The codes, from each bank's own page

Every code below was copied from a page published by the bank itself on 26 October 2026. 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 (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. Analysed 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 page we read. U.S. Bank points to its pricing brochure

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

Citi, TD Bank and Truist publish no incoming SWIFT code on the pages we could open, so we list none for them. 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.