Want to easily send or receive money? Knowing your Wells Fargo Routing Number is essential. It’s like a special code that ensures your money goes to the right place. Finding it is easy! Learn different ways to find your Wells Fargo Routing Number and simplify your banking.
What Is a Routing Number?
A routing number serves as a unique nine-digit identification code for financial institutions in the U.S. This number is essential when setting up direct deposit, paying bills online, or sending money to friends and family.
It’s different from your account number, which is unique to you and tells the bank which account to take the money from or deposit it into.
Like other big banks, Wells Fargo has varying routing numbers that depend on the account opening location and the type of transaction you’re making. For example, the routing number for a checking account in Mississippi might differ from one in Texas.
Plus, if you’re sending a wire transfer, Wells Fargo uses a different routing number than the one you’d use for setting up direct deposit. The correct routing number ensures your money goes to the right place.
ACH/Bank-To-Bank Transfers
Automated Clearing House (AHC) transfers can move money between banks without the usual need for credit card networks, cash, paper checks, or wire transfers. They are an electronic fund transfer system governed by the National Automated Clearing House Association (NACHA).
Bank transfers are used for all sorts of financial transactions, such as direct deposit of paychecks, monthly bill payments, and transferring money between different bank accounts.
One of the biggest perks of ACH transfers is that they are often less expensive and faster than traditional methods like wire transfers, but they take a couple of days to process and think before any urgent transactions with this method.
Using the right routing number is crucial for ACH transfers to work correctly. Using the wrong routing number can send your money to the wrong place, which can be a hassle to correct.
It’s like sending a letter with the wrong zip code—it won’t reach the intended destination without the correct information.
Wells Fargo Routing Number for ACH Transfers
For a big bank like Wells Fargo, routing numbers can differ from state to state. So, instead of having just one routing number for the whole country, Wells Fargo has many to cover all the different places it operates. It’s kind of like how each state has its license plate.
If you’re doing an ACH transfer with Wells Fargo, you must use the correct routing number to ensure your money hits the right spot. It’s important to note that the routing number is based on the original account opening location rather than where you live.
So, if you moved from Florida to New York, your routing number for your old Wells Fargo account will still be the one from Florida. Here’s a quick list of Wells Fargo routing numbers by state to help you out:
| State | Routing Number |
| Alaska | 125200057 |
| Alabama | 062000080 |
| 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 |
| American Samoa | 121042882 |
| North Mariana Islands | 121042882 |
| Puerto Rico | 121042882 |
| Virgin Islands | 121042882 |
| American Forces Abroad | 121042882 |
How To Find Your Wells Fargo Routing Number
1. On the Check
You’ll see many numbers at the bottom of a Wells Fargo check. This is called the MICR line. There are three sets of numbers down there. The first set on the left is your routing number, and it’s always nine digits long.
Your account number is next, followed by the number of your check. If you just opened an account, Wells Fargo usually gives you a checkbook for free, and that’s where you can find these numbers.
2. On Your Monthly Statement
Your routing number is usually at the top of the page when you get your monthly statement from Wells Fargo, either in the mail or online.
3. Check the Wells Fargo Website
By visiting the official Wells Fargo website, finding your Wells Fargo routing number is a breeze. Open the Wells Fargo app on your phone and follow these steps:
- Log in with your username and password.
- Pick the account for which you need the routing number.
- Hit the “Show more detail” button to get into the nitty-gritty of your account.
- Tap “Routing numbers,” and there you have it – your routing number will pop up.
It will give you the digits to set up direct deposit, send money to someone in the U.S., or move money around electronically. You’ll use a different SWIFT code if you’re sending money overseas.
4. On the Wells Fargo Mobile App
You can also find your routing number using the Wells Fargo app on your phone. Log in, tap on your account, and then look for the details or settings area.
5. Through Customer Service
You can always call Wells Fargo’s customer service if you’re unsure or can’t find your routing number. They’re there to help you out. Just make sure you have your account info ready when you call.
