Minnesota is home to the national headquarters of U.S. Bank — the fifth-largest bank in the United States — making it one of the few states where a major national bank's headquarters and primary routing number are both rooted in the same place.
The Twin Cities metro (Minneapolis-St. Paul) has one of the highest concentrations of Fortune 500 companies per capita in the US, including Target, Best Buy, and UnitedHealth Group — all major payroll direct deposit employers. U.S. Bank's Minneapolis origin means its Minnesota routing numbers are its 'native' numbers, while other national banks use imported routing numbers from acquisitions.
National Banks in Minnesota
These banks use Minnesota-specific ACH routing numbers for accounts opened in Minnesota.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
ACH vs. Wire: Which Number Do You Need?
| Transfer Type | Which Routing # | Speed | Cost |
|---|---|---|---|
| Direct Deposit | ACH Routing # | 1–3 days | Free |
| Wire Transfer | Wire Routing # | Same day | $15–$50 |
| Bill Pay | ACH Routing # | 1–5 days | Free |
Regional Banks in Minnesota
Headquartered or major operations in Minnesota. Typically one routing number statewide.
Bremer Bank
SiteSt. Paul, MN community bank. Employee-owned. Major Upper Midwest presence.
Alerus Financial
SiteGrand Forks-originated bank with strong Minnesota business banking.
Bell Bank
SiteFargo-based fast-growing bank with significant Minnesota operations.
Minnesota Credit Unions
U.S. Bank (US Bancorp), headquartered in Minneapolis, is the 5th largest bank in the United States — the only top-5 US bank based outside of New York or San Francisco.
Spire Credit Union
SiteTwin Cities CU open to all Minnesota residents. Formerly Postal CU.
TruStone Financial CU
SitePlymouth, MN CU. Open to anyone in the Twin Cities metro area.
Wings Financial CU
SiteApple Valley, MN CU originally for Northwest Airlines employees. Now broader.
Lakes & Pines Community CU
SiteRural Minnesota CU serving Isanti, Chisago, Pine, and Kanabec counties.
FAQ — Minnesota Routing Numbers
U.S. Bank uses 091000022 for ACH transactions on Minnesota accounts. Since U.S. Bank (US Bancorp) is headquartered in Minneapolis, Minnesota is its 'home' state and this is its primary routing number. Unlike other national banks where regional routing numbers are inherited from acquisitions, U.S. Bank's Minnesota number is its original routing number. Wire transfers use 091000022 as well.
Yes — Wings Financial dropped its Northwest Airlines employee exclusivity and now serves a much broader membership base including residents of the greater Twin Cities metro area, aviation industry workers nationwide, and family members of existing members. Their routing number is 291973614 and they're headquartered in Apple Valley, MN.
Wells Fargo uses 091000019 for ACH transactions on Minnesota accounts. This routing number reflects the Norwest Corporation legacy — Norwest was headquartered in Minneapolis before merging with Wells Fargo (San Francisco) in 1998. Minnesota was thus Norwest's home turf, and the routing number reflects that Upper Midwest origin.
Bremer Bank is a St. Paul, Minnesota-based regional bank that operates as a unique trust structure: the Otto Bremer Trust owns the majority of the company. Unlike publicly traded banks, Bremer doesn't answer to shareholders — profits support the trust's philanthropic mission across the Upper Midwest. Their routing number is 091000433.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.