for them to receive your money. 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.

  • You can use U.S. Bank Send Money to send money to anyone who has a bank account in the United States. There are many ways you can use it to make your life easier, such as:

    • Paying rent to your landlord or roommates
    • Giving monetary gifts to family and friends
    • Sending money to your child at college
    • Splitting the tab at a restaurant
    • Paying automatically for regularly scheduled services like daycare, lawn maintenance and housekeeping
  • There is no fee to use U.S. Bank Send Money.

    • Standard Delivery: Free
    • Next-Day Delivery: Free
    • Instant Delivery: Free

    You'll see the total fee in U.S. Bank Online or Mobile before you complete the transaction.

  • Transactions in U.S. Bank Send Money carry the same security assurances as all other activity in U.S. Bank Online and Mobile.

  • No account or financial information will be shared with your recipient. In order to process your transaction, we may share your name, email address and phone number with the recipient, along with anything you type into the message field.

  • U.S. Bank Send Money is currently available only for recipients with bank accounts in the United States. For sending money almost anywhere in the world, Western Union Money Transfer® service (also available in U.S. Bank Online and Mobile) is a great alternative. Western Union is also useful when you prefer to send cash, or anytime you need to send money to domestic recipients without a bank account.

    Learn more about Western Union

Sending Money

  • Choose Transfers & Payments from the main menu, then Send Money (in U.S. Bank Online) or Send Money to a Person (in U.S. Bank Mobile). We'll walk you through the steps to choose or add a recipient and send the money.

    To send money, you’ll need to provide:

    • Recipient information as described in the question below
    • 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 Money, you only need ONE of the following:

    Recipient's bank account number and routing number – This is the fastest and easiest way for recipients to receive your Send Money payment. Your money will be deposited directly to the recipient's bank account with no action required on the recipient’s part.


    - OR -

    Recipient's email address – If you choose this option, the recipient will receive an email from U.S. Bank or the recipient’s financial institution with instructions on how to direct the payment into their bank account.


    - OR -

    Recipient's mobile phone number – With this option, the recipient will receive a text message from U.S. Bank or the recipient’s financial institution with instructions on how to direct the payment into their bank account.

    We strongly recommend that you notify your recipient separately via text or email 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 outstanding payments. You can view your limits before you initiate a Send Money transaction by clicking on "How much can I send?" adjacent to the Amount field.

  • An account with U.S. Bank isn't required to receive money via Send Money. Your recipient will receive an email or text, from U.S. Bank or the recipient’s financial institution, with instructions on how to claim the money you send.

    Make sure you tell the recipient to expect a notification email or text and to complete the clearXchange or Popmoney registration (if required).

  • For Instant Delivery payments, funds (including any applicable fees) will be deducted from your account immediately after you initiate the transaction.

    For Next-Day Delivery payments, funds (including any applicable fees) will be deducted from your account at the end of the business day on which you initiate the transaction.

    For current-dated Standard Delivery payments, funds will be deducted from your account immediately after you initiate the transaction.

    For future-dated and recurring Standard Delivery payments, funds will be deducted from your account on the business day the payment is scheduled to be initiated.

  • If you send a payment using your recipient's email or mobile phone number, an automated email or text message will be sent immediately, from U.S. Bank or the recipient’s financial institution, with instructions on how to claim the money you send.

    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.

  • This depends in part on whether the recipient’s account is set up to receive automatic deposits. For U.S. Bank customers, automatic deposits are automatically authorized when the customer enrolls in U.S. Bank Send Money; customers of financial institutions where this option is not available will need to manually accept the payment.


    If the recipient’s account is not registered, they must follow instructions sent automatically by U.S. Bank or the recipient’s financial institution, via email or text message, to accept their first Send Money payment from you. (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 based on the delivery speed you choose:

    • 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 after the payment is accepted.
    • If you choose Standard Delivery (including future-dated and recurring payments), the money will be deposited within three business days after the payment is accepted.

    For purposes of these timelines, payments are deemed “accepted” either (a) automatically when Automatic Deposit is supported by the recipient’s financial institution and enabled in the recipient’s account, or (b) when the recipient manually accepts the payment, if required.

  • Yes. You will receive an email or text message from U.S. Bank with payment details showing that the transaction has been deposited and fully processed.

  • If a payment is sent to an email address or mobile phone number and/or the recipient has auto-deposit turned off, the recipient will have 14 days to accept the deposit. After this, the payment will be canceled and the full payment amount plus any associated fee (if applicable) will be returned to your account. Both you and your recipient will be notified that this has occurred.

    If a payment is sent with the recipient’s bank account information, no further action is required; the funds go directly to that account.

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

    • In U.S. Bank Online, choose Send Money to a Person under Transfers & Payments in the top navigation bar. 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, choose Transfers & Payments from the main menu, then choose Payment History. Once on the Payment History 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.

    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. If, however, 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.
    • 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 Delivery Payments

  • 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, you must be a U.S. Bank customer for more than one year.

  • Most Instant Delivery transactions happen in a matter of seconds.

  • If you send an Instant Delivery payment using your recipient's email or mobile phone number, an email or text message will be sent immediately, from U.S. Bank or the recipient’s financial institution, with instructions on how to claim the money you send.

    If you send an Instant Delivery payment 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 Send Money Instant Delivery payment to their account.

Requesting Money

  • In U.S. Bank Online, choose Send Money to a Person under Transfers & Payments in the top navigation bar. Select Request Money in the “Actions” box on the right hand side of the page.

    In the Mobile app or Mobile Web, choose Transfers & Payments 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. Your contact will receive an email with 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.

  • 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 apply to the number of requests and the cumulative value of requests that can be sent during various time periods. You can view your available limits before you initiate a request for money by clicking on “How much can I request?” adjacent 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 requestee responds. Your contact will be notified if you cancel a request for money after the request notification has been sent.

Responding to a Request for Money

Receiving Money

  • It depends on what information you use to send the money.

    • When you use the recipient’s email address or mobile phone number, your recipient will receive a text message or email, from U.S. Bank or the recipient’s financial institution, indicating that money has been sent via U.S. Bank Send Money. After the recipient follows the instructions to claim the payment (if required), the money will be deposited into the recipient’s account and the payment details will be added to the recipient’s account history.
    • When you use the recipient’s account information, the money is deposited directly in the recipient’s account with no action on their part. 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 Send Money payment to their account.
  • Non-Registered Recipients will receive a notification (email or text message) with instructions on how to register with their financial institution (or directly with one of our partners, clearXchange and Popmoney) to claim the money.

    Registered Recipients will not need to take any further action as long as their financial institution supports Automatic Deposit. In cases where the recipient’s financial institution does not support Automatic Deposit, the recipient will need to manually accept the payment.

  • Automatic Deposit makes it faster and easier to receive Send Money payments. For U.S. Bank customers, automatic deposits are automatically authorized when the customer enrolls in U.S. Bank Send Money. Customers of financial institutions that do not offer this capability will be required to manually accept Send Money payments before the money can be deposited.

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