A routing number is a 9-digit identifier used in the United States to represent a financial institution. Banks utilize routing numbers to handle the exchange of funds.
The routing number of Wells Fargo is not the same for all. For Wells Fargo, there is a unique routing number dependent on the location of your account, the kind of account, and the sort of transaction you make. For all types of financial transactions, banks employ routing numbers. If you wish to do any of the following, you might require one:
- Make a direct transfer or pay bills on your Wells Fargo account automatically.
- Has your account deposited payments like a salary or pension?
- Pay in a cheque
- Make a transfer wire or ACH payment to someone in the United States of America
Wells Fargo Routing Numbers (Location Wise):
For checks and savings accounts, your Wells Fargo routing number depends on where you first opened it.
Some regions have similar numbers shown in the table below. For instance, several locations such as California, Hawaii, Kentucky, Louisiana, Maine, Puerto Rico, and other areas around the globe utilize the 121042882 route numbers.
|State (Or Territory)||Routing Number|
|District of Columbia||054001220|
|North Mariana Islands||121042882|
|American Forces Abroad||121042882|
Routing and Account Number Information for Your Wells Fargo
Wells Fargo & Company was created in the mid-1800s and had a lot of time to purchase other banks over the years. The major routing number of a bank is given depending on the location of its headquarters. Banks may acquire different routing numbers if required to maintain the appropriate routing of payments and collections.
Smaller banks and internet financial institutions usually utilize only one national routing number. For each state in which they operate, larger banks may have routing numbers.
In the list, you will note that many states share the same ABA routing number. It is nice to see banks’ relationships because you can often link them to their ABA routing number.
Usually, the exact routing number is close to the bottom of the cheque, where you can identify the financial institution in which it is designed. The check number, sometimes called the ABA number or SWIFT code, can manage an account and transfer money from one bank account to another.
This number is important to transfer money to other accounts or money to pals. As several financial institutions have various routing numbers, it is crucial to ensure that you use the correct number before starting a transaction.
How to Search for Your Wells Fargo Routing Number?
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You will need your account routing number to set up an electronic payment or direct deposit. You can discover your routing number on your cheque or the bank’s website in many ways.
Two commonly used techniques to find your routing number are here:
1. Check for the Wells Fargo Website:
The website of the bank publishes its routing numbers online because routing numbers are not confidential numbers. Go to WellsFargo.com to verify your Wells Fargo routing numbers.
All you need to do is selecting the account type and the status you have opened, and your routing number will appear. Furthermore, you can register online for Wells Fargo, choose your account, and click a link showing your routing number. The frequently asked questions area also allows you to check. Banks have numerous ABA numbers, and it is essential to know where your account opened.
2. Glance at Your Cheque:
You can also find your routing number on your negotiable instruments, such as a personal cheque towards the bottom. Your account’s routing number is the code that usually lies in the lower-left corner of your cheque. At the end of a personal cheque, you can find three numbers with magnetic ink.
The first 9-digit code is the routing number, the following is your account number, and the last number is the check number. The number of routing can come first or in the center. It may easily be recognized as a nine-digit number and placed between symbols that appear like semi-colon symbols. The personal cheque routing number helps in domestic wires.
Domestic/International Wire Transfer Routing Numbers
Wire transfers are among the most prevalent methods of financial transfer between local and international banks. Do people or companies interested in making such a transaction may inquire about the difference between domestic and international wire transfers? These two deals are very similar in many aspects.
Both communicate instructions electronically via a secure network that provides the recipient with cash without the sender’s bank physically moving money.
Domestic wire transfers in the US, however, communicate transaction instructions through CHIPS or Fedwire networks. Local transactions in the EU are subject to SEPA rules. On the other hand, international wire transfers use SWIFT, a network of more than 10,000 banks and financial institutions across 200 countries.
Senders must only supply the receiver’s account number, the SWIFT code, the amount and currency to be sent, and the purpose for making the transfer.
Domestic Wire Transfers
US banks use the Interbank Payments System (CHIPS) of Clearing House or the Fedwire to move cash locally through wire transfers. CHIPS operating regulations are established and facilitated by the New York Clearing House Association for transactions using the CHIPS system.
