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 just 12 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.
Citibank Routing Numbers by State
Citi has branches in 12 states. Your routing number is determined by the state tied to your account.
| State | Routing Number |
|---|---|
| California | 321171184 |
| Connecticut | 221172610 |
| District of Columbia | 254070116 |
| Florida | 266086554 |
| Illinois | 271070801 |
| Maryland | 254070116 |
| Nevada | 322271724 |
| New Jersey | 021272655 |
| New York (NYC / downstate) | 021000089 |
| New York (upstate / other) | 022000868 |
| South Dakota | 021000089 |
| Virginia | 254070116 |
Note that DC, Maryland, and Virginia share the same routing number (254070116), and the South Dakota routing number is the same as New York City’s. 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.
| Transfer Type | Routing Number |
|---|---|
| Domestic wire transfer | 021000089 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | CITIUS33 |
For international wire transfers into your Citi account:
| Information | Details |
|---|---|
| SWIFT/BIC code | CITIUS33 |
| Bank name | Citibank, N.A. |
| Bank address | 388 Greenwich St, New York, NY 10013 |
| Your account number | Your Citibank account number |
| Your name and address | As it appears on your account |
Citi charges fees for wire transfers that vary by account tier. Citi Priority and Citigold customers may receive reduced or waived wire transfer fees. See the current fee schedule at citibank.com.
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
| Transaction | Which Number |
|---|---|
| Direct deposit from employer | State-specific ACH number |
| IRS tax refund deposit | State-specific ACH number |
| Setting up autopay | State-specific ACH number |
| Linking to external apps (Venmo, etc.) | State-specific ACH number |
| Receiving a domestic wire | 021000089 |
| Sending a domestic wire | 021000089 |
| International wire | SWIFT: CITIUS33 |
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:
| Payment Method | What You Need |
|---|---|
| Pay from a Citi bank account | No routing number needed — handled internally |
| Pay from another bank’s account | The other bank’s routing number + your account number |
| Pay by mail | Send to the address on your statement |
| Autopay from external bank | External bank’s routing number |
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
| Question | Answer |
|---|---|
| How many routing numbers does Citi have? | ~10 (12 states, some share numbers) |
| Most common Citi routing number | 021000089 (New York) |
| Wire transfer routing number | 021000089 |
| SWIFT code | CITIUS33 |
| States with branches | 12 (CA, CT, DC, FL, IL, MD, NV, NJ, NY, SD, VA) |
| Best way to verify | Citi app → Account details |