Citibank Routing Number

Find your Citibank routing number for ACH transfers, wire transfers, and direct deposit setup across all states where Citibank operates.

Wire Transfer (Domestic)

321171184

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Wire Transfer (International)

321171184

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ACH Transfer

Varies by state

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Swift Code

CITIUS33XXX

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with Citibank. Nickel supports secure transfers from Citibank and thousands of other banks. For official Citibank support, contact them directly.

Citibank Routing Numbers by State

Citibank uses different routing numbers based on the state where you originally opened your account. Using the correct routing number is critical for ACH transfers, direct deposits, and electronic bill payments. Here are all Citibank routing numbers organized by region:

Northeast Region:

Connecticut: 221172610
Maryland: 052002166
New Jersey: 021272655
New York: 021000089
Pennsylvania: 036001808
Virginia: 254070116
Washington D.C.: 254070116

Southern Region:

Florida: 266086554
North Carolina: 053910071
Texas: 113193532
Georgia: 261171137

Midwest Region:

Illinois: 271070801
Michigan: 272471852
Missouri: 081001387
Ohio: 041002711

Western Region:

California (Northern): 321171184
California (Southern): 322271724
Arizona: 122401710
Nevada: 321170538
Oregon: 325070634
Washington: 325070760

Note: If you opened your account in a state not listed above, or if you're unsure which routing number to use, call Citibank customer service at 1-800-374-9700. Using the wrong routing number can delay your payment or cause it to be rejected entirely.

Important: For all domestic wire transfers regardless of your state, use routing number 321171184. For international wire transfers, you'll need SWIFT code CITIUS33XXX instead of a routing number.

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your Citibank Bank Routing Number

Multiple ways to locate your Citibank Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your Citibank online banking and navigate to Account Details to view your routing number

Mobile App

Open the Citibank mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call Citibank customer service at 1-800-374-9700 for assistance finding your routing number.

Frequently Asked Questions About Citibank Routing Numbers

Why does Citibank have different routing numbers for each state?

Citibank's multiple routing numbers reflect its long history and nationwide expansion strategy. As Citibank grew and acquired regional banks over its 200+ year history, it maintained separate routing numbers for different geographic regions. Each routing number corresponds to the Federal Reserve district where that region's transactions are processed, which helps the bank manage the massive volume of payments it handles daily across the United States.

Can I use any Citibank routing number for my account?

No, you must use the routing number specific to the state where you originally opened your account. The routing number is tied to the Federal Reserve branch that processes your transactions. Using an incorrect routing number will cause delays, rejected payments, or funds being sent to the wrong account. Always verify your routing number by checking your account documents or calling Citibank at 1-800-374-9700.

What's the difference between Citibank's ACH and wire routing numbers?

For most Citibank accounts, ACH transfers (like direct deposits and bill payments) use the state-specific routing number based on where you opened your account. However, domestic wire transfers use a single routing number - 321171184 - regardless of your state. This is because wire transfers are processed through a different system (Fedwire) than ACH transfers, and Citibank centralizes all domestic wire processing through its Northern California routing number.

How do I know which state my Citibank account was opened in?

Check your original account opening paperwork, which will show the branch location where you opened the account. You can also log into Citibank online banking and look at your account details, or check old bank statements which typically show the branch information. If you still can't determine your account's origin state, call Citibank customer service at 1-800-374-9700 and they can look it up for you using your account number.

Can I use Citibank routing numbers for international transfers?

No, routing numbers only work for domestic U.S. transfers. For international wire transfers to or from Citibank, you must use Citibank's SWIFT code: CITIUS33XXX. This code identifies Citibank in the international SWIFT network. You'll also need to provide the recipient's full account details and may need additional information depending on the destination country.

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