Citibank Routing Number

How to Find Your Citibank Routing Number (Plus a Complete List!)

  • Post author:Bob Haegele
  • Post last modified:November 25, 2023

Your Citibank routing number is an essential number you will need for a variety of online transactions. In this article, you will find a full list of Citibank routing numbers as well as how to find this number.

About Citibank

Citibank was founded in 1812 in New York, NY, at the time known as the City Bank of New York. It is also the third-largest bank in the US.

The bank later changed its name to First National City Bank of New York; of course, that didn’t last. It did keep this name (or some form of it) until 1976 when it was renamed Citibank, N.A.

The company has grown dramatically since its First National days. In fact, it is no longer a national company; it is an international company.

As of this writing, the bank has 2,469 branches in 19 countries. But despite being an American company, the biggest portion of its branches are in Mexico (1,494) under its subsidiary called Banamex.

In contrast, it has 723 branches in the United States – still not a small number by any means.

Today, the company is still headquartered in New York, NY.

How Citibank Routing Numbers Work

The nine-digit code you will find in your account information is your Citibank routing number. You’ll need this number for a variety of transactions such as ACH transfers, ordering checks, and direct deposits.

You will also find this number printed at the lower left corner of a check.

Your routing transit number (RTN) is a unique identifier specifically assigned to your bank or financial institution. It tells banks where the money came from to eliminate confusion when transferring money (hence: routing transit numbers).

List of Citibank Routing Numbers

Despite having a large number of branches in the US, those branches are concentrated in just a handful of states. Below, you will see a list of all of the Citibank routing numbers – for the states that have them.

Some states and locales have multiple RTNs. This is usually because there is more than one location where checks are printed within that state or metro area.

For example, you will see two different routing numbers within California:

  • California, North: 321171184
  • California, South: 322271724

Below, you will see a complete list of Citibank routing numbers.

Location Citibank Routing Number
California, North (CA)* 321171184
California, South (CA)** 322271724
Connecticut (CT) 221172610
Florida (FL) 266086554
Illinois (IL) 271070801
Maryland (MD) 052002166
Massachusetts (MA) 221172610
Nevada (NV) 322271724
Nevada – Las Vegas branches 27, 29, 30 & 56 122401710
New Jersey (NJ) 021272655
New York (NY) 021000089
Pennsylvania (PA) 021272655
Texas (TX) 113193532
Virginia (VA) 254070116
Washington, D.C. (DC) 254070116

* Including San Fransisco and Central California.
** Including Los Angeles and San Diego.

While many states do not have a Citibank routing number, other states share the same ABA routing number. The reason for this is that routing numbers are based on where checks are physically printed, not where customers live.

You can understand this in cases of for example Virginia and Washington, D.C., as DC sits right on the VA border. The result is that it isn’t necessary to have two different routing numbers for each location since checks are printed in the same place for both.

In addition, some states, like California, have more than one routing number. Again, this is not surprising because CA is a very large state with tens of millions of people. Thus, it makes sense to print checks in multiple places.

How to Find Citibank Routing Number

There are a number of different ways you can potentially find your ABA routing number. Some examples are:

  • On the Citibank website
  • The bottom of a paper check
  • Routing number in the Citibank app

Now, let’s cover each of these methods in more detail.

Routing Number on Check

If you want to quickly and easily find your routing number, one of the best ways to do so is by grabbing your checkbook. That’s because every single paper check will have it printed at the bottom.

You will see more than one set of numbers here, though. The first one is the MICR routing number. It’s printed in a special type of magnetic ink.

After the routing number, the second set of numbers is your account numbers, usually 10-12 digits in length. This unique identifier is only assigned to your account and no one else’s.

There is usually a third set of numbers, but you probably won’t need it. It is the check number, which is basically an ID number for the check. That’s mostly so that the place where the check is printed can identify and keep track of the checks, but you likely won’t have to use it.

RTN Via Online Banking

Another easy way to find your Citibank routing number is via online banking. Typically, when you log in to your account details page, you will be able to quickly find this number in your account information.

While it should be relatively easy to find, there is always the chance you might have trouble finding it. If that is the case, you can always contact support.

The Citibank customer support number is 1 (800) 374-9700.

How to Find Citibank Routing Number on the App

Citibank also has a mobile app called Citi Mobile which you can download for Apple or Android. Oftentimes you will find an account information screen within the mobile app, and here you can find your account number and routing number.

It is important to be able to find these numbers as you will need them for direct deposit, wire transfers, or moving money from your Citibank account to an investment firm.

With more and more people using mobile devices as their primary device, it’s helpful to be able to find your routing transit number while mobile.

Citibank ABA Routing Number

You may have heard of routing numbers referred to as ABA routing numbers before but been unsure what ABA stands for. That would be the American Bankers Association which is the organization that originally created the routing number.

