What Is Wells Fargo’s Routing Number?

Last updated 04/16/2024 by

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Summary:

Learn how to locate your Wells Fargo routing number and comprehend its significance in diverse electronic banking operations. Explore the various routing numbers Wells Fargo employs across different states and find answers to common queries about Wells Fargo’s routing numbers.

Wells Fargo, a leading financial institution in the United States, is integral to the daily financial dealings of countless Americans. It is vital for both customers and the broader public to be informed about crucial banking details like routing numbers, which are pivotal for numerous financial transactions. Grasping the concept of these numbers is key to ensuring smooth and mistake-free processing of banking activities, underscoring the importance of financial knowledge in the modern era of digital banking.

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What is Wells Fargo’s routing number for wire transfers?

For Wells Fargo, the routing number for inbound wire transfers is consistent and does not vary by state. You should use the routing number 121000248 for all domestic wire transfers, along with your personal account number.

What is Wells Fargo routing number?

The Wells Fargo Routing Number is 121000248.

Why a bank might have multiple routing numbers

In the context of incoming wire transfers, a bank’s routing number remains consistent, regardless of whether the transaction is domestic or international. This routing number serves as a unique identifier for the bank, allowing the sending institution to route the funds to the correct destination. Think of it as the bank’s “address” within the broader financial network.

However, it’s important to note that banks may have multiple routing numbers for various purposes. While the primary routing number remains the same for incoming wire transfers, financial institutions may use different routing numbers for other transactions, such as ACH transfers or direct deposits. These different routing numbers help banks categorize and process various types of transactions efficiently.

Additionally, when you examine a physical check issued by a bank, you may notice that it includes a routing number that differs from the primary routing number used for wire transfers. This is because checks often have region-specific or branch-specific routing numbers. These state or branch-specific routing numbers help in routing checks to the correct local branch for processing. This practice allows banks to streamline their check-clearing processes and ensure that funds reach the correct accounts promptly.

Wells Fargo routing numbers: United States

For electronic banking transactions in the U.S., a routing number is required. Wells Fargo has different routing numbers for different states. Keep reading to learn more.

International wire transfers

For international wire transfers, you’ll need to use a SWIFT code instead of a routing number. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. Wells Fargo’s SWIFT Code is WFBIUS6S.

What is Wells Fargo SWIFT code?

Wells Fargo’s SWIFT Code is WFBIUS6S.

What is a routing number?

The concept of routing numbers in the United States dates back to 1910, introduced by the American Bankers Association (ABA). This initiative aimed to address the confusion prevalent in the processing of checks at that time. The ABA organized a meeting of clearing house managers in Chicago in December 1910, which led to the formation of a committee tasked with assigning unique numbers to each bank in the country. These routing numbers provided a precise identification for banks, akin to a street address or an IP address.

The importance of routing numbers is twofold

Identification of Financial Institutions

Routing numbers act as unique identifiers for financial institutions. This role became increasingly important with the rise of paper check processing. The use of routing numbers made it simpler to identify which banks were issuing payments on checks, streamlining the transaction process.

Facilitating Payment and Clearing Processes

The routing number system played a crucial role in ensuring accurate and efficient financial transactions. It enabled banks to correctly pay patrons on behalf of check-writers. If a check was unfulfillable, the routing number guided the involved parties to the appropriate bank for payment resolution. This improved the efficiency and accuracy of financial transactions, especially when paper checks were the primary non-cash payment method.

Routing numbers and what they mean

Bank routing numbers consist of a nine-digit sequence and are commonly located at the base of personal checks. Each digit within this code carries a specific significance in identifying financial institutions and their locations. This numerical string facilitates the accurate processing and clearance of financial transactions.

First two digits	Identify the bank or credit union responsible for clearing financial transactions
Next two digits	Represent the bank’s processing center and its location
Next four digits	Serve to identify your bank
Last digit	Acts as the check digit, verifying the routing number’s validity

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Wells Fargo routing number

Not all Wells Fargo routing numbers are identical — the specific number used can vary based on the type of transaction being conducted. Whether you’re setting up a wire transfer, managing bill payments, or engaging in other types of banking transactions, it’s crucial to use the correct Wells Fargo routing number tailored to your specific needs.

