Every bank in the United States has at least one routing number — a 9-digit code that identifies the institution for electronic transactions. Large national banks often have different routing numbers depending on which state you opened your account in, while online banks typically use a single number for all customers.
Below you’ll find routing numbers for every major US bank, organized for quick reference. Always verify your routing number through your bank’s official app or website before initiating a transfer.
Quick Reference: Major Bank Routing Numbers
This table shows the most commonly used (primary) routing number for each bank. If your bank operates in multiple states, scroll down to the bank-specific section for the routing number that matches your state.
| Bank | Primary Routing Number | Varies by State? | Details |
|---|---|---|---|
| Chase | 021000021 | ✅ Yes | 24 states |
| Bank of America | 026009593 | ✅ Yes | All 50 states |
| Wells Fargo | 121000248 | ✅ Yes | All 50 states |
| Citi | 021000089 | ✅ Yes | 12 states |
| Capital One | 051405515 | ✅ Yes | By region |
| PNC | 043000096 | ✅ Yes | 21 states |
| US Bank | 122235821 | ✅ Yes | 26 states |
| TD Bank | 031101266 | ✅ Yes | 15 states |
| Truist | 061000104 | ✅ Yes | 15 states |
| Ally Bank | 124003116 | ❌ No | Single number |
| Navy Federal | 256074974 | ❌ No | Single number |
| USAA | 314074269 | ❌ No | Single number |
How Routing Numbers Work
A routing number (also called an ABA routing number or RTN) is a 9-digit code assigned by the American Bankers Association to identify financial institutions. You need this number for direct deposits, wire transfers, ACH payments, tax refund deposits, and linking bank accounts.
Large banks that operate across many states typically acquired smaller regional banks over the years, which is why they ended up with different routing numbers in different states. The routing number you need is based on the state where you originally opened your account — not where you currently live.
| Part of Routing Number | Digits | Meaning |
|---|---|---|
| Federal Reserve district | 1-2 | Identifies the Fed district (01-12) |
| Fed bank/office | 3-4 | Specific Federal Reserve bank and office |
| Bank identifier | 5-8 | Identifies the specific bank |
| Check digit | 9 | Validation digit |
Chase Bank
Chase is the largest bank in America and uses different routing numbers across 24+ states. Use the number for the state where you opened your account.
| State | Routing Number |
|---|---|
| Arizona | 122100024 |
| California | 322271627 |
| Colorado | 102001017 |
| Connecticut | 021100361 |
| Florida | 267084131 |
| Georgia | 061092387 |
| Idaho | 123271978 |
| Illinois | 071000013 |
| Indiana | 074000010 |
| Kentucky | 083000137 |
| Louisiana | 065400137 |
| Massachusetts | 021000021 |
| Michigan | 072000326 |
| Nevada | 322271627 |
| New Jersey | 021202337 |
| New York (downstate/NYC) | 021000021 |
| New York (upstate) | 022300173 |
| Ohio | 044000037 |
| Oklahoma | 103000648 |
| Oregon | 325070760 |
| Texas | 111000614 |
| Utah | 124001545 |
| Washington | 325070760 |
| Wisconsin | 075000019 |
For wire transfers, Chase may use a different routing number. Contact Chase directly or check the Chase routing number guide for wire-specific numbers.
Bank of America
Bank of America operates in all 50 states. Your routing number depends on the state where your account was opened.
