United States's banking system runs on Fedwire (gross, real-time) and CHIPS (net, near real-time). The country's currency is the USD. The major banks below handle the vast majority of inbound and outbound SWIFT payments to United States.
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Details
United States runs its domestic interbank settlement on Fedwire (gross, real-time) and CHIPS (net, near real-time). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in United States: JPMorgan Chase (CHASUS33, New York), Citibank N.A. (CITIUS33, New York), Bank of America (BOFAUS3N, New York), Wells Fargo (WFBIUS6S, San Francisco), BNY Mellon (IRVTUS3N, New York), PNC Bank (PNCCUS33, Pittsburgh).
JPMorgan Chase — SWIFT/BIC CHASUS33, headquartered in New York. Largest US correspondent and USD clearer.
Citibank N.A. — SWIFT/BIC CITIUS33, headquartered in New York. Top USD clearer with global correspondent network.
Bank of America — SWIFT/BIC BOFAUS3N, headquartered in New York. Major USD clearer for Latin America corridors.
Wells Fargo — SWIFT/BIC WFBIUS6S, headquartered in San Francisco. Top-five US correspondent; strong in trade finance.
BNY Mellon — SWIFT/BIC IRVTUS3N, headquartered in New York. World's largest custodian and a top USD clearer.
PNC Bank — SWIFT/BIC PNCCUS33, headquartered in Pittsburgh. Top-ten US bank with strong corporate treasury offering.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
Key facts
Country: United States (US)
Currency: USD
Domestic settlement: Fedwire (gross, real-time) and CHIPS (net, near real-time)
Number of major banks listed: 6
Trackable on Ohmyfin: yes — free via UETR
Frequently asked questions
What are the major banks in United States?
The largest banks in United States include JPMorgan Chase, Citibank N.A., Bank of America, Wells Fargo.
What is the SWIFT code for JPMorgan Chase?
JPMorgan Chase's primary SWIFT/BIC is CHASUS33 (head office in New York). Branches use 11-character extensions of this code.
How are domestic payments settled in United States?
Fedwire (gross, real-time) and CHIPS (net, near real-time)
How do I track a SWIFT payment to or from United States?
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in United States (or the international intermediary) is currently holding the payment.