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External Transfers FAQs

  • To get started, simply go to the Transfer Money page in Online Banking. If your account is eligible, you'll see an External Account Transfers tab as one of your options. Security note: You will need to validate your email address so we can send you up-to-date account activity emails.

    • For your accounts that do not reside at U.S. Bank, you will be required to get them verified.
    • For most of the major banks, credit unions and brokerages, we can complete online confirmation in less than a minute (on individual accounts for which you have Internet access).
    • For other accounts, we will ask you to complete a trial deposit verification procedure, which generally takes 2- 3 business days.
  • Your U.S. Bank checking, savings, and money market accounts are already eligible.

    Most external checking, savings, and money market accounts are eligible, along with some brokerage accounts at select institutions. For non-U.S. Bank accounts, you'll need to complete a simple account ownership verification process.

     

    The following external accounts are not eligible for the U.S. Bank External Transfer service:

    • Individual Retirement Accounts (IRAs)
    • Custodial and/or Trust Accounts
    • Certificate of Deposits (CDs) or other time-based accounts
    • Loan Accounts (including credit card and equity accounts)

    Other restrictions may apply; contact your financial institution with questions.

  • U.S. Bank processes Electronic Transfer Funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions.

    U.S. Bank submits a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use for direct payroll deposits and that financial institutions use for automated payments on loans and mortgages.

  • No. At this time, external transfers to and from loan accounts are not available through the External Transfer service.

  • Yes. You can schedule External Transfers up to a year in advance, and you can also schedule repeating transfers.

  • To get started, select Add a New Account from the External Account Transfers tab. You'll be asked to enter the account type, routing number, and account number.

  • From the Transfer Money page, select the External Account Transfers tab. Then simply enter the amount you want to transfer, the accounts you want to transfer From and To, the transfer date and delivery speed. Then select Continue.

    You will be provided a Review Transfer page which will display the details of your external transfer and allow you to edit if necessary.

    Once completed, you'll be provided a Transfer Confirmation page with a reference number and the details of your transfer.

    • You can print by selecting the Print link.
    • The transfer will also appear on the Activity page, which offers a detailed view of all external transfers.
  • From the Transfer Money page, select the External Account Transfers tab. Then simply enter the amount you want to transfer, the accounts you want to transfer From and To, and select the Make Recurring link.

    In the Make Recurring section, enter the frequency, first send on date and number of transfers for the recurring transfer plan. Then select Continue.

    You will be provided a Review Transfer page which will display the details of your recurring external transfer and allow you to edit if necessary.

    Once completed, you'll be provided a Transfer Confirmation page with a reference number and the details of your transfer.

    • You can print by selecting the Print link.
    • The transfer will also appear on the Activity page, which offers a detailed view of all transfers.
    • The details of each recurring transfer can be viewed and modified by selecting Edit next to the recurring transfer on the Activity page. Then select Edit all Remaining Transfers.
  • Provided you've made your transfer request before the cutoff- time, a Standard Delivery external transfer request is processed electronically on the next business day following receipt of your request.

    If you initiate a Standard Delivery External Transfer after the daily cutoff time, the transfer will be debited from the source account on the second business day following the request date. Please note that all External Transfers requested during the weekend, up until the Sunday cutoff time, will be debited from the source account on Monday.

    Scheduled and Recurring Transfers are processed as Standard Delivery External Transfers and processed on their send date.

    Depending upon the financial institution, it may take an additional business day for the transfer to be reflected in the account balance of the destination account.

  • To learn more about the charges applicable for External Transfers, go to the Transfer Money page and select the External Account Transfers tab. Select the From and To accounts, and the delivery speed. Next to the delivery speed, select the Delivery Details link to see what fees, if any, are applicable.

  • The Activity page provides an up-to-date report on your External Transfer requests over the past 180 days. Each transfer request is displayed along with the date and status of the transfer.

    You should also be able to confirm the completion of the transfer by viewing your account activity with your financial institution after scheduled completion of your request.

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