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USFIN Bank’s 9-digit ABA routing transit number is 021000021. Use this number for employer direct deposits, ACH bill payments, and domestic inbound wire transfers.
Domestic Wire Transfers: Outgoing domestic wires submitted before 4:00 PM EST on business days are processed same-day. Wires submitted after the cutoff or requiring manual compliance verification settle on the next business morning.
ACH Transfers: Standard external ACH transfers typically complete in 1 to 3 business days. Same-day ACH transfers complete by the end of the current banking day.
For your protection, transfers to new external beneficiaries, high-value wire transfers, or accounts with enhanced fraud protection require two-factor confirmation. A 6-digit one-time code is automatically dispatched to your verified email address to confirm you authorized the transaction.
USFIN Bank, N.A. is a Member of the Federal Deposit Insurance Corporation (FDIC). Your qualifying deposits are automatically insured up to at least $250,000 per depositor, for each account ownership category. Additionally, our digital systems utilize bank-grade 256-bit encryption and round-the-clock fraud surveillance.
You can instantly toggle your debit card to "Locked" within your online banking dashboard under the Cards section. This immediately prevents any new point-of-sale purchases or ATM withdrawals. To request a replacement card with a new card number, call our fraud desk at 1-800-555-USFIN.