The banking industry relies heavily on routing numbers. While transferring and receiving money between banks, they assist in identifying the precise financial institution to whom the funds are being sent or received. For instance, Fedwire transfers are processed by the banks of the Federal Reserve using routing numbers. They are also required to execute electronic funds transfers such debit/credit card or check transactions by the National Automated Clearing House (ACH) network.
As a result, if you have a Wells Fargo account, you must be aware of your Wells Fargo routing number, which includes:
- ACH transfers, or setting up direct deposits, can be sent or received.
- Bill payments
- Receiving tax refunds
- wire transfers both domestically and internationally
You can guarantee that your payment will be received safely by using the right Wells Fargo routing number.
Describe Wells Fargo.?
The fourth-largest bank in the US, Wells Fargo was founded in 1852 and has adhered to a straightforward mission statement: to meet customers’ financial needs and assist them in becoming financially successful.
Over the last 160 years, the company has grown to become a reputable name in the banking industry as the largest mortgage and auto lender in the US, with about 10% of small businesses using its financial services. , one out of three Americans bank with it and has over 70 million customers across the US.
Wells Fargo has about 7,200 locations and over 13,000 ATMs throughout the US; some locations have ATMs that can give out $10. Even if you can’t find ATMs nearby that give out $5 or $1, you are pretty sure to find a Wells Fargo ATM nearby. Wells Fargo has international operations in more than 31 countries worldwide.
The foundation of its financial transactions is the Wells Fargo routing number. Large banks like Wells Fargo use different routing numbers for its branches in different states, unlike tiny or internet banks that only have one. Knowing the correct Wells Fargo routing number can be difficult if you have moved from one state to another.
What Is A Routing Number?
- What Is A Routing Number?
- What Are Routing Numbers Used For?
- What are the Wells Fargo Routing Numbers by State?
- Why Does Wells Fargo Have Different Routing Numbers?
- How To Find a Bank Routing Number for Wells Fargo?
- How To Find Wells Fargo Routing Number on Check?
- How To Find Your Wells Fargo Routing Number Online?
- How To Get Routing Number on Wells Fargo App?
- How Do You Contact Wells Fargo For Your Routing or Wire Number?
- What is the Wells Fargo Domestic Wire Routing Number?
- What’s the Wells Fargo International Wire Transfer Routing Number?
- What Information is Needed For a Wire Transfer at Wells Fargo?
- How Long Does A Wire Transfer Take Wells Fargo?
- How Much Does Wells Fargo Charge For A Wire Transfer?
- Which Wells Fargo Routing Number Should You Use?
- What Can Someone Do With Your Bank Account and Routing Number?
- Wells Fargo Routing Number Summary
- Tips to Protect Your Routing Number and Sensitive Banking Information
The routing number and the account number are the two primary identifiers for every financial transaction. While the account number identifies the customer, the routing number identifies the bank where the customer has an account.
A nine-digit code called a routing number is used to identify particular financial institutions in the US. An ABA routing transit number, or ABA RTN, is another name for a routing number. Routing numbers were developed by the American Bankers Association (ABA) to make it easier to process paper checks and move money between banks, credit unions, fintech companies, and other financial institutions.
Money can be transferred and received between banks with accuracy because each bank has a distinct routing number. The routing number identifies the bank from which a transaction is being made as well as the destination of the funds. The money will therefore be sent or received at the incorrect financial institution or branch if the incorrect routing number is used.
One routing number will be used by small or online banks. Large banks like Wells Fargo, however, have various routing numbers for the various states in which they conduct business. You must understand how to check the Wells Fargo routing number for this reason.
Based on the state in which you first opened your account, your routing number was generated.
It’s essential to check and confirm your Wells Fargo routing number before authorizing any domestic ACH transfers or domestic/international wire transfers. Using the wrong Wells Fargo check routing number will result in a failed transaction, or your money will end up in the wrong place. The wrong routing number and account number has resulted in six figures, seven figures, and even a recent !
