Wells Fargo routing numbers depend on which state you bank in
Wells Fargo does not have a single routing number for the entire bank. Instead, each state has its own routing number, and some states have more than one. The routing number you need depends on where your Wells Fargo branch is located, not where you live or where you are sending money.
Your routing number appears on the bottom left of your checks. If you have a checkbook, that is the fastest way to find it — it is the first nine-digit number printed at the bottom of the page. If you do not have checks or cannot locate them, you can find your routing number through your online banking account, by calling Wells Fargo customer service, or by looking it up on the Wells Fargo website using your state.
Using the wrong routing number can delay transfers or cause them to fail entirely. Money sent to an incorrect routing number may be returned to the sender or held while the bank sorts out where it should go. Always confirm your routing number before setting up direct deposit, wire transfers, or automatic bill payments.
Key Takeaways
- Wells Fargo routing numbers are organized by state, and your branch location determines which number you use.
- Your routing number appears on the bottom left of your checks as the first nine-digit number.
- You can find your routing number through your Wells Fargo online account, by phone, or on the Wells Fargo website by entering your state.
- Using the wrong routing number can delay or fail transfers, so verify before setting up direct deposit or automatic payments.
- Some states have multiple routing numbers, so confirm your specific branch location when looking yours up.
How to find your routing number online
Log into your Wells Fargo online banking account and go to the account details or account information section. Your routing number is usually listed there alongside your account number. This method works whether you use the Wells Fargo website or mobile app.
If you do not have online banking set up, you can visit the Wells Fargo website and use their routing number lookup tool. Enter your state, and the tool will show you the routing numbers for Wells Fargo branches in that state. If your state has multiple routing numbers, select the one that matches your branch location.
How to find your routing number by phone
Call Wells Fargo customer service at 1-800-869-3557. A representative can tell you the routing number for your specific branch. Have your account number ready, and let them know which branch you use or which state your account is based in.
Wait times can be long during business hours, especially early morning and midday. Calling outside of peak hours — early evening or early morning — may connect you faster. You can also visit a Wells Fargo branch in person and ask a teller for your routing number.
Why routing numbers vary by state
Routing numbers are assigned by the Federal Reserve and identify which bank and which location processes your transaction. When Wells Fargo merged with other banks over the years, it inherited multiple routing numbers across different states. Rather than consolidate them all into one number, