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Western Union FAQs

Sending money

  • From your mobile phone: Log in to U.S. Bank Mobile Banking, go to Pay & Transfer, and select Send or Receive Money. You'll see Western Union listed as one of your options.

    From your computer: Log in to U.S. Bank Online Banking, go to Transfers & Payments, and select Send Money to a Person. You’ll see Western Union listed as one of your options.

    Starting with cash? You can visit any U.S. Bank branch to send money to thousands of Western Union® Agent locations worldwide.

  • If you’ve been a U.S. Bank customer for at least a year and have an eligible checking or savings account, you can use Western Union Money Transfer® service to send money. You’ll also need a mobile phone number on file; to update your number, log in to Online Banking and go to Service Center > My Profile.
  • You can send up to $500 per transaction, with a daily limit of $500 and a monthly limit of $1,000.
  • Fees vary based on the principal amount of the transfer and the speed of service. You’ll see the fee (and exchange rate or estimated exchange rate, for international transactions) before you complete the transfer.

Receiving money

  • Your receiver can pick up the funds at a participating Western Union Agent location based on the destination (country, state, and/or city) you specify in your transaction. To find an agent location, call Western Union’s 24-hour automated agent locator at 800-325-6000 (Español: 800-325-4045) or visit
  • No, but using a Gold Card will earn you Western Union points towards great rewards. To learn more or enroll for free, visit
  • When you’ve completed your transaction, you’ll need to contact your receiver and give them the 10-digit tracking number (MTCN), and the answer to the test question (if you provided one). Please remind your receiver to bring a photo ID.
  • With Next Day1 service, funds will be available the following calendar day.
    1. For consumer protection, funds are delayed for transaction review; services may also be delayed or unavailable based upon certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply. See Western Union Terms and Conditions for details.
  • When your receiver visits a participating Western Union agent location to pick up the cash, he or she will need the 10-digit tracking number (MTCN), a photo ID, and the answer to the test question (if you provided one).
  • During your transaction, you have the option of adding a test question and an answer that the receiver will need to know (if allowed by the destination country and the amount). If you do this, your receiver will be able to pick up funds without ID, except where prohibited by the destination country. (Amounts available without ID may be limited.) Note: To claim funds at a U.S. Bank branch location, approved identification is required, subject to terms defined by U.S. Bank National Association. Speak with a banker for details.
  • Yes, if you ask for it beforehand. During the transaction, you’ll be asked if you want to receive a notification via email or text messaging. You can also opt out of receiving a notification altogether. Once your receiver has picked up the funds, you’ll be notified based on the option you selected. (Your mobile carrier may charge access fees depending upon your individual plan; check with your carrier for specific fees and charges.)

Customer support

  • To cancel or make changes to your transaction once it’s been sent, call Western Union customer support at 800-325-6000 (Español 1-800-325-4045). You won’t be able to change a transaction that’s already been paid out.
  • If you think there’s an issue with your transaction, call 800-325-6000 (Español: 800-325-4045) within 180 days of the date the funds should have been made available to the receiver. You can also file a complaint; a Western Union customer support representative will contact you within 24 hours. To learn more about Western Union error resolution and cancellation practices, visit the Western Union website. A full refund typically applies. A refund isn’t applicable if the receiver has already picked up the funds or where prohibited by law.

Not finding what you’re looking for? Try these helpful resources.

Mobile Banking FAQs

Mobile Banking FAQsMobile Banking FAQs

Learn how to transfer funds, deposit checks, pay bills, send money, and text for balances and transaction history with Mobile Banking from U.S. Bank.

Customer Service

Customer ServiceCustomer Service

Our Customer Service page has basic information and helpful how-to links for the most popular features of Online and Mobile Banking, along with phone numbers for additional help.

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