Skip to content
Home » All United States domestic and International Wire Transfer routing number

All United States domestic and International Wire Transfer routing number

  • by
Wire Transfer routing number

Last Updated on September 22, 2025 by admin

A bank routing number, also known as an ABA or routing transit number, is a nine-digit code used in the United States to identify financial institutions.

These numbers are crucial for processing domestic transactions, including wire transfers, direct deposits, and electronic payments. Assigned by the American Bankers Association, each routing number is unique to the bank or credit union, ensuring that funds are routed to the correct place.

The first four digits of the routing number signify the Federal Reserve routing symbol, which assists in identifying the geographical region where the bank is located.

The next four digits are the financial institution’s unique identifier, while the final digit is a check digit used to validate the authenticity of the routing number. This system helps maintain the integrity and accuracy of financial transactions across the country.

When carry out up direct deposits or making transfers, it’s crucial to ensure the correct routing number is used to prevent any delays or errors in your transactions.

Banks often have multiple routing numbers for different types of transactions or regional branches, so it’s important to verify that you have the right one for your specific need.

Read: All South Africa Bank Swift Code For International Transfer

In the United States, a routing number—also known as an ABA number—is a nine-digit code that plays a vital role in the banking system. Here’s a breakdown of its key features and benefits:

Features of a Routing Number

  • Unique Identifier: Each financial institution has a distinct routing number that identifies it within the U.S. banking network

Structured Format:

  • First 4 digits: Federal Reserve Routing Symbol.
  • Next 4 digits: Specific bank identifier.
  • Final digit: A check digit used to verify the number’s authenticity

Printed on Checks: Found at the bottom left of checks, alongside the account number

Used in Digital Banking: Displayed in online banking apps and statements for easy access

Benefits of Using a Routing Number

 

  • Enables direct deposits, wire transfers, and ACH payments (e.g., payroll, utility bills
  • Helps verify the legitimacy of financial institutions and reduces fraud risk
  • Facilitates real-time fund movement through apps and digital wallets
  • Ensures checks are routed to the correct bank and account
  • Confirms that a bank is chartered and regulated, enhancing customer confidence
  • Larger banks may use multiple routing numbers to distinguish between branches

Whether you’re setting up automatic payments or receiving a paycheck, the routing number ensures your money gets to the right place—quickly, securely, and accurately.

Read: How to register for PNC bank online banking and Mobile app and transfer money

Structure Of A Routing Number

A bank routing number, often recognized as the American Bankers Association (ABA) routing number, is a nine-digit code used to identify financial institutions in the United States for the purpose of conducting transactions such as electronic funds transfers, direct deposits, and other banking activities.

The structure of a routing number is both systematic and meaningful, designed to provide specific information about the bank and its geographic location. Here’s how it’s broken down:

Structure of a U.S. Routing Number

 

Digits Purpose Details
1–4 Federal Reserve Routing Symbol Indicates the Federal Reserve district and processing center.
5–8 Institution Identifier Identifies the specific bank or financial institution.
9 Check Digit Used to validate the routing number using a mathematical checksum formula.

 Example: 123456789

  • 1234 → Federal Reserve district and processing center
  • 5678 → Bank identifier
  • 9 → Check digit for error detection

Check Digit ValidationThe check digit (9th digit) is calculated using a weighted formula applied to the first 8 digits. This helps detect typos or incorrect entries during transactions.

Read:   How to register for Citibank online banking and Mobile app and transfer money

How To Find Your Bank’S Routing Number

Finding your bank’s routing number can be essential for setting up direct deposits, automatic bill payments, or wire transfers. Here are the most reliable ways to locate it:

1. Check Your Paper Checks

  • Look at the bottom left corner of a personal check.
  • The routing number is the first 9-digit number, followed by your account number and check number.

2. Log Into Online Banking

  • Most banks display your routing number in your account details.
  • Navigate to:
    • Account Summary
    • Account Details
    • Or search for “routing number” in the help section.

3. Call Your Bank

  • Contact customer service and ask for the routing number.
  • Be sure to specify your account type and location, as some banks use different routing numbers for:
    • Wire transfers
    • ACH payments
    • Different states or regions

4. Visit Your Bank’s Website

  • Many banks list routing numbers by state or service type.
  • Look for a page titled “Routing Numbers,” “Wire Transfer Info,” or “FAQ.”

