U.S. Bank Routing Number

073000545
ACH

Routing Number 073000545 Details

Routing Number 073000545
Bank U.S. Bank
State / Region Iowa
Type ACH

Is 073000545 Valid?

Yes — 073000545 is a valid ABA routing number assigned to U.S. Bank for Iowa. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 073000545 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 073000545 breaks down:

DigitsValueMeaning
1–40730Federal Reserve routing symbol (Chicago district)
5–80054U.S. Bank institution identifier
95Check digit (validates the number)

The first two digits (07) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Chicago. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 073000545

This is an ACH-only routing number. U.S. Bank uses a separate routing number for wire transfers.

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your U.S. Bank Routing Number

If you need to verify that 073000545 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to U.S. Bank and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call U.S. Bank to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your U.S. Bank account in Iowa, 073000545 is likely the correct number.

Other U.S. Bank Routing Numbers

Routing Number State / Region Type
042100175 Ohio ACH
064000059 Tennessee ACH
091000022 Minnesota ACH & Wire
104000029 Nebraska ACH
122105155 California ACH
123000220 Oregon ACH

Frequently Asked Questions

Yes, 073000545 is the ACH routing number for U.S. Bank in Iowa.

Routing number 073000545 belongs to U.S. Bank. It is used for Iowa.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, U.S. Bank may use a different routing number.

Yes, you can use 073000545 to set up direct deposit for your U.S. Bank account in Iowa. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 073000545 identifies the bank and branch (U.S. Bank, Iowa), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

More U.S. Bank Resources

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