U.S. Bank

Does US Bank have Zelle? Yes: U.S. Bank offers Zelle in the U.S. Bank Mobile App and online banking and charges no fee to use it. Zelle dollar limits appear in the app. A domestic wire costs $30 to send and $20 to receive, an international wire $50 to send and $25 to receive, and the same-day domestic wire cutoff is 5:30 PM ET.

At a glance

• ZelleYes, in the U.S. Bank Mobile App and online banking, no fee
• Zelle limitsDaily and 30-day, set per person; shown in the app
• Domestic wire out$30 ($25 to another U.S. Bank account)
• Incoming wire$20 domestic ($15 from another U.S. Bank account), $25 international
• International wire out$50, at a branch or by phone
• Wire cutoff5:30 PM ET domestic, 4:00 PM ET international

Sources: Zelle at U.S. Bank · Consumer Pricing Information · Wire cutoff times · Checked on September 27, 2026

Zelle at U.S. Bank

Zelle is in the U.S. Bank Mobile App and online banking. U.S. Bank states: “U.S. Bank does not charge any fees to use Zelle in the U.S. Bank Mobile App or online banking.”

U.S. Bank sets two Zelle limits, “The amount that can be sent for each day” and “The total amount that can be sent over a 30-day period”; they are “set per person, not per account” and “cannot be changed.” You find your figures in the app under Account services, then Transaction limits.

Sources: Zelle at U.S. Bank · Zelle limits · Checked on September 27, 2026

Wire transfers at U.S. Bank

Same-day domestic wires must be in by 5:30 PM ET (U.S. Bank states 4:30 p.m. CT); international wires by 4:00 PM ET (3 p.m. CT). Federal tax payment wires close at 3:30 PM ET (2:30 p.m. CT).

Wires in the U.S. Bank Mobile App and online banking are limited to domestic transactions in U.S. dollars; consumers send international wires at a branch or by phone. Same-day wires “can’t be canceled once you’ve submitted them”; a future-dated wire can be changed or canceled until 11:59 p.m. CT the day before its send date (12:59 AM ET on the send date). On qualifying U.S. Bank Smartly Rewards tiers, the fees for the first two incoming wires per Smartly Checking statement period are waived.

Source: Consumer Pricing Information, effective August 10, 2026 · Wire cutoff times · Wire transfers FAQ · Checked on September 27, 2026

External transfers (ACH)

Transfers between U.S. Bank and your accounts at other U.S. banks typically arrive “within one to three Business Days” at standard delivery. A one-time standard transfer started before 9:00 PM ET (8:00 p.m. CT) on a business day begins processing immediately, and instant transfers are available to participating banks. “We don’t charge a fee for outbound transfers”; inbound transfers are free too. “Your dollar limit will be displayed when you initiate a transfer,” and limits reset each business day at midnight CT. A U.S. Bank help article gives 2 to 3 business days for outbound transfers; the Digital Services Agreement’s one to three business days is the governing text.

Source: Digital Services Agreement · Checked on September 27, 2026

If a transfer is late or went wrong

A same-day U.S. Bank wire cannot be canceled once submitted; if it has not arrived, see wire transfer not received. For Zelle, see Zelle payment pending and cancel a Zelle payment; for a transfer from another bank, ACH transfer pending. Contact U.S. Bank through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.