These domestic wire transactions are cleared every business day after each bank’s books are balanced at the Federal Reserve Bank in New York. The Fedwire system complies with the Federal Reserve’s requirements.
When you send a Fedwire wire transfer, your bank utilizes a 9-digit ABA routing number to identify the destination’s bank. Contrary to CHIPS, Fedwire transfers are nearly instantaneous. Once the recipient receives a notification, they can withdraw their cash.
International Wire Transfers
US banks use the same CHIPS and Fedwire systems to process international wire transfers. Instead, they send wire instructions using the Society for Worldwide Interbank Financial Telecommunications (SWIFT) codes instead of the local bank routing number. SWIFT is a worldwide non-profit organization consisting of over 9,000 institutions.
While domestic cable transfers are completed on the same day, regular international cable transfers take up to two business days before they appear on the beneficiary’s account.
Any transfer that takes longer cannot be regarded as a wire transfer. The extra delay is due to international processing systems rather than domestic automated clearing houses (ACH).
Domestic wire transfers must only be completed through local ACHs within a day. In the country of the receiving bank, international wire transfers must also clear an ACH that adds to the procedure another day. Factors like holidays at banks, time zones, weekends, and mistakes in detail may delay wire transfer. It is also essential that account numbers and bank codes be checked before a wire transfer is completed.
|Type of wire transfer transfer||Wells Fargo routing number|
|Domestic Wire Transfer||121000248|
|Type of wire transfer transfer||121000248|
Which Wells Fargo Routing Number Can You Use?
Because of the nature of the transaction, the Wells Fargo routing number you will need will be determined by the nature of the transaction. To accept ACH transfers and to set up automated bill payments, it is conceivable that you may require two different phone numbers.
Although a bank may have various routing numbers, none are shared with other financial institutions, even though they are widely used. Your payment will be delivered to the correct recipient as a result of this step.
Various Wire Transfers Routing Numbers
The American Bankers Association routing numbers are solely used for ACH transfers. You may get a wire transfer, in which case the code will be different; nonetheless, it is the simplest system with only one number for domestic wire transfers and another number for international wire transfers; this is advantageous.
Wire transfers are “better” than ACH transfers because they are faster by a few days; nevertheless, wire transfers are also more expensive. An ACH transfer is entirely free, whereas an incoming wire transfer costs $15, and an outgoing transfer costs $30 per transaction.
- Domestic wire transfer (Wire Routing Transit Number) – 121000248
- International wire transfer (SWIFT/BIC Code) – WFBIUS6S
If you are receiving a wire transfer, the following information may be required:
|Bank Name||Wells Fargo Bank, NA.|
|Bank Address||420 Montgomery
San Francisco, CA 94104
(regardless of where your account is at)
Beneficiary Acct. #
|Your complete Wells Fargo account number
including leading zeros
|The name and address of your account as it
appears on your statement
Before sending a wire transfer, double-check that you have received all of the necessary information. Wire transfers are practically never reversible for a variety of reasons. Always speak with the individual you are about to send a wire transfer to double-check the details and get their approval. I’ve heard of several scams that have occurred due to erroneous wire transfer transactions.
How to Contact Wells Fargo for Your Number?
You can ask Wells Fargo in two ways: the first is from its official website. You will be requested to determine your account type and status. We pulled the numbers from this tool in the table above.
Suppose you do not remember which information you found when you first created the account and did not check. In that case, you may call Wells Fargo to request your ABA routing number from the customer care agent.
The phone number is 1-800-869-3557, and they are available 24 hours a day, seven days a week.
Wells Fargo Routing Number – United States (Full List)
Summary, Suggestions & Tips:
The Wells Fargo routing number is a necessary number that facilitates sending and receiving money across accounts. Making a mental note of your routing number (or programming it into your phone) so that you have it immediately available is not a bad idea.
You can also save this page to your favorites if you want to come back and review what route number to use. It is likely that if you use things like freelance websites or need money immediately, you will need to know your routing number to get your money into your bank account as soon as possible.