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

SWIFT/BIC codes in United States

For United States our database holds 5781 SWIFT/BIC codes. Every code identifies an institution or one of its branches.

Select a bank below to see the head office code and its other codes. Below the list you can read how codes from United States are built, how to send money there without overpaying and how to check a code before you pay.

SWIFT codes in United States: banks under :letter

This page only shows banks in United States beginning with :letter. The figures for United States on this page cover every bank we list.

Many institutions are listed under their legal name rather than the name on their app or website, so the letter can differ from what you expect. Try the full list for United States when you do not know how the name is spelled.

Verifying a SWIFT code from United States

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a statement or their online banking. If the code you have differs from the code listed here, stop and ask.

We collect bank codes using publicly available data and check them regularly. Institutions merge, close branches and retire codes – a directory can be a step behind. Treat this list as a starting point, not as the final word; the recipient’s bank details are leading. GoldexPay is an independent comparison site and is not affiliated with the banks listed.

Scammers often use payment requests carrying new bank details that look completely genuine. A real SWIFT code says nothing about whether a request is genuine: criminals use real codes too.

How SWIFT codes from United States are built

Each SWIFT/BIC code consists of eight or eleven characters in a fixed order. First comes a four-letter bank code, then two letters for the country and two characters for the location.

For banks in United States, letters five and six show the two-letter ISO code of United States, which makes these codes easy to recognise. If those two letters point to another country, the code belongs to a bank somewhere else.

The optional last three characters stand for a branch or department; XXX is used for the head office. Use a branch code only if the recipient’s bank asks for it – otherwise stick with the head office.

Paying in USD: what conversion costs you

The currency of United States is the US Dollar (USD). If you send another currency, the amount gets converted somewhere along the way.

Where the conversion happens has an effect on the final amount. Often it is cheaper if you send USD directly through a provider with a good rate rather than letting the receiving bank convert. With bigger transfers, even a small difference in the rate can be worth more than the fee.

Sending money to United States for less

The price of a transfer to United States has more than one component – not only the fee you see. Besides a fixed fee, correspondent banks can take a cut and, if currencies are converted, the bank usually applies a less favourable rate than the real market rate.

The markup on the rate is often the biggest cost item. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate and lower fees. GoldexPay compares these providers side by side so you can see the amount that reaches the recipient.

Getting paid from abroad into an account in United States

To receive a transfer from abroad into a United States account, the sender needs not just the SWIFT code. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your address.

Your bank’s code is in our list, yet the version on your own statement or in your banking app is leading. Some sending banks also want your bank’s address; it does no harm to include it.

Do not be surprised if the amount credited is below what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. For business payments, state how the fees are split, so nobody is left short.

Citadel Investment Group, L.l.c. and its SWIFT codes

Citadel Investment Group, L.l.c. leads the list for United States in the number of SWIFT/BIC codes. Its head office code is CITGUS44XXX.

A large number of codes often reflects that the bank registers branches and departments separately. If not a branch code is given, the head office code CITGUS44XXX works for transfers to this bank.

Transfer times to United States

There is no single delivery time for transfers to United States: many arrive the same day or the next. Public holidays in United States or in the sending country can add extra days.

If the money seems late, ask the sender to contact the sending bank – the receiving bank often cannot see a payment that has not arrived. Keep your transfer receipt; a bank needs it to start a trace.

Why a transfer to United States needs a SWIFT code

Since United States does not belong to SEPA, an international payment normally goes through SWIFT. This means you always need the BIC of the recipient’s bank, together with the account number or IBAN.

Depending on the country, the account is identified by a local account number instead of an IBAN. The recipient’s bank often provides instructions for incoming international payments, and it is worth following them to the letter. Before it arrives, a transfer can pass through intermediary banks that charge for their part.