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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

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

SinglePoint Essentials

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:

  • Between 7:30 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 between 7:30 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 disclosures below:

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.

Ready to get started? 

Find a branch
Make an appointment
Request a call
Call 800-872-2657
Start of disclosure content

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.