Buy Bitcoin with US Bank

[✓] last verified 2026-01-28·Reviewed by BankToBTC Team

Data from bank docs & FinCEN registers · How we verify · Report an error

Bank transfers generally work.

Supported payment methods: ach, wire

Last verified: Jan 28, 2026

Top Exchanges for US Bank

• Kraken
• Coinbase
• Gemini

Step-by-step guide to buying Bitcoin with US Bank

U.S. Bank works best when you use ACH Transfer to a FinCEN registered exchange, then buy inside the exchange. Use the steps below to begin.

1. Pick a regulated US exchange
   Use a FinCEN-registered and state-licensed exchange for cleaner ACH funding from U.S. Bank.
2. Create your exchange account
   Register and enable two factor authentication.
3. Complete identity verification
   Verify your identity before attempting your first deposit.
4. Add your U.S. Bank account
   Link your U.S. Bank checking account in the exchange, usually through instant bank linking, then confirm if asked.
5. Send funds by ACH transfer
   In the U.S. Bank app, go to Transfer then External Transfers, add the exchange external account if required, and approve the ACH transfer.
6. Wait for funds to arrive
   Most ACH deposits take 1 to 3 business days, and first deposits can be slower if your external account is newly added.
7. Purchase Bitcoin
   Buy BTC once the deposit is tradable.
8. Secure your Bitcoin
   Move BTC to a personal wallet for self custody if that is your goal.

Frequently Asked Questions

Can I buy Bitcoin with U.S. Bank?

Yes. U.S. Bank does not sell Bitcoin inside its consumer banking app, so the standard method is linking your account to Coinbase, Kraken, or Gemini and depositing by bank transfer. U.S. Bank also markets an Instant Transfer option for moving money to participating institutions, while standard transfers can take 1 to 3 business days, so timing depends on the rail you choose and the exchange crediting window.

Does U.S. Bank let me buy crypto inside my checking account, or is it mainly a funding bank?

For consumer banking, it is mainly a funding bank. U.S. Bank's consumer transfer documentation focuses on wires, Zelle, and other payment methods rather than a retail in-app spot crypto buy and custody flow.

Why can't I send a wire from the U.S. Bank app yet, even though my account is open?

U.S. Bank states that to send a wire through the mobile app or online banking you must have had a banking relationship for at least six months and have an eligible deposit account. If you are newer than that, you may need to use other rails until you are eligible.

What are U.S. Bank's wire fees right now for funding an exchange deposit?

U.S. Bank lists consumer wire fees in its Consumer Pricing Information disclosure. The revised disclosure effective February 16, 2026 lists domestic incoming wires at $20 and domestic outgoing wires at $30, with separate pricing for international wires and certain internal transfer types.

U.S. Bank wire vs Zelle, what is the right choice for same-day funding?

Wires are intended for large, secured, same-day funds and are priced as a premium service. U.S. Bank also points to Zelle as a fee-free way to send money that typically occurs in minutes, but it is not designed for exchange deposits the way a bank transfer rail is.

Where do I get the exact routing details to set up an exchange transfer from U.S. Bank?

U.S. Bank's wire FAQ explains you need the beneficiary's routing number and account number, and it even points customers to U.S. Bank Smart Assistant for routing number help. For exchange funding, always use the beneficiary instructions the exchange provides and do a small test first.

Evidence & Verification

This page references 4 sources: U.S. Bank Fee Schedule, U.S. Bank Wire FAQ, US Bank Source. Information was compiled from official sources and user reports.

Sources:

• U.S. Bank Fee Schedule
• U.S. Bank Wire FAQ
• US Bank Source
• FinCEN MSB Search

How we verify · Report an error

Information can change without notice. Always verify current policies directly with your bank and exchange before making transactions.