Read:PNC wire transfer: type of wire transfer & limits routing number and charges


Common Uses For Routing Numbers

 

Routing numbers are essential identifiers for financial institutions within the United States and they play a critical role in facilitating various types of banking transactions. Here are the most common ways they’re used:

1. Direct Deposit

  • Employers use routing numbers to deposit paychecks directly into employees’ bank accounts.
  • Government benefits (like Social Security) also rely on routing numbers for automatic payments.

2. Wire Transfers

  • Routing numbers help send or receive domestic wire transfers between banks.
  • For international transfers, banks may use SWIFT codes in addition to routing numbers.

3. ACH Transactions

  • Automated Clearing House (ACH) payments include:
    • Bill payments
    • Subscription services
    • Peer-to-peer transfers (e.g., Venmo, PayPal)
  • Routing numbers ensure these electronic payments reach the correct bank.

4. Check Processing

  • When you write a check, the routing number tells the banking system which institution should handle the transaction.

5. Setting Up Online Payments

  • Used when linking your bank account to services like:
    • Utility companies
    • Tax payments
    • E-commerce platforms

6. Receiving Tax Refunds

  • The IRS uses routing numbers to deposit refunds directly into taxpayers’ accounts.

7. Bank-to-Bank Transfers

  • Routing numbers are required when moving money between accounts at different banks.

In short, routing numbers are the backbone of secure, efficient money movement in the U.S. financial system. If you’re setting up any kind of recurring payment or transfer, chances are you’ll need one.

Read; US Bank wire transfer: type of wire transfer & limits routing number and charges

United states bank Routing number

 

1.Chase bank routing number:

 

Domestic Wire Transfers

  • Routing Number: 021000021
  • Use this for wire transfers within the United States.
  • You’ll also need:
    • Your account number
    • The name on the account

International Wire Transfers

  • SWIFT Code: CHASUS33
  • Use this when receiving funds from outside the U.S.
  • You’ll also need:
    • Your account number
    • Your full name and address
    • JPMorgan Chase Bank’s address (if requested): JPMorgan Chase Bank, N.A. 270 Park Avenue New York, NY 10017 United States

2. Bank of America Routing number

 

Domestic Wire Transfers

  • Routing Number: 026009593
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your Bank of America account number
    • The name on the account

International Wire Transfers

  • SWIFT Code: BOFAUS3N
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Bank of America’s address (if requested): Bank of America, N.A. 222 Broadway New York, NY 10038 United States
    • For international foreign currency wires, Bank of America may use a different SWIFT code: BOFAUS6S

3. CItibank routing number

Here are the wire transfer routing details for Citibank:

Domestic Wire Transfers

  • Routing Number: 021000089
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your Citibank account number
    • The name on the account

International Wire Transfers

  • SWIFT Code: CITIUS33
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Citibank’s address (if requested): Citibank N.A. 388 Greenwich Street New York, NY 10013 United States

If you’re sending foreign currency, Citibank may use different intermediary banks depending on the currency and country.

4. Wells Fargo Bank Routing number

 

Here are the wire transfer routing details for Wells Fargo Bank:

Domestic Wire Transfers

  • Routing Number: 121000248
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your Wells Fargo account number
    • The name on the account

International Wire Transfers

  • SWIFT Code: WFBIUS6S
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Wells Fargo’s address (if requested): Wells Fargo Bank, N.A. 420 Montgomery Street San Francisco, CA 94104 United States

For international wires in foreign currency, Wells Fargo may use different intermediary banks depending on the currency and country.

 

US Bank routing numbers

 

Here are the wire transfer details for U.S. Bank:

Domestic Wire Transfers

  • Routing Number: 091000022
  • This is the standard routing number used by U.S. Bank for domestic wire transfers.
  • You’ll also need:
    • Your U.S. Bank account number
    • The name on the account
    • The type of account (checking or savings)

 

International Wire Transfers

  • SWIFT Code: USBKUS44IMT
  • Used for receiving funds from outside the United States.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • U.S. Bank’s address (if requested): U.S. Bank N.A. 800 Nicollet Mall Minneapolis, MN 55402 United States

For international wires in foreign currency, U.S. Bank may use intermediary banks depending on the currency and country of origin.

