SWIFT/BIC codes in United States: banks starting with E

Finding a SWIFT code in United States

This overview lists 3498 banks and financial institutions in United States. Each code identifies an institution or a specific branch or department, so a payment from abroad reaches the right place.

Look for the recipient’s bank below and click through for all codes we have and the details a transfer needs. Below the list we explain how a code from United States is put together, how to send money to United States at a fair price and what to check before you pay.

Getting paid from abroad into an account in United States

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code of your bank and usually your postal address.

Look up your bank in the list above to check its code. You can add your bank’s name and city because some forms have separate fields for it.

Do not be surprised if the amount credited is smaller than what the sender paid. Charges on incoming payments vary per bank; check the price list of your bank. Agree with the sender who pays which costs before the money is sent.

SWIFT transfers to United States

United States is not part of the SEPA area. Payments from abroad normally travel through the SWIFT network – which is why you need the BIC of the recipient’s bank.

In some countries, accounts are identified by a local account number instead of an IBAN, sometimes with an extra bank or branch code. Check with the recipient which details their bank requires for incoming international payments; banks often publish instructions for this. SWIFT payments can pass through correspondent banks and fees can be taken along the way.

When does money sent to United States arrive?

An international transfer to United States typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in either country can add a day or more to the journey.

When a payment takes longer than expected, ask the sender to contact the sending bank for a trace; only the sending side can start an official trace. Keep the payment confirmation – you will need it if something goes wrong.

The structure of a United States SWIFT/BIC code

A SWIFT code is 8 or 11 characters long and follows a fixed pattern. First comes four letters for the bank, then two letters for the country and a two-character location code.

No matter which bank, every code from United States have the same fifth and sixth letters, namely the ISO code of United States. Codes with a different country code come from a bank abroad.

An 11-character code ends in three characters for a branch. For most transfers the head office code is what you need, unless the recipient gives you a branch code.

Verifying a SWIFT code from United States

The most reliable source for the BIC is the bank details provided by the recipient. An incorrect BIC can cause a delay, a returned payment or additional charges.

Our SWIFT/BIC directory is based on publicly available sources. Even so, banks merge, rename themselves or retire codes, so information can be out of date. For any payment that matters, confirm the code with the recipient’s bank. GoldexPay is an independent comparison site and has no link to the banks in this list.

Be wary of payment requests containing a new account, especially when they come by email. A valid BIC tells you nothing about who owns the account: criminals use real codes too.

Filter: banks in United States with :letter

The letter filter narrows the list to banks in United States starting with :letter. The totals mentioned above still refer to all banks in United States, not just this letter.

Some banks are listed under their official name, which may start with words like Bank or Banco, so the letter can differ from what you expect. Try the full list for United States if you do not know how the name is spelled.

The largest SWIFT network in United States: Citadel Investment Group, L.l.c.

Among the 3498 institutions we list, Citadel Investment Group, L.l.c. holds the largest number of SWIFT/BIC codes of all banks in United States. Its head office code is CITGUS44XXX, which is the code to use when no branch is specified.

Many codes often reflects separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. Paying someone at Citadel Investment Group, L.l.c.? Go with CITGUS44XXX unless the recipient gives you a branch code.

United States and the US Dollar

The currency in United States is the US Dollar (USD). A payment in a foreign currency will be converted into USD, and whoever converts it chooses the rate.

Which bank converts the money matters. Compare how much USD the recipient gets via several providers; the difference between options can be larger than you expect. Rates for USD move during the day – some providers let you lock in a rate.

Bank or transfer service for United States?

A bank transfer to United States can cost rather more than the fee suggests. You pay a transfer fee, sometimes charges from intermediary banks and, most importantly, the margin on the exchange rate.

The real cost is often in the rate, rather than in the fee: banks convert at a rate with a margin built in. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is cheaper than a traditional bank transfer, mainly because of the rate. GoldexPay compares transfer services side by side so you can see the amount that reaches the recipient for the same amount sent.