For outbound transfers (from a U.S. Bank account to another financial institution), funds are typically available in the external account two to three business days after you initiate the transfer. We don't charge a fee for outbound transfers.

For inbound transfers (from accounts elsewhere to your U.S. Bank account), you'll never pay a fee – and you have a choice of speeds. Use free standard delivery to receive the funds in your U.S. Bank account in two to three business days. For more urgent needs, free next-day delivery may also be available.