| State | Routing Number |
|---|---|
| Alabama | 051000017 |
| Alaska | 051000017 |
| Arizona | 122101706 |
| Arkansas | 082000073 |
| California | 121000358 |
| Colorado | 123103716 |
| Connecticut | 011900254 |
| Delaware | 031202084 |
| District of Columbia | 054001204 |
| Florida | 063100277 |
| Georgia | 061000052 |
| Hawaii | 051000017 |
| Idaho | 123103716 |
| Illinois (northern) | 071000505 |
| Illinois (southern) | 081904808 |
| Indiana | 071214579 |
| Iowa | 073000176 |
| Kansas | 101100045 |
| Kentucky | 064000020 |
| Louisiana | 051000017 |
| Maine | 011200365 |
| Maryland | 052001633 |
| Massachusetts | 011000138 |
| Michigan | 072000805 |
| Minnesota | 071214579 |
| Mississippi | 051000017 |
| Missouri | 081000032 |
| Montana | 051000017 |
| Nebraska | 123103716 |
| Nevada | 122400724 |
| New Hampshire | 011400495 |
| New Jersey | 021200339 |
| New Mexico | 107000327 |
| New York | 021000322 |
| North Carolina | 053000196 |
| North Dakota | 051000017 |
| Ohio | 071214579 |
| Oklahoma | 103000017 |
| Oregon | 323070380 |
| Pennsylvania | 031202084 |
| Rhode Island | 011500010 |
| South Carolina | 053904483 |
| South Dakota | 051000017 |
| Tennessee | 064000020 |
| Texas | 111000025 |
| Utah | 123103716 |
| Vermont | 051000017 |
| Virginia | 051000017 |
| Washington | 125000024 |
| West Virginia | 051000017 |
| Wisconsin | 123103716 |
| Wyoming | 051000017 |
See the complete Bank of America routing number guide for wire transfer numbers and how to verify yours.
Wells Fargo
Wells Fargo operates in all 50 states with unique routing numbers for each. Like other large banks, the routing number you need is based on where you opened your account.
| State | Routing Number |
|---|---|
| Alabama | 062000080 |
| Alaska | 125200057 |
| Arizona | 122105278 |
| Arkansas | 111900659 |
| California | 121042882 |
| Colorado | 102000076 |
| Connecticut | 021101108 |
| Delaware | 031100869 |
| District of Columbia | 054001220 |
| Florida | 063107513 |
| Georgia | 061000227 |
| Hawaii | 121042882 |
| Idaho | 124103799 |
| Illinois | 071101307 |
| Indiana | 074900275 |
| Iowa | 073000228 |
| Kansas | 101089292 |
| Kentucky | 121042882 |
| Louisiana | 121042882 |
| Maine | 121042882 |
| Maryland | 055003201 |
| Massachusetts | 121042882 |
| Michigan | 091101455 |
| Minnesota | 091000019 |
| Mississippi | 062203751 |
| Missouri | 113105449 |
| Montana | 092905278 |
| Nebraska | 104000058 |
| Nevada | 321270742 |
| New Hampshire | 121042882 |
| New Jersey | 021200025 |
| New Mexico | 107002192 |
| New York | 026012881 |
| North Carolina | 053000219 |
| North Dakota | 091300010 |
| Ohio | 041215537 |
| Oklahoma | 121042882 |
| Oregon | 123006800 |
| Pennsylvania | 031000503 |
| Rhode Island | 121042882 |
| South Carolina | 053207766 |
| South Dakota | 091400046 |
| Tennessee | 064003768 |
| Texas | 111900659 |
| Texas (El Paso) | 112000066 |
| Utah | 124002971 |
| Vermont | 121042882 |
| Virginia | 051400549 |
| Washington | 125008547 |
| West Virginia | 121042882 |
| Wisconsin | 075911988 |
| Wyoming | 102301092 |
For detailed instructions on finding your Wells Fargo routing number, see the Wells Fargo routing number guide.
Citibank
Citibank (Citi) has physical branches in 12 states. Your routing number depends on the state where you bank.
| 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 |
Citi’s online banking and credit card payments may use a different routing number than branch banking. See the Citi routing number guide for details.
Capital One
Capital One primarily serves customers through online banking and a smaller physical branch network. Routing numbers vary by region and legacy account type.
| State/Region | Routing Number |
|---|---|
| Capital One 360 (online) | 031176110 |
| Connecticut | 221172186 |
| Delaware | 031176110 |
| Louisiana | 065000090 |
| Maryland | 051405515 |
| New Jersey | 021407912 |
| New York | 021407912 |
| Texas | 111901014 |
| Virginia | 051405515 |
| District of Columbia | 051405515 |
If you opened an account through Capital One 360 (online), you most likely use 031176110. Former ING Direct customers also use this number. See the Capital One routing number guide for more details.