 

Goldman domestic and International Wire Transfer routing number

Here are the wire transfer details for Goldman Sachs Bank USA:

Domestic Wire Transfers

  • Routing Number: 124085082
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your Goldman Sachs account number
    • The name on the account
    • The type of account (checking or savings)

International Wire Transfers

  • SWIFT Code: GSCMUS33
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Goldman Sachs Bank USA’s address (if requested): Goldman Sachs Bank USA 200 West Street New York, NY 10282 United States

Always confirm these details with Goldman Sachs directly before initiating a wire transfer, especially for international or currency-specific transactions

PNC Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for PNC Bank:

Domestic Wire Transfers

  • Routing Number: 043000096
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your PNC Bank account number
    • The name on the account
    • The type of account (checking or savings)

International Wire Transfers

  • SWIFT Code: PNCCUS33
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • PNC Bank’s address (if requested): PNC Bank, N.A. 300 Fifth Avenue Pittsburgh, PA 15222 United States

For international wires in foreign currency, PNC may use intermediary banks depending on the currency and country of origin.

Truist Financial domestic and International Wire Transfer routing number

Here are the wire transfer details for Truist Financial Corporation:

Domestic Wire Transfers

  • Routing Number: 061000104
  • This is used for sending or receiving wire transfers within the United States.
  • You’ll also need:
    • Your Truist account number
    • The name on the account
    • The type of account (checking or savings)

International Wire Transfers

  • SWIFT Code: BRBTUS33
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Truist Bank’s address (if requested): Truist Bank 214 N Tryon Street Charlotte, NC 28202 United States

The SWIFT code BRBTUS33 reflects Truist’s legacy as BB&T and SunTrust merged. Always confirm with Truist for currency-specific or country-specific instructions.

Capital One Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for Capital One Bank:

Domestic Wire Transfers

  • Routing Number: 051405515
  • This is commonly used for wire transfers within the United States, especially for Capital One accounts opened in branches.
  • You’ll also need:
    • Your Capital One account number
    • The name on the account
    • The type of account (checking or savings)

Note: Capital One has multiple routing numbers depending on account type and location. For Capital One 360 accounts, the routing number is often 031176110.

International Wire Transfers

  • SWIFT Code: HVBKUS44
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Capital One Bank’s address (if requested): Capital One Bank (USA), N.A. 1680 Capital One Drive McLean, VA 22102 United States

Always confirm with Capital One whether your account is a branch-based account or a Capital One 360 account, as they may use different routing numbers and processing instructions.

TD Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for TD Bank:

Domestic Wire Transfers

  • Routing Number: 031101266
  • This is TD Bank’s standard routing number for domestic wire transfers within the United States.
  • You’ll also need:
    • Your TD Bank account number
    • The name on the account
    • The type of account (checking or savings)

TD Bank uses different routing numbers for other transaction types (like ACH or direct deposit), which vary by state. Always confirm with TD Bank if you’re unsure.

International Wire Transfers

  • SWIFT Code: TDOMCATTTOR
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • TD Bank’s address (if requested): TD Bank, N.A. 2035 Limestone Road Wilmington, DE 19808 United States

The SWIFT code TDOMCATTTOR is based in Toronto, Canada, as TD Bank is part of Toronto-Dominion Bank Group. It’s used for international wires routed through TD’s global network.

Bank of Montreal domestic and International Wire Transfer routing number

Here are the wire transfer details for Bank of Montreal (BMO) in the United States, specifically for its U.S. operations under BMO Bank N.A.:

Domestic Wire Transfers (Within the U.S.)

  • Routing Number: 071000288
  • This is the standard routing number used by BMO Bank N.A. for domestic wire transfers in the U.S.

International Wire Transfers (Into the U.S.)

  • SWIFT Code: BMO Harris Bank – HATRUS44
  • Used for receiving international wire transfers into BMO’s U.S. accounts.
  • You’ll also need:
    • Your BMO Bank N.A. account number
    • Your full name and address
    • BMO Bank N.A.’s address (if requested): BMO Bank N.A. 320 South Canal Street Chicago, IL 60606 United States

Note: BMO’s U.S. operations were formerly branded as BMO Harris Bank, and some wire instructions may still reference that name.

First Citizens Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for First Citizens Bank in the United States:

Domestic Wire Transfers

  • Routing Number: 053100300
  • This is the standard routing number used for wire transfers within the U.S.
  • You’ll also need:
    • Your First Citizens Bank account number
    • The name on the account
    • The type of account (checking or savings)

Note: First Citizens may use different routing numbers for ACH transfers or depending on your account’s location. Always confirm with your branch or online banking portal.

International Wire Transfers

  • SWIFT Code: FCBBUS33
  • Used for receiving funds from outside the United States
  • Additional details often required:
    • Your account number
    • Your full name and address
    • First Citizens Bank’s address (if requested): First Citizens Bank 4300 Six Forks Road Raleigh, NC 27609 United States

For international wires in foreign currency, First Citizens may use intermediary banks depending on the currency and country of origin.

