Citi Routing Number by State: Complete 2026 List

Citibank (Citi) is one of the largest banks in the United States but has a smaller physical footprint than competitors like Chase or Bank of America. Citi operates branches in 13 states plus Puerto Rico, which means its routing number list is shorter but still varies by state. The number you need depends on the state where your account is based.

See the full Citi banking guide for fees, ATM limits, and minimum balance requirements.

Citibank Routing Numbers by State

Citi has branches in 13 states. Your routing number is determined by the state (and, in California, the region) tied to your account.

Correction note (September 2026 fact-verification pass): This page previously listed a single “California” number (321171184) without noting that Citi splits the state into Northern (321171184) and Southern (322271724) regions — Southern California actually shares its number with Nevada, which was already listed correctly. It also listed Maryland sharing DC/Virginia’s number (254070116); Maryland’s correct number is 052002166. Texas was missing from the table entirely, despite the intro text referencing “12 states” (now corrected to 13, matching the states actually listed). These corrections are cross-checked against two independent routing-number directories that agree on each figure.

Note that DC and Virginia share the same routing number (254070116), and South Dakota uses the same routing number as New York City (021000089). South Dakota is where Citi processes many of its credit card and online banking operations.

If you opened your Citi account online rather than in a branch, your routing number is typically tied to the state shown in your account settings. Verify through the Citi app or at citibank.com.

Citi Wire Transfer Routing Number

Citi uses a dedicated routing number for wire transfers that differs from the ACH numbers above.

For international wire transfers into your Citi account:

Citi charges fees for wire transfers, and Citi Priority and Citigold relationship tiers may receive reduced or waived wire transfer fees — this specific claim was not independently re-verified against citibank.com this session, so confirm your tier’s current wire fee treatment directly. See the complete Citi fee schedule for current amounts.

How to Find Your Citi Routing Number

1. Citi Mobile App

Open the Citi mobile app → tap your account → select “Account details.” The routing number is displayed alongside your account number.

2. Citibank Online (citibank.com)

Log in → navigate to your account → click “Account details” or “Account information.” Your routing number is listed there.

3. On a Citi Check

The routing number is the first 9 digits printed on the bottom-left of your Citibank check. It precedes your account number and check number.

4. Customer Service

Call Citi at 1-800-374-9700. A representative can verify your routing number after identity confirmation.

ACH vs. Wire Transfer: Which Number to Use

For most everyday banking — setting up direct deposit, automating bill payments, or linking your account to services like Zelle — you’ll use the state-specific ACH routing number from the table above. Wire transfers are typically used only for large or urgent transactions where same-day processing is required.

Citi Credit Card Payments

If you’re making a payment on a Citi credit card, the routing number depends on how you’re paying:

You do not need a Citi routing number to make a credit card payment. The routing number is only for your Citi bank accounts (checking, savings, money market).

Bottom Line

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.