PNC Bank
PNC Bank operates across the eastern and midwestern United States. Routing numbers differ by state.
| State | Routing Number |
|---|---|
| Alabama | 043000096 |
| Delaware | 031100089 |
| District of Columbia | 054000030 |
| Florida | 043000096 |
| Georgia | 043000096 |
| Illinois | 071921891 |
| Indiana | 043000096 |
| Kentucky | 083000108 |
| Maryland | 054000030 |
| Michigan | 041000124 |
| Missouri | 071921891 |
| New Jersey | 031207607 |
| New York | 021272655 |
| North Carolina | 043000096 |
| Ohio | 042000398 |
| Pennsylvania (Pittsburgh area) | 043000096 |
| Pennsylvania (Philadelphia area) | 031000053 |
| South Carolina | 043000096 |
| Virginia | 054000030 |
| West Virginia | 043000096 |
| Wisconsin | 071921891 |
PNC uses different routing numbers for ACH and wire transfers in some states. See the PNC routing number guide for specifics.
US Bank
US Bank is the fifth-largest bank in the US and operates primarily in the western and midwestern states. Each state has a unique routing number.
| State | Routing Number |
|---|---|
| Arizona | 122105155 |
| Arkansas | 082000549 |
| California | 122235821 |
| Colorado | 102000021 |
| Idaho | 123271978 |
| Illinois | 071904779 |
| Indiana | 074900783 |
| Iowa | 073000545 |
| Kansas | 101000187 |
| Kentucky | 042100175 |
| Minnesota | 091000022 |
| Missouri | 081000210 |
| Montana | 092900383 |
| Nebraska | 104000029 |
| Nevada | 121201694 |
| North Dakota | 091300023 |
| Ohio | 042000013 |
| Oregon | 123000220 |
| South Dakota | 091408501 |
| Tennessee | 064000059 |
| Utah | 124302150 |
| Washington | 125000105 |
| Wisconsin | 075000022 |
| Wyoming | 307070115 |
For the full breakdown, including wire transfer numbers, see the US Bank routing number guide.
TD Bank
TD Bank operates primarily along the East Coast, from Maine to Florida. Routing numbers vary by state and sometimes by region within a state.
| State | Routing Number |
|---|---|
| Connecticut | 011103093 |
| Delaware | 031201360 |
| District of Columbia | 054001725 |
| Florida | 067014822 |
| Maine | 211274450 |
| Maryland | 054001725 |
| Massachusetts | 211370545 |
| New Hampshire | 011400071 |
| New Jersey | 031201360 |
| New York (NYC Metro) | 026013673 |
| New York (upstate) | 021302567 |
| North Carolina | 053902197 |
| Pennsylvania | 036001808 |
| Rhode Island | 211370545 |
| South Carolina | 053902197 |
| Vermont | 011600033 |
| Virginia | 054001725 |
See the TD Bank routing number guide for more information on ACH vs. wire transfer numbers.
Truist
Truist was formed from the 2019 merger of BB&T and SunTrust. If you had an account with either legacy bank, your routing number may have changed. Verify your current number through the Truist app or website.
| State | Routing Number |
|---|---|
| Alabama | 062203984 |
| Arkansas | 082006726 |
| District of Columbia | 054001547 |
| Florida | 063104668 |
| Georgia | 061000104 |
| Indiana | 064000017 |
| Kentucky | 064000017 |
| Maryland | 055002707 |
| New Jersey | 021302668 |
| North Carolina | 053101561 |
| Ohio | 064208706 |
| Pennsylvania | 031309123 |
| South Carolina | 053100465 |
| Tennessee | 064000017 |
| Texas | 061000104 |
| Virginia | 051404260 |
| West Virginia | 051503394 |
The Truist routing number guide has details on legacy BB&T and SunTrust number transitions.