Routing Number vs Account Number
Your checking account is linked to a number of numbers. Therefore, there’s a chance that you might mix them all. The Account Number and the Routing Number are the two numbers you need to remember the most.
The following will help you tell them apart:
The routing number, which has nine digits, is what’s used to identify the bank that maintains your account, as was mentioned above.
Routing numbers frequently serve as indicators because they show your financial institution’s account with the Federal Reserve and confirm that the financial institution you choose is federally or state-chartered. It’s odd that these routing numbers are only available in the USA.
An account number, as opposed to a routing number, serves to distinguish your particular account from the thousands of other accounts held by the same financial organization. Your account’s type and the institution both influence how long your account number should be.
It’s important to remember that even if you have two checking accounts at the same financial institution, the account numbers will differ even if the routing numbers would be the same.
What Are Routing Numbers Used For?
You might believe that while ABA routing numbers are used to speed up check processing and money transfers between banking institutions, they have nothing to do with you.
In actuality, you’ll require your Wells Fargo routing number for a lot of banking operations, such as:
- Set up direct deposit and automated bill payment
- establishing a connection with a financial app
- Have money deposited into your account, including salary, tax refunds, and pension payments.
- Send a wire transfer to a US person.
- ACH payments within the US, ie hotel reservation without a credit card
- International and domestic wire transfers
- Moving money between accounts at various banks or investment companies
A common use of transferring money is rolling over 401ks, rebalancing investment accounts, paying for business transactions, or buying assets that generate income.
What are the Wells Fargo Routing Numbers by State?
Due to earlier acquisitions, Wells Fargo has a lot of routing numbers. The ABA routing number 121042882 is used in a variety of places, including Kentucky, California, Maine, Hawaii, Puerto Rico, Louisiana, and American Forces overseas, as you can see in the chart below.
|State (Or Territory)||Routing Number|
|District of Columbia||054001220|
|Texas – El Paso||112000066|
|North Mariana Islands||121042882|
|American Forces Abroad||121042882|
Why Does Wells Fargo Have Different Routing Numbers?
Wells Fargo is a multinational bank. As we have already mentioned, Well Fargo has grown from its humble beginnings in the 1800s to over 7,200 locations and over 13,000 ATMs in the US and has a presence in over 31 countries worldwide. The that had their own financial infrastructure in place to grow this large.
Well Fargo has accumulated a number of financial institutions throughout the years, including Norwest Corp, Wachovia, Brownsville, Michigan Financial Institutions, National Bank of Alaska, First Security Companies, Placer Sierra Bank, and many others, through mergers and acquisitions.
Following the acquisition, the banks continue to use their routing numbers as part of their financial infrastructure. Each purchase builds upon the infrastructure that Wells Fargo already has. Wells Fargo has a lot of route numbers for this reason.
It’s also the main cause of the widespread use of the same Wells Fargo ABA routing number throughout numerous states. For instance, Puerto Rico, California, Kentucky, Maine, Louisiana, and American Forces Overseas are among the states that utilize the routing number 121042882.
When purchased, a bank with the same routing number in various states was probably just one bank. Hence, by connecting Wells Fargo’s mergers and acquisitions to their ABA routing numbers, you can do so with ease.
How To Find a Bank Routing Number for Wells Fargo?
Your Wells Fargo ABA routing number by state can be found in the article. Your States Wells Fargo bank routing number can be found in the table above. But if you can’t find it there, there are other ways to locate your Wells Fargo bank routing number, such as:
- On your check or monthly statement, in the bottom-left corner.
- making a bank customer service phone call
- utilizes the Wells Fargo website or mobile app
- Browse the list of Federal Reserve Banks.
How To Find Wells Fargo Routing Number on Check?
Your Wells Fargo bank checks will have your Wells Fargo ABA routing number and account number at the bottom. Most banks provide new account holders with at least one free checkbook. The routing number, your account number, and the check number are printed on the MICR line, which is located at the bottom of your check.