Morgan Stanley domestic and International Wire Transfer routing number

Here are the wire transfer details for Morgan Stanley:

Domestic Wire Transfers

  • Routing Number: 026014630
  • This is used for sending or receiving wire transfers within the United States through Morgan Stanley Private Bank
  • You’ll also need:
    • Your Morgan Stanley account number
    • The name on the account
    • The type of account (checking or savings)

International Wire Transfers

  • SWIFT Code: GSCMUS33
  • Used for receiving funds from outside the U.S.
  • Additional details often required:
    • Your account number
    • Your full name and address
    • Morgan Stanley’s address (if requested): Morgan Stanley Private Bank 2000 Westchester Avenue Purchase, NY 10577 United States

For foreign currency wires, Morgan Stanley requires different instructions and may use intermediary banks. These wires cannot be processed using the standard USD wire instructions and may be returned if incorrect

Citizens Bank domestic and International Wire Transfer routing number

For Citizens Bank, the routing numbers used for wire transfers are:

Wire Transfer Routing Numbers1.Domestic Wire Transfers: Routing Number: 241070417

2. International Wire Transfers: Routing Number: 271972462 SWIFT Code: You’ll also need the SWIFT code for international transfers. Citizens Bank’s SWIFT code is typically CTZIUS33, but it’s best to confirm this with your branch or online banking

Fifth Third Bank domestic and International Wire Transfer routing number

Here are the routing details for wire transfers with Fifth Third Bank:

Wire Transfer Routing Numbers

  • Domestic Wire Transfers (within the U.S.): Routing Number: 042000314
  • International Wire Transfers (from outside the U.S.): Fifth Third Bank does not use an IBAN, but you’ll need:
    • SWIFT Code: FTBCUS3C
    • Bank Address: Fifth Third Bank, 38 Fountain Square Plaza, Cincinnati, OH 45263
    • Routing Number (for USD transfers): 042000314

M&T Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for M&T Bank:

Wire Transfer Routing Numbers

  • Domestic Wire Transfers (within the U.S.): Routing Number: 022000046
  • International Wire Transfers (from outside the U.S.): M&T Bank does not use IBAN, but you’ll need:
    • SWIFT Code: MTBKUS33
    • Bank Address: M&T Bank, One M&T Plaza, Buffalo, NY 14203
    • Routing Number (for USD transfers): 022000046

 What You’ll Need for a Wire Transfer

  • Your Account Number
  • Your Full Name and Address
  • Recipient’s Bank Name, Address, and SWIFT Code (for international)
  • Purpose of Transfer (sometimes required for international wires)

Huntington Bancshares domestic and International Wire Transfer routing number

Here are the wire transfer details for Huntington Bancshares (Huntington National Bank):

 Wire Transfer Routing Numbers

  • Domestic Wire Transfers (within the U.S.): Routing Number: 044000024

International Wire Transfers (from outside the U.S.):

  • SWIFT Code: HUNTUS33
  • Bank Address: Huntington National Bank, 17 South High Street, Columbus, OH 43215
  • Routing Number (for USD transfers): 044000024

American Express National Bank domestic and International Wire Transfer routing number

Here are the wire transfer details for American Express National Bank:

Wire Transfer Routing Numbers

  • Domestic Wire Transfers (within the U.S.): Routing Number: 124303243

International Wire Transfers (from outside the U.S.):

  • Routing Number (for USD transfers): 124303243
  • SWIFT Code: American Express National Bank does not publicly list a SWIFT code, as it may not support incoming international wire transfers in the same way traditional banks do.
  • Alternative Routing (Savings Accounts): If you’re using a Savings Account, the routing number may be different: 124085066

State Street domestic and International Wire Transfer routing number

Here are the wire transfer details for State Street Bank and Trust Company:

Wire Transfer Routing Numbers

  • Domestic Wire Transfers (within the U.S.): Routing Number: 011000028 This number is used for both FedACH and Fedwire payments
  • International Wire Transfers (from outside the U.S.):
    • SWIFT Code: Typically SBOSUS3BXXX (confirm with your branch or institution)
    • Bank Address: State Street Bank and Trust Company, One Lincoln Street, Boston, MA 02111
    • Routing Number (for USD transfers): 011000028
admin
'Follow me'
admin
I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences
admin
'Follow me'
Latest posts by admin (see all)

Related Posts

Tags:

Leave a Reply

Your email address will not be published. Required fields are marked *