U.S. Bank Routing Number

123000220
ACH

Routing Number 123000220 Details

Routing Number 123000220
Bank U.S. Bank
State / Region Oregon
Type ACH

Is 123000220 Valid?

Yes — 123000220 is a valid ABA routing number assigned to U.S. Bank for Oregon. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 123000220 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 123000220 breaks down:

DigitsValueMeaning
1–41230Federal Reserve routing symbol (San Francisco district)
5–80022U.S. Bank institution identifier
90Check digit (validates the number)

The first two digits (12) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of San Francisco. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 123000220

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 123000220 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 Oregon, 123000220 is likely the correct number.

Other U.S. Bank Routing Numbers

Routing Number State / Region Type
042100175 Ohio ACH
064000059 Tennessee ACH
073000545 Iowa ACH
091000022 Minnesota ACH & Wire
104000029 Nebraska ACH
122105155 California ACH

Frequently Asked Questions

Yes, 123000220 is the ACH routing number for U.S. Bank in Oregon.

Routing number 123000220 belongs to U.S. Bank. It is used for Oregon.

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 123000220 to set up direct deposit for your U.S. Bank account in Oregon. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 123000220 identifies the bank and branch (U.S. Bank, Oregon), 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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