What number appears as the check’s routing number? The check’s routing number can be seen in the screenshot below.
The first nine digits displayed on the bottom left of your Wells Fargo check are the routing number. When you open an account, you are given a routing number and an account number. As a result, the Wells Fargo location where you first established your account is associated with your routing number.
The number in the bottom right corner of your check is the check number, which helps you keep track of all payments. Your account number is the number in the bottom center, just to the right of the routing number.
Your Wells Fargo ABA RTN and account number can also be found on any monthly statements that your bank sends you.
If you find it difficult to determine which portion of the check is the routing number, double-check the information with our table of routing numbers above, get in touch with Wells Fargo customer service, or look up the routing number in the ABA directory.
How To Find Your Wells Fargo Routing Number Online?
Nobody gets a personal physical examination. If you don’t have a personal check, another alternative is to find your Wells Fargo routing number online. How can I locate the Wells Fargo routing number online?
The majority of banks will post their ABA routing numbers on their websites because they aren’t supposed to be kept a secret. You may access all of your Wells Fargo account information, including the routing number, by logging into your Wells Fargo online account. Once you’ve entered into your account, you may also try looking for routing number in the search box at the top of the screen.
You can also search for Wells Fargo routing numbers online via the by name, state or state, and city.
Use the routing number to look for a financial institution’s name, as seen in the screenshot below.
How To Get Routing Number on Wells Fargo App?
If you don’t Obtain no cost or inexpensive home internet access., you may not be able to access your Wells Fargo account details online. Luckily, mobile banking has made it easier than ever to access our banking info on the go. If you have a smartphone, you can check the routing number on the Wells Fargo app.
First, you’ll need to phone. Finding the routing number on the Wells Fargo app is easy.
Here’s how to use a smartphone app to locate the correct Wells Fargo routing number:
- Using the Wells app to log into your account.
- to select your bank account.
- Choose “Display more details”
- Toggle to Routing numbers.
You’ll notice the proper ABA routing number and SWIFT code to use for domestic and international wire transfers, electronic payments, and direct deposits.
How Do You Contact Wells Fargo For Your Routing or Wire Number?
One last sure alternative is to call Wells Fargo customer care for your Wells Fargo ABA routing number if none of the aforementioned options work for you.
Here are the two ways to get in touch with a Wells Fargo customer service agent:
- Via a online form: Enter your account type and state in the form’s text box to instantly receive your routing number. For example, I discovered that my Wells Fargo routing number for the state of Illinois is 071101307 by using
- Ask a customer service agent: Use this option if you don’t have a check or can’t remember which state you started your Wells Fargo account in the first place. Call Wells Fargo at 1-800-869-3557 and ask for a customer service agent to give you your ABA routing number. Wells Fargo is known for having exceptional customer service, and they are ready around-the-clock to assist you.
What is the Wells Fargo Domestic Wire Routing Number?
For domestic transfers made through Wells Fargo, the Fedwire routing number is 121000248. Any of the aforementioned techniques for discovering Wells Fargo ABA routing numbers will help you locate it. The Wells Fargo website’s straightforward form seems to be the simplest method to proceed.
The screenshot that follows demonstrates my approach. For a domestic wire transfer, only submit a routing number request.
The ABA routing numbers used for Automated Clearing House (ACH) transfers are distinct from the routing numbers used for wire transfers. There are only two routing numbers for wire transfers: one routing number for domestic wire transfers and one SWIFT code for international wire transfers, in contrast to ACH ABA routing numbers that differ by state and financial institution.
The fact that wire transfers are quicker and more secure than ACH transactions is one of their benefits. A few hours or even a few minutes can pass before funds are made available. Wire transfers take happen directly between banks, as opposed to ACH transfers which are handled by third-party clearinghouses; each bank certifies the transaction before it clears.
