US Bank Routing Numbers (2026) — Verified Against the Federal Reserve
Every routing number on this site is read directly from the Federal Reserve Banks' E-Payments Routing Directory, not copied from another website. We currently publish 2,143 verified routing numbers across 58 US banks and credit unions, including state-by-state breakdowns for the 16 banks that genuinely issue different numbers by state.
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Banks with different routing numbers by state
These banks grew by acquiring separately chartered state banks, and the Federal Reserve still registers those predecessor routing numbers individually. Your number follows the state where your account was opened — not where you live now.
U.S. Bank
Chase
PNC Bank
Truist
TD Bank
Citibank
KeyBank
Citizens Bank
Capital One
Regions Bank
Bank of America
Wells Fargo
Huntington Bank
M&T Bank
Fifth Third Bank
Santander Bank
Banks and credit unions with a single routing number
Branchless banks and most credit unions never inherited state charters, so one number covers every customer nationwide. That makes them the easiest to get right.
Banks we could not verify
For these we found no current routing number registered under the bank's name in the Federal Reserve directory. We are deliberately not publishing a number for them. These pages are excluded from search indexing until we can confirm the data.
What a routing number is
A routing transit number is a nine-digit code identifying which financial institution holds an account. The first four digits are the Federal Reserve routing symbol, the next four identify the institution, and the ninth is a check digit calculated from the other eight — which is how a payment form can reject a mistyped number instantly.
The number you need depends on what you are doing. Direct deposit and bill payments travel over ACH; same-day transfers travel over Fedwire; and many large banks register a different number on each network. Money arriving from outside the United States needs a SWIFT/BIC code as well, because US accounts have no IBAN. Wire vs ACH explained →
How we verify
- Query the Federal Reserve's FedACH and Fedwire participant directories live, by institution name.
- Keep only records the Federal Reserve returns under the bank's registered legal name — this is what stops the roughly fifty unrelated community banks trading as "Citizens Bank" being mixed into one page.
- Cross-check any Fedwire-only record by looking the exact routing number up again in FedACH.
- Validate every number against the ABA check-digit formula.
- Drop anything that fails, and drop numbers that disappear from the directory rather than carrying them forward.
SWIFT/BIC codes are not held in the Federal Reserve directory. Where shown they are as published by the bank itself and are labelled that way. Data last refreshed 29 July 2026.
Frequently asked questions
Where do these routing numbers come 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 directly rather than copying from other websites, keep only records the Federal Reserve returns under the bank's registered legal name, and validate every number against the ABA check-digit formula.
Why do some banks show no routing number here?
Because our checks against the Federal Reserve directory did not return a current number registered under that bank's name. A wrong routing number sends money to the wrong institution, so we publish nothing rather than repeat a number we cannot stand behind. Those pages tell you to get the number from the bank directly.
Why does one bank have more than a hundred routing numbers?
American banking consolidated heavily, and when a large bank acquires a smaller one the acquired bank's routing number normally keeps working so existing direct deposits do not break. Banks like PNC, Bank of America and BMO each hold well over a hundred registered numbers, most of them inherited from institutions that no longer exist as brands.
Does my routing number change if I move state?
No. A routing number attaches to the account, not to your address. If you opened an account in Illinois and moved to Texas, you keep the Illinois number. Looking up the number for the state you now live in is the most common reason a transfer is returned.
Do US banks have an IBAN?
No. The United States never adopted IBAN. An overseas sender needs your bank's SWIFT/BIC code plus your routing and account number instead.
Buzdy is not affiliated with any bank listed. Routing numbers are reproduced for reference from public Federal Reserve records; always confirm with your own bank before moving money.