Move money fast.
Easily send your money across the country or around the world.
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Optimize your business payments.
Whether you're a small or large business, high volume or large dollar amount, you can send money to fit your unique needs.
Same-day transfers
Funds available immediately with domestic transfers arriving same-day.
Safe and secure
Get additional security features embedded to safeguard your account.
Payment automation
Batch wires allows you to prepare transactions throughout the day in a single data file.
Compare your payments options.
Find the right features to fit your business needs.
| Features | Branch | Online and mobile banking | SinglePoint Essentials | |||
|---|---|---|---|---|---|---|
Wire Transfers | ||||||
| Transaction type | Domestic and International | Domestic only | Domestic and International | |||
| Transaction volume | Single transactions only | Single transactions only | Single transactions and Batch Upload | |||
| Who can transact | Account owners only | Account owners only | Accommodates multiple users | |||
| Digital Platform | Not applicable | Online Banking & U.S. Bank Mobile App | SinglePoint Essentials & Mobile SinglePoint | |||
| | Find a branch | Log In | Make an appointment | |||
Wire Transfers
| Features | |
|---|---|
| Transaction type | |
| Branch | Domestic and International |
| Domestic only | |
| SinglePoint Essentials | Domestic and International |
| Transaction volume | |
| Branch | Single transactions only |
| Single transactions only | |
| SinglePoint Essentials | Single transactions and Batch Upload |
| Who can transact | |
| Branch | Account owners only |
| Account owners only | |
| SinglePoint Essentials | Accommodates multiple users |
| Digital Platform | |
| Branch | Not applicable |
| Online Banking & U.S. Bank Mobile App | |
| SinglePoint Essentials | SinglePoint Essentials & Mobile SinglePoint |
| Branch | Find a branch |
| Log In | |
| SinglePoint Essentials | Make an appointment |
HELPFUL KNOWLEDGE AND TIPS
Expand your knowledge about payments for your business.
Crack the SWIFT code for sending international wires
Learn more
Break free from cash flow management constraints
Learn more
Making the cross-border payment decision: Wire or international ACH?
Learn more
Frequently asked questions
A wire transfer is a method of transmitting funds electronically from one financial institution to another. In most cases, the funds are received the same day they are sent. Once a wire transfer is sent, the funds leave the bank immediately and cannot be returned.
Wire transfers initiated in the U.S. Bank Mobile App or online banking are limited to domestic (U.S.) transactions, in U.S. dollars, to bank accounts at financial institutions in the United States. International wire transfers may only be completed by visiting a U.S. Bank branch.
Typically, a bank-to-bank wire transfer between accounts in the U.S. is transmitted same day and funds are delivered to the recipient within 24 hours.
Yes. For same-day domestic wire transfers, funds can only be sent on business days:
- Between7:30 a.m.and 4:30 p.m.CT
- If you scheduled a wire transfer to be sent on a future date, you can make changes until 11:59 p.m.CT the day before its send date. In either case, be sure to give yourself plenty of time to complete the necessary information before the cut-off time.
SinglePoint Essentials domestic wires:
- Business days between7:30 a.m.and 5:15 p.m.CT.
- Extended cut off - 5:30PM CST
U.S. Bank charges a fee for wire transfers, whether initiated in the app, online or by other means.
For consumers and business customers, fees are listed in the disclosuresbelow:
Learn more about Consumer Pricing Information (PDF)
Learn more about Business Pricing Information (PDF)
The recipient’s bank may also charge additional fees for incoming wire transfers, which will be paid by the recipient.
No, currently, business customers cannot waive the secondary authorization requirement for wire transfers created in the U.S. Bank Mobile App or online banking. If you need to send a wire transfer without secondary authorization, visit a U.S. Bank branch.
Wire transfers allow you to:
- Send or receive money electronically between individuals or financial institutions.
- Wire transfers happen more quickly, so there’s less time to reverse a mistake or fraud.
ACH transactions allow you to:
- Transfers funds between individuals and financial institutions.
- ACH transfers usually take one to three business days to process while the transaction is completed.
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Disclosures
Deposit products are offered by U.S.Bank National Association. Member FDIC.
Foreign-denominated funds are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.
For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).
Eligibility requirements and restrictions apply. Fees for wire transfers initiated in mobile and online banking will be displayed before confirmation. Please refer to the Digital Services Agreement for more information.
In limited cases, funds may take longer than 24 hours to be delivered. Funds can only be sent on business days between 7:30 a.m. and 4:30 p.m. CT. For more information about making wire transfers, see the Wire transfers FAQ.
U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.
General conditions and fees may apply. See a business banker for details.
Deposit accounts with non-U.S. financial institutions offered through U.S. Bank are not deposits of U.S. Bank and are not insured by the FDIC or guaranteed by any governmental agency or authority, or by U.S. Bank.