But wire services aren’t free. Banks will charge you anywhere between to send and receive wire transfers. Due to the added cost, wire transfers are best used for urgent or emergency transfers or large purchases that involve a lump sum. Otherwise, opt for ACH transfers which are usually free and sufficient for everyday transactions.
That’s how you slash transaction costs as one of the 10 ways to save $10,000 annually!
What’s the Wells Fargo International Wire Transfer Routing Number?
The international wire transfer routing number for Wells Fargo is WFBIUS6S. It appears to be a route number, doesn’t it? It’s because financial institutions all across the world may be located using SWIFT codes.
Instead of using a routing number to conduct international transfers, you’ll need the Wells Fargo SWIFT code for sending or receiving wire transfers outside of the United States.
You can obtain it by phoning your bank directly or completing the form on the Wells Fargo website for wire transactions outside of the United States, as indicated below.
When receiving money from someone outside of the US, you’ll need to give your bank additional account information in addition to the SWIFT code, such as your account number and full name as it appears on the account. The same rules apply when sending a wire transfer to an international recipient. To get the funds, they will have to enter their bank routing number, account number, and account name.
What Information is Needed For a Wire Transfer at Wells Fargo?
For domestic wire transfers to and from the US, there is only one Wells Fargo routing number, and for international wire transfers to and from the US, there is only one SWIFT code.
What additional information is required at Wells Fargo in order to submit or receive a wire transfer?
You can send and receive wire transfers at Wells Fargo using the information below:
- Your bank name
- Your bank address
- The number of your Wells Fargo account
- Number of the beneficiary’s account
- Name of the beneficiary and account number
- The bank address for the beneficiary
Once this information is given, you are prepared to accept or send wire transfers both inside and outside the US.
Prior to sending a wire transfer, take the time to verify all the information with the recipient or your bank. In particular, the routing and account numbers bear this out. If you make a mistake, the money will either go to the incorrect recipient or financial institution.
Due to delays and the related costs of reversing and resending the cash, incorrect wire transfers can be expensive in terms of both time and money.
Giving the person sending you money a cancelled check is a excellent approach to assure flawless transfers. To prevent costly errors, the majority of businesses or HR departments require a voided check when setting up your direct deposit. They can then use the MICR line on your checks to obtain your routing number and account number.
How Long Does A Wire Transfer Take Wells Fargo?
Using Wells Fargo’s online wire transfer service or the Wells Fargo mobile app, you can send wire transfers to more than 200 countries around the world.
Wells Fargo requires 1-3 business days or only a few days to clear domestic and international wire transfers. While international transfers may clear the same day or within a couple of business days, most domestic transfers clear the same day.
For instance, domestic and international wire transfers sent before 2:00 p.m. Pacific Time are frequently processed the same day, whereas wires sent after 2:00 p.m. Pacific Time are typically processed the next business day.
How Much Does Wells Fargo Charge For A Wire Transfer?
Whether a wire transfer is incoming or outgoing determines how much Wells Fargo will charge. Wells Fargo wire transfer fees are typically made clear when you input a wire transfer.
The following Wells Fargo wire transfer costs are typical and include:
- $15 for incoming domestic wire
- Domestic Wire Outgoing: $30
- Foreign Wire Amount Received: $16
- Fees are made clear once you input a wire transfer for an outgoing international transaction.
Nevertheless, Wells Fargo waives wire transfer fees when money is sent from approved accounts. For instance, Team Member Checking wires are free of charge. Customers using Wells Fargo Zelle are currently exempt from fees.
Which Wells Fargo Routing Number Should You Use?
Whether you are sending domestic or international wire transfers or ACH transfers, the Wells Fargo routing number you utilize will vary.
Depending on how and where you wish to send or receive money, the appropriate Wells Fargo routing number is listed below:
- Use the Wells Fargo ABA routing number from the state where you first opened your account for domestic ACH transfers. For setting up direct deposits, bill payments, or tax refunds, use ACH transfers. To find the Wells Fargo routing number for your state, refer to our guide above.
