Citizens Bank Routing Number (2026) — ACH, Wire & Direct Deposit
Use the routing number printed on your own check — the first group of nine digits in the bottom-left corner. It is the only number guaranteed to be right for your account. Citizens Bank has more than one, and no list on any website can tell which one is yours. Your Citizens Bank app and online banking show it too, and 1-800-922-9999 will confirm it. A wrong routing number sends your money to the wrong institution.
We are deliberately not printing a single "Citizens Bank routing number" for direct deposit. The Federal Reserve registers 31 numbers to Citizens Bank, N.A. and only one of them belongs to your account. The number on the bottom-left of your own check is the only authoritative answer.
Why Citizens Bank has the routing numbers it does
There is a specific trap with this bank. "Citizens Bank" is one of the most duplicated names in American banking — the Federal Reserve directory contains around fifty separate institutions using it, from Citizens Bank of Edmond in Oklahoma to Citizens Bank & Trust in Montana, none of them related to each other. The large north-eastern bank people usually mean is registered precisely as Citizens Bank, National Association, headquartered in Providence, Rhode Island and descended from the former Royal Bank of Scotland US arm. Every number on this page comes only from records matching that exact registered name; the community banks that share the brand are deliberately excluded.
Citizens Bank routing numbers registered with the Federal Reserve
Each row below is a live record from the Federal Reserve's Fedwire participant directory. The location column is the Fedwire telegraphic location the Federal Reserve holds for that number — the Fed's own processing site for it. For a bank this size it is not the state whose accounts use the number, and it should not be read as one. Nothing on this page can tell you which of these is attached to your account: use the nine digits printed on the bottom-left of your own check.
| Routing number | Registered to | Fedwire location | Fed district | Networks |
|---|---|---|---|---|
| 031101143 | RBS CITIZENS, N.A. | Wilmington, DE | Philadelphia | Wire |
| 271071321 | CITIZENS BANK NA | Chicago, IL | Chicago | Wire ACH |
| 021213449 | CITIZENS BANK, NATIONAL ASSOCIATION | Newark, NJ | New York | Wire ACH |
| 021414455 | CITIZENS BANK, NATIONAL ASSOCIATION | Short Hills, NJ | New York | Wire ACH |
| 221272031 | CITIZENS BANK, NATIONAL ASSOCIATION | Short Hills, NJ | New York | Wire ACH |
| 021313103 | CITIZENS BANK NA | Albany, NY | New York | Wire ACH |
| 026011701 | CITIZENS BANK, NATIONAL ASSOCIATION | Astoria, NY | New York | Wire ACH |
| 221271113 | CITIZENS BANK, NA | Astoria, NY | New York | Wire |
| 221370030 | CITIZENS BANK NA | Albany, NY | New York | Wire ACH |
| 222371054 | CITIZENS BANK NA | Rochester, NY | New York | Wire ACH |
| 241070417 | CITIZENS BANK NA | Cleveland, OH | Cleveland | Wire ACH |
| 036076150 | CITIZENS BANK, NATIONAL ASSOCIATION | Philadelphia, PA | Philadelphia | Wire ACH |
| 011500120 | CITIZENS BANK, NATIONAL ASSOCIATION | Providence, RI | Boston | Wire ACH |
The Federal Reserve additionally registers 18 ACH-only routing numbers to Citizens Bank, N.A. that are not eligible for Fedwire. These are almost entirely legacy numbers inherited from acquired institutions and are still valid for receiving direct deposit, but cannot be used to receive a wire. We do not list them individually because the only one that matters is the one printed on your own check.
A routing number sends money to an institution, not to a person. If it is wrong the payment goes somewhere else. Before you transact, confirm the number against the bottom-left of your own check, your Citizens Bank app, or Citizens Bank's official page.
Which number do you actually need?
| You are doing this | Use | Arrives |
|---|---|---|
| Setting up direct deposit or paying a bill | The ACH number on your check | 1–3 business days |
| Receiving a domestic wire | Ask the bank | Same business day |
| Receiving money from outside the US | CTZIUS33 (SWIFT/BIC) | 1–5 business days |
US accounts do not have IBANs. If an overseas sender's form demands one, that form was built for Europe — give them the SWIFT/BIC plus your routing and account number instead. See SWIFT vs routing number.
Citizens Bank branches in Buzdy's US directory
We track 222 Citizens Bank locations in the United States. If you need to confirm a routing number in person or open an account, these are the busiest cities in our data:
Citizens Bank cards and accounts on Buzdy
Products we list for Citizens Bank in the United States.
Advertiser disclosure: some “Apply Now” links are partner links and Buzdy may earn a commission if you apply. This never changes what you pay or the order products are shown in.
Citizens Bank routing number — questions
What is the Citizens Bank routing number?
There is no single one. The Federal Reserve registers 31 routing numbers to Citizens Bank, N.A., mostly inherited from banks it has acquired. For direct deposit use the nine digits on the bottom-left of your own check.
Which of the 31 Citizens Bank routing numbers is mine?
We cannot tell you from a list, and neither can anyone else. Citizens Bank, N.A. has 31 routing numbers registered with the Federal Reserve, most of them inherited from banks it acquired, and which one is attached to your account depends on the institution and branch that opened it. The nine digits in the bottom-left corner of your own check are the answer; your Citizens Bank app and online banking show the same thing, and 1-800-922-9999 will confirm it. Do not pick one off a list because it matches your state.
Is the Citizens Bank wire routing number the same as the ACH number?
Not always. ACH routing numbers move direct deposits and bill payments over the automated clearing house, usually settling in one to three business days. Wire routing numbers move same-day funds over Fedwire. Of the 31 numbers the Federal Reserve registers to Citizens Bank, N.A., 13 are Fedwire-eligible and 18 are ACH-only. Using an ACH-only number for an incoming wire is one of the most common reasons transfers are returned.
What is the Citizens Bank SWIFT code?
Citizens Bank publishes the SWIFT/BIC code CTZIUS33 for international transfers. SWIFT codes are not held in the Federal Reserve routing directory, so we cannot verify this against the Fed the way we verify routing numbers — confirm it with the bank before an overseas sender uses it.
How do I find my own Citizens Bank routing number?
Read the first group of nine digits in the bottom-left corner of a check, open your account details in the Citizens Bank app or online banking, or call 1-800-922-9999. Any of these three is specific to your account; a general list is not.
How we checked this page
Every routing number above was read directly from the Federal Reserve Banks' E-Payments Routing Directory — the FedACH and Fedwire participant directories, which are the systems of record for US routing numbers. We query both directories by institution name, keep only records the Federal Reserve returns under Citizens Bank, N.A., and validate every number against the ABA check-digit formula. Numbers that fall out of the directory are removed rather than carried forward. We do not publish a number we could not confirm.
SWIFT/BIC codes are not part of the Federal Reserve directory and are shown as published by the bank itself, labelled as such. Last checked against the Federal Reserve directory on 29 July 2026.
Related guides
Buzdy is not affiliated with Citizens Bank, N.A.. Routing numbers are reproduced for reference from public Federal Reserve records; always confirm with your bank before moving money.