Wells Fargo routing numbers by state

Wells Fargo assigns different routing numbers for each state. This system is used for various banking transactions, including setting up direct deposits and processing checks. The routing numbers vary depending on the state where the account was opened. Here are some examples of Wells Fargo routing numbers by state:

State	Routing Number	State	Routing Number
Alabama	062000080	Alaska	125200057
Arizona	122105278	Arkansas	111900659
California	121042882	Colorado	102000076
Connecticut	021101108	Delaware	031100869
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
Washington, D.C.	054001220	West Virginia	121042882
Wisconsin	075911988	Wyoming	102301092

The importance of understanding routing numbers in digital banking:

As we delve into the specifics of Wells Fargo’s routing numbers, it’s crucial to acknowledge the broader context of banking in the digital age. Edward Kendy, CEO and Editor in Chief at Best Online Forex Broker, articulates this evolution: “The environment of financial transactions has changed dramatically in recent years, owing largely to technological improvements. The introduction of online banking, mobile payment platforms, and digital wallets has transformed the way people manage their finances. Not only have these technologies made transactions more efficient and accessible, but they have also added new layers of security and transparency. Individuals looking for a bank’s routing number can usually find it on their bank’s website, through online banking platforms, or by contacting customer care. It’s worth noting that different sorts of transactions, such as ACH transfers and wire transfers, may require distinct routing numbers to ensure accurate routing of funds through the financial system’s convoluted network.”

How to find your Wells Fargo Bank routing number

Finding your Wells Fargo Bank routing number is a straightforward process, and there are several ways to do it. This number is essential for various banking transactions, such as setting up direct deposits, automatic payments, and wire transfers. Here’s how you can locate your Wells Fargo routing number:

Check Your Checkbook: The routing number is typically the nine-digit code located on the bottom left corner of your checks.
Online Banking or Mobile App: Log into your Wells Fargo online banking account or use the Wells Fargo mobile app. The routing number is usually displayed on your account summary page.
Wells Fargo Website: Use the routing number lookup tool on the Wells Fargo website. This is particularly helpful if you remember the state where you opened your account.
Monthly Bank Statements: Your monthly bank statements often list the routing number on the first page.
Contact Customer Service: If you’re still unable to find your routing number, contacting Wells Fargo customer service is a reliable method. Be prepared to verify your identity for security purposes.

Remember, using the correct routing number is vital for ensuring smooth and error-free banking transactions.

FAQ

What is Wells Fargo Active Cash Card?

The Wells Fargo Active Cash Card is a credit card offering from Wells Fargo that provides a simple yet rewarding cash back program. Cardholders earn a flat rate of 2% cash rewards on purchases, making it an attractive option for those who prefer straightforward reward structures. Additionally, this card often comes with introductory offers such as a 0% APR period and a welcome cash bonus, subject to certain conditions.

What is Wells Fargo’s Main Office Address?

Wells Fargo’s main office is located at 420 Montgomery Street, San Francisco, California, 94104, USA. This address serves as the corporate headquarters of Wells Fargo & Company, one of the largest financial services companies in the United States. The headquarters is a central hub for the bank’s administrative and executive activities, playing a crucial role in its nationwide operations.

What is Wells Fargo Clear Access Banking?

Wells Fargo Clear Access Banking is a checkless bank account designed primarily for customers who want to manage their money electronically. This account type offers features like no overdraft fees and a low monthly service fee, which can be waived for eligible customers, such as young adults aged 13 to 24. It’s tailored for those who prefer digital banking solutions, providing access to online and mobile banking, along with Wells Fargo’s extensive ATM network.

Key takeaways

Routing numbers are crucial for identifying financial institutions and ensuring the accurate processing of transactions.
Wells Fargo provides different routing numbers for each state to facilitate various banking transactions.
Each digit in a nine-digit routing number has a specific significance, aiding in the identification of financial institutions and transaction locations.
Wells Fargo, like other large banks, may have multiple routing numbers due to its national presence and operational needs.

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