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Western Union FAQs

Sending money

  • From your mobile device: Choose “Western Union” from the menu screen (to open the menu, tap the shield icon).

    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 in Online Banking go to Service Center > My Profile.
    • To update your number in Mobile Banking go to Self Service > My Profile. (Tap the shield icon to open the main menu, which includes Self Service).
  • You can send up to $500 per transaction, with a daily limit of $500 and a monthly limit of $1,000.
  • Fees1 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.
    1. Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates.

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 The Western Union 24-hour automated agent locator at 1-877-783-5792 (Español: 1-800-325-4045) or visit
  • No, but using your My WU® Number will earn you Western Union® points towards 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. Date available will be displayed on receipt for international transfers over $15. For consumer protection, funds are delayed for transaction review; service and funds availability also depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).
  • 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 U.S. Bank customer support at 800-USBANKS (872-2657) (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 U.S. Bank customer support at 800-USBANKS (872-2657) (Español: 1-800-325-4045) 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 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 Service

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

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