What is my Wells Fargo Routing Number on a Check, Online, App? [year] Guide

In the financial industry, routing numbers are extremely important. When sending and receiving money between banks, they assist in identifying the specific financial institution from which money is coming or going. Routing numbers are used by the Federal Reserve banks to conduct Fedwire transfers, for example. At the same time, they are required to conduct electronic funds transfers such as debit/credit card or check transactions by the National Automated Clearing House (ACH network).

If you have a Wells Fargo account, you will need to know your Wells Fargo routing number, which includes the following information:

  • Setting up direct deposits by sending or receiving ACH transfers
  • Bill payments
  • Receiving tax refunds
  • Wire transfers both domestically and internationally

You can ensure that your payment arrives safely by using the correct Wells Fargo routing number.

Wells Fargo is a financial services firm based in the United States.?

Wells Fargo is the fourth-largest bank in the United States, having been formed in 1852. Since its inception during the gold rush days, Wells Fargo has believed in a simple vision: to meet customers’ financial requirements and help them achieve financially.

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 give out $10.  Even if you can’t find ATMs in your region that dispense $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.

Wells Fargo’s routing number is at the heart of all of the bank’s financial transactions. Large banks, such as Wells Fargo, have different routing numbers for their branches in different states, unlike small or online banks that only have one. Knowing the correct Wells Fargo routing number can be difficult if you’ve moved from state to state.

What Is A Routing Number?

The routing number and the account number are two crucial identifiers for every financial transaction. The account number identifies the customer, while the routing number identifies the bank where the customer has an account.

A routing number is a nine-digit code that is used in the United States to identify certain financial institutions. 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 help with the processing of paper checks and the smooth transfer of cash between banks, credit unions, fintech companies, and other financial institutions.

Funds may be reliably delivered and received between banks because each bank has its own routing number. The routing number identifies the bank from which a financial transaction originates and the destination of the funds. If you use the incorrect routing number, your funds will be routed or received at the incorrect financial institution or branch.

There will only be one routing number for small or online banks. Large banks, on the other hand, such as Wells Fargo, have many routing numbers for the various locations in which they operate from state to state. That’s why you’ll need to know how to check Wells Fargo’s routing number.

The state where you first opened your account determines your routing number.

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

There are multiple numbers associated with your checking account. As a result, there’s a good chance you’ll mix them all up. The following are the most important numbers to remember: (a) Account Number and (b) Routing Number.

Here’s how you can tell them apart:

Routing Number

The routing number is a nine-digit number that identifies the bank that maintains your account, as previously stated.

Routing numbers serve as an indicator since they show your financial institution’s account with the Federal Reserve and guarantee that the financial institution you choose is chartered at the federal or state level. Surprisingly, such routing numbers are only available in the United States.

Account Number

An account number, unlike a routing number, serves as a unique identification for your account amid thousands of others at the same financial institution. Your account number’s length is determined by the nature of your account and the institution.

It’s worth noting that if you have two checking accounts with the same financial institution, the routing numbers will be identical, but the account numbers will be different.

What Are Routing Numbers Used For?

While ABA routing numbers are used to simplify check processing and fund transfers between banking institutions, you might think they have nothing to do with you.

In fact, your Wells Fargo routing number will be required for a variety of banking operations, including:

  • Set up direct deposit and automatic bill payment.
  • Using a financial app to link your account
  • Have salary, tax refunds, and pension payments posted into your account.
  • Make a wire transfer to a person in the United States.
  • ACH payments within the US, ie How make a hotel reservation without using a credit card
  • Wire transfers both domestically and internationally
  • Money is transferred between accounts at different banks or investment organizations.

A common use of transferring money is rolling over 401ks, rebalancing investment accounts, paying for business transactions, or acquiring income-generating assets.

What are the Wells Fargo Routing Numbers by State?

Because of past acquisitions, Wells Fargo has a large number of routing numbers. The ABA routing number 121042882 is used in various states, including Kentucky, California, Maine, Hawaii, Puerto Rico, Louisiana, and American Forces abroad, as shown in the table below.

