Charles Schwab Bank’s routing number is 121202211. This applies to the Schwab Investor Checking account for ACH direct deposits, external transfers, and domestic wires. Schwab Bank accepts domestic wires only; it does not accept wires in foreign currency or from banks outside the U.S. and its territories.
Schwab Bank Routing Information
| Purpose | Number |
|---|---|
| ACH / Direct deposit | 121202211 |
| Domestic wire (outgoing) | 121202211 |
How to Find Your Schwab Routing Number
In the Schwab app:
- Open the Schwab app → tap Checking account
- Tap Account Details or View Full Account Number
- Routing number (121202211) and your account number are displayed
On a Schwab check: The routing number 121202211 appears in the lower-left corner of every Schwab check.
Online at schwab.com: Log in → select your Investor Checking account → click Account Details
Wire Transfer Information
| Wire Type | Routing / SWIFT | Fee | Notes |
|---|---|---|---|
| Domestic incoming wire | 121202211 | $0 | Free to receive |
| Domestic outgoing wire | 121202211 | $25 ($15 if submitted online) | Three free online wires a quarter with $100,000+ in Household Balances |
| International wire | Not accepted | — | Domestic wires only |
Schwab Bank charges $25 per outgoing domestic wire ($15 if submitted online), with three free online wires a quarter for households with $100,000 or more in balances.
For incoming wire transfers, provide:
- Bank name: Charles Schwab Bank
- Routing (ABA): 121202211
- Bank address: ask Schwab for the wire instructions that go with your account
- Account number: Your Schwab checking account number
- Account holder name: Your name as on the account
Direct Deposit Setup
Setting up payroll direct deposit to Schwab:
- Provide routing number 121202211 and your Schwab checking account number to HR
- Select “Checking” as the account type
- Deposits typically arrive on the standard payroll date — Schwab does not offer early direct deposit
Government payments (IRS, SSA): Use the same routing number and your account number. IRS refunds, SSA, and VA benefits via ACH direct deposit are fully supported.
Related Guides
- Schwab wire transfer limits 2026 — wire fees, domestic wires only
- Schwab ATM limits 2026 — unlimited worldwide reimbursement
- Schwab fees 2026 — $0 monthly, $0 foreign transaction, $25 outgoing wire ($15 online)
- Schwab vs Fidelity 2026 — checking comparison
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