They did so all the way back in 1910, even before World War I. Of course, things were very different back then.

There were no digital payments, so personal checks were the primary form of payment aside from cash. This made checks very important, and people had to be able to keep track of checks.

In addition to the lack of digital payments, there are also no computers, making it harder to keep track of things. So if there were two banks with similar names, that could create confusion when exchanging checks.

Thus, routing numbers were created to identify two things:

  1. The bank where the person who wrote the check does their banking
  2. The physical location of where the check was printed

By creating these numbers, the ABA made transactions safer and more secure. Also, note that the Federal Reserve needs these numbers to process Fedwire funds.

How Do Citibank Routing Numbers Work?

The way routing numbers work is simpler than it may seem at first. In reality, they can be broken into a few parts:

  1. The first four digits are the Federal Reserve routing symbol. As mentioned above, this helps the Federal Reserve process Fedwire funds.
  2. The second four numbers are the ABA identifier, which tells the ABA which financial institution owns the account.
  3. The last number is the check digit or checksum, which is an algorithm that verifies the integrity of the check.

Yes, it’s that simple. Routing numbers consist of three simple parts that are the same on every check in existence.

Account Number vs. Routing Number

Your printed checks show both your account number and your routing number, but these are two very different identifiers.

The account number is a unique identifier that each bank assigns to its accounts. If you have multiple accounts at the same bank, each will have a different account number.

On the other hand, routing numbers are a centralized system (maintained by the ABA) that identify the banking institution as well as where the checks were printed. If you have two accounts with the same bank, they will have the same routing number (unless the accounts were opened in different places with different routing numbers).

As you can see, these numbers are both important but very different as well.

Importance of Routing Numbers

Routing numbers are important because most digital transactions would be impossible without them. Even though these numbers were invented long before the digital age, they remain important today.

Any kind of automatic payment or transfer of money between different financial institutions will require a routing number. Without it, you won’t be able to complete the transaction.

However, if you need to transfer money via wire transfer, the routing numbers above will not work. There is a separate wire transfer number you need for that type of transaction.

Regardless, you will need your routing number to complete various online transfers. To find the routing number for your location, consult the table above.

After all, you will also need this number when moving money into a savings account, IRA, and countless other types of accounts.

Remember that you will need to have your routing number when doing any kind of transfer between financial institutions. However, once you input your Citibank routing number, you will most likely not have to do it again for each type of transfer.

Are All Routing Numbers the Same?

All routing numbers work the same way, but not all routing numbers are the same. That said, each account associated with one particular bank in one particular location will have the same routing number.

But it depends on the bank. There are some banks that have customers all over the country (like USAA) but have just one routing number. So it really depends on the back and how they conduct business.

That said, you will never see the same routing number for two different banks. In fact, that is one of the main reasons routing numbers were created initially – to eliminate confusion of banks that had similar names.

Wire Transfers and International Transfers

For any sort of domestic wire transfer, you will always have the same routing number for Citibank. However, if you are doing international or wire transfers, there is a different routing number for those.

According to Citibank, to send a wire transfer, you will need the following information:

  • Beneficiary’s bank name and address
  • Beneficiary’s name
  • ABA number and account number
  • Reference note (i.e., “The Smith Wire”)
  • SWIFT code for international wires (Some international wires require an IBAN number, but US accounts do not have an IBAN.)

You may also want to have the beneficiary’s account number as you might be asked for that depending on the transaction.

In the next section, we will cover what that number is in addition to one other type of number you will need for Citibank transfers.

Citibank SWIFT Code

Citibank has two numbers you may need if you are doing international transfers. There is a wire transfer routing number in addition to what’s known as a SWIFT code. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication.

  • The Citibank SWIFT code is CITIUS33.

Normally, if you have to specify a routing number for either incoming or outgoing wires, you will use your routing number from the table above.

Note that Nevada residents have a different routing number for incoming international wire transfers: 322271724.

Former EAB customers (New York, NY) also have a different routing number for wire transfers: 021001486.

Conclusion on Citibank ACH Routing Number

Having your Citibank routing number handy is an important part of being prepared to conduct business online. Without it, you probably won’t be able to send and receive money.

Remember, this number is the nine-digit number you’ll find on your checks, just before the account number. You’ll need this for bill pay, wire transfers, and other transactions.

Hopefully, you have found this information useful. Let us know if you have any questions or anything to add.


Hey there. My name is Bob Haegele and I'm a personal finance writer who has been freelancing since 2018. Since then, I've built a six-figure career as a freelance writer. My work has been featured in Business Insider, Forbes Advisor,, USA Today, and many other outlets. Interested in starting a blog of your own? Check out my post on starting a blog.

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