- Use the Wells Fargo domestic wire transfer routing number 121000248 when sending domestic wire transfers.
- The Wells Fargo SWIFT code for international wire transfers is WFBIUS6S.
What Can Someone Do With Your Bank Account and Routing Number?
The essential pieces of information required to start or finish domestic and international transfers, add funds to your account, make online purchases, set up direct deposit, and pay bills using your checking account are your routing number and account number.
While account numbers are kept a secret from other customers, routing numbers are available to all clients. Giving up a routing number on its own is not a big concern, but doing so along with your account number puts your bank account at risk. What happens if they decide to turn that crucial information against you?
What someone who has your account number and routing number can do is as follows:
- Give you money: In order to transfer payroll payments to your account number, someone will need both your account number and routing number, such as your employer. The positive aspect is that.
- Conduct ACH Fraud: The main danger is fraud. Your account number and routing number can be used by a third party to initiate ACH transfers and bill payments from your account. That implies that they have the authority to withdraw money from your account or pay bills using your account without your permission.
- Create Fraudulent checks: A fraudster can use your bank account number and routing number to order fake checks and use them against you. They can Checks can be cashed in liquor stores. or any more locations that cash checks or use them to pay for purchases.
- Remove money from your account: They can do this by writing fake checks or committing ACH fraud.
Thus, you should only give your Wells Fargo ABA routing number and account number to trusted parties. Consider using a prepaid card like American Express cards that are active when paying for purchases online. You can also use your Chipped credit/debit cards securely by connecting them to your PayPal account so that you won’t have to give your banking details to every online vendor.
Wells Fargo Routing Number Summary
As one of the biggest banks in the US and elsewhere, Wells Fargo has a number of ABA routing numbers that differ from state to state. Your Wells Fargo ABA routing number, which is crucial when sending/receiving ACH transactions within the United States, is based on the state where you first created your account. For domestic wire transfers and international wire transfers to and from the US, there is only one routing number, unlike the ABA routing numbers.
To locate your Wells Fargo ABA routing number, use the table of ABA routing numbers by state above. If not, you can look up your ABA number online via the Wells Fargo website, the Federal Reserve e-payment directory, or by calling a Wells Fargo customer service agent.
Always double check your routing number with your bank or the intended receiver to be sure your funds are delivered to the correct financial institution. You may avoid needless costs and delays in the future.
Tips to Protect Your Routing Number and Sensitive Banking Information
There are several precautions one may take to boost security even though there is no surefire way to keep personal information safe online.
Here are some pointers for protecting your private and sensitive bank information:
Only while someone has access to both your routing number and account number is your money secure in your account. This is so that the thief can benefit by having access to your bank account with the help of both of these numbers. Then, without your permission, they can take money out, pay their own debts, or even open a new account with your funds.
Consequently, don’t provide someone you don’t trust your bank information. Additionally, avoid discussing these matters on the phone, especially in public settings where others can overhear you.
Your account may be compromised if cheques or a physical copy of your bank records are disposed of carelessly. This is due to the fact that your checks include sensitive information like your account number and routing number along with your name and address. This gives the con artist a chance to steal someone else’s identity.
As a precaution, it is advised that you shred all check cancellations. This virtually eliminates the possibility that someone may look through your information, create fake checks using your name, and pass them.
Although it’s feasible for someone to discover your bank’s ABA routing number, your account number isn’t considered to be a piece of open data. It is crucial that you do not share it on any social networking website.
Also, it is not a good idea to provide your bank account information over the phone, through text or chat, through photos, or even via email. It’s understandable that sometimes it becomes impossible to prevent, but this shouldn’t happen frequently. Use apps with end-to-end encryption when faced with a circumstance like this. These programs can stop data from being read or changed.
Always use a secure connection if your electronic devices, such as your laptop or phone, have your bank account information stored on them. Your internet connection is therefore private as a result. While emailing sensitive information, using WiFi, such as that aboard a aircraft, isn’t the ideal option.