Last updated: June 28, 2026 · Data source: Federal Reserve E-Payments routing directory, official bank sites
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
A routing number is the 9-digit code that identifies your bank in the US payment system. You need it (with your account number) for direct deposit, automatic payments, and wire transfers. For money coming from outside the US, the sender needs your bank's SWIFT/BIC code instead.
This guide links to verified routing and SWIFT details for every major US bank. Start with our US bank routing number directory, or jump to your bank below.
Routing Numbers & SWIFT Codes by Bank
- Chase routing number & SWIFT code
- Bank of America routing number & SWIFT code
- Wells Fargo routing number & SWIFT code
- Citibank routing number & SWIFT code
- U.S. Bank routing number & SWIFT code
- PNC Bank routing number & SWIFT code
- Capital One routing number & SWIFT code
- American Express routing number & SWIFT code
- Fifth Third Bank routing number & SWIFT code
- KeyBank routing number & SWIFT code
- M&T Bank routing number & SWIFT code
- Santander Bank routing number & SWIFT code
Wire vs ACH vs SWIFT — Which Number Do I Use?
- ACH routing number — for direct deposit, bill pay, and standard transfers (1–3 days)
- Wire routing number — for same-day domestic wire transfers (can differ from your ACH number)
- SWIFT/BIC code — for international (foreign) transfers into your US account
Many large banks use a different ACH routing number depending on the state where you opened your account, so always confirm yours on a check or in your banking app before sending money.
Frequently Asked Questions
Where is my routing number on a check?
It is the first 9-digit number in the bottom-left corner of a check, to the left of your account number.
Is the routing number the same for every branch?
For ACH it can vary by the state where you opened your account; the wire routing number is usually a single number per bank. Check your bank's page above for specifics.
What is a SWIFT code used for?
A SWIFT/BIC code identifies your bank for international transfers. Anyone sending you money from outside the US needs it. See your bank's routing & SWIFT page.
Related Guides
- All US bank routing numbers & SWIFT codes
- Best banks in the USA 2026
- Compare all US banks
- Find a bank branch near you
How We Verify This Data
Routing and SWIFT details are sourced from the Federal Reserve routing directory and official bank disclosures. Always confirm with your bank before transacting — see our methodology.
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