The codes, from each bank's own page
Every code below was copied from a page published by the bank itself on October 26, 2026, and on October 30, 2026 every page was opened again and showed the same code. We did not take any code from a directory or another guide. Paste a code into the format checker if you want to see its parts.
| Bank | SWIFT/BIC for incoming international wires | Routing number the bank gives (US transfers) | Bank's page |
|---|---|---|---|
| Chase (JPMorgan Chase Bank, N.A.) | CHASUS33 | 021000021 | Chase wire FAQ |
| Bank of America | BOFAUS3N for US dollars, BOFAUS6S for foreign currency | 026009593 | Bank of America wires |
| Wells Fargo | WFBIUS6S | 121000248 | Wells Fargo routing page |
| PNC | PNCCUS33 | 043000096 | PNC wire transfers |
| USAA | No code of its own: the sender uses IRVTUS3NXXX (The Bank of New York) as intermediary | Not given on that sheet | USAA instructions (PDF) |
| BMO (U.S.) | HATRUS44 | 071025661 | BMO account guide (PDF) |
| U.S. Bank | USBKUS44IMT | See your account | U.S. Bank help |
| Capital One | HIBKUS44 | Call the bank, it says | Capital One help |
| Navy Federal Credit Union | NFCUUS33XXX | 256074974 | Navy Federal wires |
The routing number is for wires sent from inside the United States. A sender abroad needs the SWIFT/BIC instead. The routing number page explains the difference.
Four banks with a twist
- Bank of America uses two codes. Which one depends on the currency the sender pays in. See Bank of America.
- USAA has no SWIFT code for incoming wires. The money arrives through an intermediary bank. See USAA.
- Navy Federal says it only receives US currency. Its members should ask the sender's bank to use a correspondent bank (Navy Federal).
- U.S. Bank gives an 11-character code ending in IMT. That is a branch identifier, so give the sender all 11 characters. The same page gives the address for incoming wires as U.S. Bank, 200 S 6th St, Minneapolis, MN 55402 (U.S. Bank). See 8 or 11 characters.
What the banks say about fees for receiving
| Bank | Incoming wire fee, as the bank states it |
|---|---|
| Bank of America | "may incur a $15 fee per wire" |
| Wells Fargo | No fee for consumer accounts. Analyzed business accounts pay $15 (Wells Fargo) |
| USAA | No incoming wire fee from USAA. The sending bank may charge its own |
| Capital One | $15 on Essential Checking, High-Yield Checking and Essential Savings, none on other accounts |
| Navy Federal | $0 |
| Chase, PNC, BMO, U.S. Bank | Not stated on the pages we read. U.S. Bank points to its pricing brochure; BMO to its Cross-Border Banking hotline |
Banks along the way, and the sender's own bank, can take fees too. The amount that arrives can therefore be lower than the amount sent.
Banks we left out
For Citi, TD Bank and Truist, no incoming SWIFT code appeared on any page reachable when this list was built (October 26, 2026), and none is listed. Ask those banks, or look the institution up in Swift's own BIC search. A code we cannot trace to the bank does not go on this page.
Before you hand out a code
- Check the code against your bank's app or a recent statement. Banks merge and change codes, and this table was read on one day.
- Give the sender your full name as the account shows it, your account number and the bank's name and address. See receiving an international wire.
- If someone sends you a code for their bank, check it before you pay. Fraudsters change payment details by email. See the red-flag check.