6. E-Payments Routing Directory of the Federal Reserve Banks
This is a bit more technical. Still, you can also look up your routing number on the Federal Reserve Banks’s Payments Routing Directory online. It’s a database with all the routing numbers for banks in the U.S.
Routing Numbers for Wire Transfers
Wire transfers are a faster method of sending money than a regular bank transfer, often used for domestic and international transactions. Unlike ACH transfers, which are batch-processed, wire transfers are sent individually and can be processed on the same day.
Advantages, Usage, and Fees
They’re typically used for large, significant transactions, like buying a home or sending a large amount of money to someone in another country. The main advantages of wire transfers are speed and security, as the funds can be available within hours.
However, they come with higher fees—sending a wire transfer can cost you around $30 for domestic and international transfers. For Wells Fargo customers, wire transfers require different routing numbers than regular ACH transfers.
Domestic Wires vs International Wires
There’s one routing number for domestic wires and another for international wires. For domestic wire transfers, the Wells Fargo routing number is 121000248. For international wires, you’ll need the SWIFT code, which is WFBIU, for international wiresS6S.
These numbers ensure your money reaches the correct destination without delays. Wire transfers are almost irreversible once sent, so double-check all the details before transferring.
Tips on Keeping Your Banking Information Safe
- Don’t share your bank info, like your account or routing number, unless you have to. And only with people or companies you trust.
- Use tough-to-guess passwords for your online banking. Use numbers, different capitalizations, and special characters to make an ironclad password.
- If you get an email asking for your bank details, don’t click on any links or reply. Banks don’t ask for your info this way.
- Do you have old bank statements or papers with your account info? Shred them before you throw them out.
- Check your bank account regularly. If something looks off, call your bank as soon as possible.
- Avoid checking your bank account on public Wi-Fi. It’s not always secure, and someone could peek at your info.
- Keep your phone, computer, and apps updated. Those updates can fix security holes that might let hackers in.
Frequently Asked Questions – Well Fargo Routing Number
How Do I Find My Wells Fargo Routing Code?
There are multiple ways to find your Wells Fargo routing numbers, including seeing your check, visiting the Wells Fargo website or app, through the E-Payments Routing Directory of the Federal Reserve Banks, or your monthly statement.
What Is Wells Fargo International Money Transfer Routing Number?
For international wires, you don’t use a routing number. Instead, you’ll need Wells Fargo’s SWIFT code, WFBIUS6S.
What Is the Difference Between a Routing Number and an Account Number?
Your routing number is like the bank’s address for money transfers, and it’s the same for anyone banking with Wells Fargo in your area. Your account number is your ID that tells the bank which account to take money from or send money to.
What Address Do I Use for Wells Fargo Wire Transfer?
Use the address of Wells Fargo’s main office for wire transfers: 420 Montgomery Street, San Francisco, CA 94104.
Conclusion – Wells Fargo Routing Number
Discovering your Wells Fargo routing number is crucial for smooth financial transactions. Whether checking online, referring to your checks, or contacting customer service, accessing this vital number ensures seamless banking operations.
Stay informed and empowered in managing your finances by keeping your routing number handy for all transactions.
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Founder of Spark Nomad, Radical FIRE, Journalist
Expertise: Personal finance and travel content
Education: Bachelor of Economics at Radboud University, Master in Finance at Radboud University, Minor in Economics at Chapman University.
Over 200 articles, essays, and short stories published across the web.
Experience: Marjolein Dilven is a journalist and founder of Radical FIRE, a personal finance platform, and Spark Nomad, a travel platform. Marjolein has a finance and economics background with a master’s in Finance. She has quit her job to travel the world, documenting her travels on Spark Nomad to help people plan their travels. Marjolein Dilven has written for publications like MSN, Associated Press, CNBC, Town News syndicate, and more.