State (Or Territory) 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
American Samoa 121042882
North Mariana Islands 121042882
Puerto Rico 121042882
Virgin 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 merged with and acquired 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 others.

The banks keep their financial infrastructure, which includes routing numbers, after the acquisition. Each acquisition is built on top of Wells Fargo’s existing infrastructure. Wells Fargo has a lot of route numbers because of this.

It’s also why you’ll encounter the identical Wells Fargo ABA routing number in multiple states. The routing number 121042882, for example, is utilized in a variety of locations, including Puerto Rico, California, Kentucky, Maine, Louisiana, and American Forces Overseas.

Since multiple states had the same routing number, it was most likely one bank. By tying Wells Fargo mergers and acquisitions back to their ABA routing numbers, you can easily identify them.

How To Find a Bank Routing Number for Wells Fargo?

Find your Wells Fargo ABA routing number by state using the information in this article. To find your States Wells Fargo bank routing number, look in the table above. If you can’t find it there, there are a few other ways to locate your Wells Fargo bank routing number, including:

  • Your check or monthly statement’s bottom left corner
  • Contacting your bank’s customer service
  • Visits the Wells Fargo website or downloads the Wells Fargo app
  • Look up your local Federal Reserve Bank in the Federal Reserve Banks Directory.

How To Find Wells Fargo Routing Number on Check?

Your Well Fargo ABA routing number and account number can be found at the bottom of your Wells Fargo bank checks. Most banks give new account holders at least one complimentary checkbook. The MICR line is printed at the bottom of your check and contains three groups of numbers: the routing number, your account number, and the check number.

On the check, what is the routing number? The routing number can be seen on the check in the screenshot below.

Your Wells Fargo check’s routing number is the first nine digits displayed on the bottom left corner. When you open an account, you’ll be given a routing number and an account number. As a result, the Wells Fargo branch where you first opened your account is linked to your routing number.

The number in the bottom center, just to the right of the routing number, is your account number, while the check number in the bottom-right corner is the check number, which helps you keep track of all payments.

Your Wells Fargo ABA RTN, as well as your account number, can be found on any monthly statements sent to you by your bank.

If you’re having trouble determining which part of the check is the routing number, check our table of routing numbers above, call Wells Fargo customer service, or look it up in the ABA directory.

How To Find Your Wells Fargo Routing Number Online?

A personal physical examination is not available to everyone. If you don’t have a personal check, you can look up your Wells Fargo routing number online. How can you find the Wells Fargo routing number online?

Most banks will post their ABA routing numbers on their websites because they aren’t supposed to be kept secret. When you log into your Wells Fargo online account, you’ll be able to see all of your account information, including your routing number. Additionally, once you’ve entered into your account, try looking for your routing number in the search bar 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 up the name of a financial institution, as illustrated in the screenshot below.

How To Get Routing Number on Wells Fargo App?

If you don’t at home, get limitless free internet or low-cost internet, 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 find the correct Wells Fargo routing number:

  • Log in to your Wells account using the Wells app.
  • Choose your bank account.
  • To get additional information, click the Show more details option.
  • Choose Routing numbers from the drop-down menu.

For direct deposit, electronic payments, and domestic/international wire transfers, you’ll see the correct ABA routing number and SWIFT code.

How Do You Contact Wells Fargo For Your Routing or Wire Number?

If none of the previous ways yield your Wells Fargo ABA routing number, you have one more option: call Wells Fargo customer care for a routing or wire number.

Here are the two ways to contact a Wells Fargo customer support representative:

  • Via a website form: Fill out a form with your account type and state, and you’ll get your routing number right away. For example, I discovered that my Wells Fargo routing number for the state of Illinois is 071101307.
  • If you don’t have a check or can’t remember where you first opened your Wells Fargo account, ask a customer service representative. Call 1-800-869-3557 and ask for your ABA routing number from a Wells Fargo customer service representative. Wells Fargo is known for providing exceptional customer service, and they are there to answer your queries 24 hours a day, 7 days a week.

What is the Wells Fargo Domestic Wire Routing Number?

For Wells Fargo domestic transfers, the Fedwire routing number is 121000248. You can locate it using any of the methods listed above for locating Wells Fargo ABA routing numbers. The simplest method appears to be to fill out a short form on the Wells Fargo website.

