Nearly all major financial institutions operating within the United States utilize the SWIFT network to conduct secure cross-border wire transfers and international financial messaging. Prominent national and multinational banks—such as JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, Goldman Sachs, and The Bank of New York Mellon—rely heavily on SWIFT codes (also known as Bank Identifier Codes) to communicate with foreign counterparties and move funds globally. Smaller regional and community banks in the US also access the network, often partnering with larger correspondent banks that maintain direct SWIFT connectivity to process international transactions seamlessly on behalf of their local retail and corporate customers.