Ally Bank
As an online-only bank, Ally Bank uses a single routing number for all customers nationwide:
| Detail | Info |
|---|---|
| Routing number | 124003116 |
| Varies by state? | No |
| ACH and direct deposit | 124003116 |
| Wire transfers | 124003116 |
| Where to verify | Ally app → Account Details |
Ally Bank is headquartered in Utah, which is why its routing number begins with “12” (Federal Reserve District 12 — San Francisco). See the Ally Bank routing number guide for more details.
Navy Federal Credit Union
Navy Federal is the largest credit union in the US, serving military members, veterans, and their families. It uses one routing number for all members:
| Detail | Info |
|---|---|
| Routing number | 256074974 |
| Varies by state? | No |
| ACH and direct deposit | 256074974 |
| Wire transfers (domestic) | 256074974 |
| Where to verify | Navy Federal app → Account Summary |
See the Navy Federal routing number guide for international wire transfer instructions.
USAA
USAA serves military members, veterans, and their families. Like Navy Federal, USAA uses a single routing number:
| Detail | Info |
|---|---|
| Routing number | 314074269 |
| Varies by state? | No |
| ACH and direct deposit | 314074269 |
| Wire transfers (domestic) | 314074269 |
| Where to verify | USAA app → Account Details |
See the USAA routing number guide for more information.
Other Common Bank Routing Numbers
| Bank | Routing Number | Type |
|---|---|---|
| Discover Bank | 031100649 | Online bank |
| Marcus (Goldman Sachs) | 124085024 | Online bank |
| SoFi | 026073150 | Online bank |
| Chime | 031101279 or 103100195 | Online bank (varies by account) |
| Varo | 091311229 | Online bank |
| Charles Schwab | 121202211 | Brokerage bank |
| Fidelity | 101205681 | Brokerage bank |
Online banks and brokerage banks typically use one routing number for all customers. Verify through your app or online account before using.
When You Need Your Routing Number
| Transaction | Routing Number Required? |
|---|---|
| Direct deposit setup | ✅ Yes |
| Tax refund via direct deposit | ✅ Yes |
| Wire transfer (sending or receiving) | ✅ Yes |
| ACH payment / bill pay | ✅ Yes |
| Linking external bank accounts | ✅ Yes |
| Venmo / PayPal bank link | ✅ Yes |
| ATM withdrawal | ❌ No |
| Debit card purchase | ❌ No |
| Zelle transfer | ❌ No (uses email/phone) |
Most people need their routing number when setting up direct deposit with a new employer or filing taxes. If you’re linking accounts for transfers between different banks, you’ll need routing numbers for both institutions.
ACH vs. Wire Transfer Routing Numbers
Some banks use different routing numbers for ACH transactions and wire transfers. Using the wrong type can delay your transaction.
| Transaction Type | What It Is | Which Routing Number? |
|---|---|---|
| ACH transfer | Standard electronic transfer (1-3 business days) | ACH routing number (most common) |
| Direct deposit | Employer payroll deposit | ACH routing number |
| Domestic wire | Same-day electronic transfer | Wire routing number (may differ) |
| International wire | Cross-border transfer | SWIFT/BIC code (different system) |
When in doubt, call your bank and specify whether you need the ACH or wire routing number. The wrong number won’t steal your money, but it will delay the transaction.
How to Verify Any Routing Number
Before using a routing number for a large transfer, verify it through an official source:
| Method | Details |
|---|---|
| Bank’s mobile app | Most reliable — check Account Details or Settings |
| Online banking | Log in and look under Account Information |
| Bottom of your check | First 9 digits on the lower left |
| Call your bank | Customer service can confirm |
| ABA Routing Number Lookup | Official tool at routingnumber.aba.com |
| Bank’s website | Often listed in FAQ or Direct Deposit sections |
Never rely on routing numbers from unofficial websites, emails, or text messages. Always use your bank’s official channels.
Bottom Line
| Question | Answer |
|---|---|
| How many digits in a routing number? | Always 9 digits |
| Do routing numbers change? | Rarely — usually only after bank mergers |
| Is my routing number public? | Yes — routing numbers identify banks, not individuals |
| Can someone steal money with just a routing number? | No — they’d also need your account number |
| Best way to find yours? | Bank app or online banking |