This is how I did it, as shown in the screenshot below. Simply request a routing number for a wire transfer within the United States.

Wire transfer routing numbers differ from ABA routing numbers, which are used for Automated Clearing House (ACH) transfers. Wire transfers have only two routing numbers: one for domestic wire transfers and one SWIFT code for international wire transfers, unlike ACH ABA routing numbers, which vary by state and financial institution.

Wire transfers have the advantage of being faster and more secure than ACH transfers. Money can be available in as little as a few hours or minutes. Unlike ACH transfers, which are managed by third-party clearinghouses, wire transfers are conducted directly between banks, with each bank confirming the transaction before it is processed.

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 a year’s worth of ways to save $10,000!

What’s the Wells Fargo International Wire Transfer Routing Number?

WFBIUS6S is the Wells Fargo international wire transfer routing number. Isn’t it the same as a routing number? SWIFT codes are used to identify financial organizations all around the world.

When making or receiving international wire transfers outside of the United States, you’ll need the Wells Fargo SWIFT code rather than a routing number.

You can receive it by filling out a form on the Wells Fargo website for international wire transfers, as shown below, or by phoning your bank directly.

Further account details, such as your account number and complete name, as they appear on your account when receiving money from someone outside the US, must be provided to your bank in addition to the SWIFT code. When sending a wire transfer to a cross-border recipient, the same rules apply. To get the funds, they’ll need to enter their bank routing number, account number, and account name.

What Information is Needed For a Wire Transfer at Wells Fargo?

For sending and receiving wire transfers within the United States, there is only one Wells Fargo routing number, and for multinational wire transfers to and from the United States, there is only one SWIFT code.

Now comes the question of what else is required to submit or receive a wire transfer at Wells Fargo.?

Here’s everything you need to know about sending and receiving wire transfers at Wells Fargo:

  • Your bank name
  • Your bank address
  • Account number at Wells Fargo
  • The account number of the beneficiary
  • The name of the beneficiary and the account number
  • The bank account number of the beneficiary

After this information is provided, you will be able to receive and send wire transfers both within and outside the United States.

Take the time to double-check all of the facts with the recipient or your bank before sending a wire transfer. This is particularly true for the routing and account numbers. If you make a mistake, the payments will be sent to the incorrect bank institution or beneficiary.

Due to delays and the related costs of reversing and resending funds, erroneous wire transfers can be costly in terms of both time and money.

Also, most wire transactions are irreversible and cannot get your cash back. It can be devastating for a frugal consumer trying to drastically cut expenses to save money.

Providing a voided check to the person sending money to you is a good way to ensure error-free transfers. To minimize costly mistakes, most businesses or HR departments require a canceled check when setting up direct deposit. That way, they’ll be able to deduce your routing number and account number from the MICR line on your checks.

How Long Does A Wire Transfer Take Wells Fargo?

With Wells Fargo’s online wire transfer service or the Wells Fargo mobile app, you can send wire transfers to over 200 countries around the world.

Wells Fargo takes 1-3 business days to clear domestic wire transfers and only a few days to clear international wire transfers. Domestic transfers usually clear the same day, but international transfers may take up to 2-5 business days to clear.

Domestic and international wire transactions sent before 2:00 p.m. Pacific Time are normally handled the same day, but wire transfers sent after 2:00 p.m. Pacific Time are typically processed the next working day.

How Much Does Wells Fargo Charge For A Wire Transfer?

The cost of a wire transfer at Wells Fargo is determined by whether it is an incoming or outgoing transfer. Wells Fargo wire transfer costs are typically revealed when you initiate a wire transfer.

In general, the following Wells Fargo wire transfer costs should be expected:

  • Domestic Wire Incoming: $15
  • Domestic Wire Outgoing: $30
  • $16 for incoming international wire
  • Costs for incoming international wire transfers are revealed once you enter a wire transfer.

However, if a wire is funded from eligible accounts, Wells Fargo waives wire transfer fees. Fees on wires supported through Team Member Checking, for example, are waived. Customers using Wells Fargo Zelle do not have to pay any fees right now.

