Citizens Bank Routing Numbers

Complete guide to Citizens Bank routing numbers for ACH transfers, wire transfers, and direct deposit setup across all 14 states where Citizens Bank operates.

Wire Transfer (Domestic)

Varies by state

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Wire Transfer (International)

Varies by state

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ACH Transfer

Varies by state

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Swift Code

CTZIUS33

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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 Citizens Bank. Nickel supports secure transfers from Citizens Bank and thousands of other banks. For official Citizens Bank support, contact them directly.

Citizens Bank Routing Numbers by State

Citizens Bank uses different routing numbers based on the state where you originally opened your account. The bank operates in 14 states across the northeastern, mid-Atlantic, and Midwestern United States. Below are the routing numbers you'll need for ACH transfers and direct deposits.

Important: Most Citizens Bank locations use different routing numbers for domestic wire transfers than they do for ACH transfers and direct deposits. Always verify which number you need for your specific transaction type.

Northeastern States (ACH/Direct Deposit):

Connecticut: 211170114
Massachusetts: 211070175
New Hampshire: 011401533

Northeastern States (Wire Transfers):

Connecticut: 011500120
Massachusetts: 011500120
New Hampshire: 011500120

Northeastern States (ACH/Direct Deposit and Wire Transfers):

Rhode Island: 011500120
Vermont: 021313103

Mid-Atlantic States (ACH/Direct Deposit and Wire Transfers):

Delaware: 031101143
New Jersey: 036076150
New York: 021313103
Pennsylvania: 036076150

Midwestern States (ACH/Direct Deposit and Wire Transfers:

Michigan: 241070417
Ohio: 2410704

Southern States:

Florida (Select Counties): 211070175
Maryland: 052001633
District of Columbia: Varies by original account location

Note: Citizens Bank has routing numbers that reflect its expansion through various acquisitions over the decades. Some states share the same routing number due to regional consolidation and the bank's organizational structure.

If your state isn't listed, Citizens Bank may not operate retail branches in your area. Contact Citizens Bank customer service at 1-800-922-9999 to verify the correct routing number for your specific account.

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 Citizens Bank Bank Routing Number

Multiple ways to locate your Citizens Bank 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 Citizens Bank online banking and navigate to Account Details to view your routing number

Mobile App

Open the Citizens Bank 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 Citizens Bank customer service at 1-800-922-9999 for assistance finding your routing number.

Frequently Asked Questions About Citizens Bank Routing Numbers

Why does Citizens Bank have so many different routing numbers?

Citizens Bank's multiple routing numbers reflect its history of growth through acquisitions and regional expansion. The bank started as High Street Bank in Providence, Rhode Island in 1828 and grew significantly through mergers with institutions like Charter One Financial in 2004. When banks merge, they often maintain separate routing numbers for different regions to minimize disruption to existing customers. This is why you'll find different routing numbers for states like Massachusetts versus Michigan, even though they're all part of the same Citizens Bank network.

Can I use any Citizens Bank routing number for my account?

No, you must use the routing number specific to the state where you originally opened your account. Using the wrong routing number can cause payment delays, rejections, or funds being misdirected. If you've moved to a different state since opening your account, you should still use the routing number from your original state unless you opened a new account in your current location.

What's the difference between ACH and wire routing numbers at Citizens Bank?

Citizens Bank uses different routing numbers for ACH transfers versus wire transfers in several states. For example, Connecticut accounts use 211170114 for ACH transfers and direct deposits, but 011500120 for wire transfers. ACH transfers are electronic payments that typically process within 1-3 business days and are used for bill payments and direct deposits. Wire transfers are real-time bank-to-bank transactions that process within hours but come with fees. Always verify which number your financial institution needs before initiating any transfer.

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

Check your original account opening documents, which should list the branch location where you established your account. You can also call Citizens Bank customer service at 1-800-922-9999 and ask a representative to confirm your account's home state. Additionally, old bank statements often show the branch location, and your routing number on checks corresponds to a specific state.

Can I use Citizens Bank routing numbers for international transfers?

No, international wire transfers require Citizens Bank's SWIFT code CTZIUS33. Routing numbers only work for domestic U.S. transfers within the ACH and Fedwire networks. For international wires, you'll need to provide the SWIFT code, your account number, and additional information like the beneficiary bank's address. Be aware that Citizens Bank charges approximately $40 per international wire transfer, and processing takes 2-5 business days depending on the destination country.

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