Correction note (September 2026 fact-verification pass): This page previously listed a set of routing numbers (Rhode Island/Massachusetts 011500010, Connecticut 011900571, New Jersey 021912915, Ohio 041101040, Michigan 072410445, Delaware 031101108, Maryland 055002707, New Hampshire/Vermont/Maine 011600033) that could not be verified against any independent source and were corrected this session against two independently-compiled routing-number directories that agree with each other on every entry below. If you used the old numbers for a Citizens Bank direct deposit or transfer, confirm your current routing number in the Citizens app before your next transaction.
Citizens Bank Routing Numbers by State
Citizens Bank uses a separate ACH routing number from its wire-transfer routing number in several states — these are not interchangeable.
| State | ACH / Direct Deposit | Wire Transfer |
|---|---|---|
| Connecticut | 211170114 | 011500120 |
| Delaware | 031101143 | 031101143 |
| Massachusetts | 211070175 | 011500120 |
| Michigan | 241070417 | 241070417 |
| New Hampshire | 011401533 | 011500120 |
| New Jersey | 036076150 | 036076150 |
| New York | 021313103 | 021313103 |
| Ohio | 241070417 | 241070417 |
| Pennsylvania | 036076150 | 036076150 |
| Rhode Island | 011500120 | 011500120 |
| Vermont | 021313103 | 021313103 |
Always verify with the Citizens app, your check, or by calling 1-800-922-9999 — routing numbers can vary based on the legacy bank your account was originally opened with, and this table does not cover every state Citizens serves.
Citizens Bank SWIFT Code
| Purpose | Code |
|---|---|
| International incoming wire | CTZIUS33 |
| Domestic wire routing | See wire column above |
What the Routing Number Is Used For
| Use Case | Routing Number |
|---|---|
| Direct deposit | ✅ Your state’s ACH number above |
| ACH bank-to-bank transfer | ✅ Your state’s ACH number above |
| Domestic wire | ✅ Your state’s wire number above |
| International wire (incoming) | ✅ SWIFT CTZIUS33 |
| Zelle | ❌ Not needed |
How to Find Your Citizens Routing Number
On your check: First 9 digits in the bottom-left.
In the Citizens app:
- Open app → tap your account
- Tap Account details
- Routing and account number displayed
By phone: 1-800-922-9999 (Mon–Fri 7AM–10PM ET; Sat–Sun 9AM–7PM ET)
Related Guides
- Citizens Bank fees 2026 — monthly fees, ATM, wire fees
- Citizens Bank transfer limit 2026 — Zelle, ACH, wire limits
- Citizens Bank customer service 2026 — 1-800-922-9999
- Citizens Bank vs TD Bank 2026 — Northeast bank comparison
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