Which Wells Fargo Routing Number Should You Use?

Whether you’re sending ACH transfers or domestic/international wire transfers, the Wells Fargo routing number you use is different.

Based on how and where you want to send or receive money, here’s a breakdown of which Wells Fargo routing numbers you should use:

  • Domestic ACH transfers: Use the Wells Fargo ABA routing number from the state where you first opened your account for domestic ACH transfers. Direct deposits, bill payments, and tax refunds can all be set up with ACH transfers. To find the Wells Fargo routing number for your state, use the guide above.
  • Use the Wells Fargo domestic wire transfer routing number 121000248 for domestic wire transfers.
  • Use the Wells Fargo SWIFT code WFBIUS6S for international wire transfers.

What Can Someone Do With Your Bank Account and Routing Number?

To initiate or finish domestic and international transfers, transfer money to your account, make online purchases, set up direct deposit, and pay bills with your checking account, you’ll need your routing number and account number.

While all consumers have access to routing numbers, account numbers are kept confidential by individual account holders. Giving out a routing number isn’t a big deal, but giving it out along with your account number puts your bank account at risk. What if that person decides to use your personal data against you?

Here’s what your account number and routing number can be used for:

  • Give you money: Someone needs your account number and routing information to make payroll payments to your account number, such as your company. That’s the bright side.
  • Conduct ACH Fraud: The primary danger is fraud. Your account number and routing number can be used to initiate ACH transfers and bill payments from your account. It means they can pay your bills or withdraw money from 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 should be cashed at liquor outlets. or any other check cashing establishments or use them to pay for purchases.
  • They can either use ACH fraud or create fraudulent checks to withdraw money from your account.

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 have been activated 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

Because Wells Fargo is one of the major banks in the United States and beyond, it has a number of ABA routing numbers that differ by state. Your Wells Fargo ABA routing number is determined by the state in which you first opened your account and is extremely important when sending and receiving ACH transfers inside the United States. Unlike ABA routing numbers, domestic wire transfers have only one routing number and international wire transfers to and from the US have only one SWIFT code.

To find your Wells Fargo ABA routing number, use the table of ABA routing numbers by state above. Instead, go to the Wells Fargo website, the Federal Reserve e-payment directory, or call a Wells Fargo customer service agent to discover your ABA number.

Always double-check your routing number with your bank or recipient to make sure your money is going to the appropriate place. It may help you avoid avoidable delays and costs in the future.

Tips to Protect Your Routing Number and Sensitive Banking Information

While there is never 100% guarantee that personal information will be protected on the internet, there are some precautionary actions that can be taken to boost security.

Here are some suggestions for keeping your sensitive and confidential financial information safe:

Only until someone acquires both your routing number and account number is your money safe in your account. This is due to the fact that both of these numbers can assist the thief by providing them with access to your bank account. They can then withdraw money, pay their own bills, and even open a new account with your funds, all without your knowledge or permission.

As a result, don’t give out your banking information to anyone you don’t know. Additionally, avoid disclosing personal facts over the phone, particularly in public locations where others can hear you.

Careless check disposal or a physical copy of your bank documents can put your account at risk. This is because your checks contain sensitive information including your name and address, as well as your routing number and account number. This provides the scammer the opportunity to steal your identity.

As a result, it’s a good idea to shred all of your canceled checks as a precaution. This virtually eliminates the possibility of someone skimming your information and generating or passing counterfeit checks in your name.

Although someone might be able to access your bank’s ABA routing number, your account number isn’t considered public information. As a result, it’s critical that you don’t post it on any social networking platform.

It’s also not a good idea to give up your bank account information over the phone, via text or chat, in images, or even via email. It’s understandable that it happens from time to time, but it shouldn’t be a frequent occurrence. When faced with a circumstance like this, make sure to use apps that have end-to-end encryption. These programs can stop data from being read or changed.

If your bank account information is saved on your electronic devices, such as your phone or laptop, always use a secure connection. This indicates that your internet connection is confidential. When emailing sensitive material, using public WiFi, such as on a aircraft, is not the greatest option.

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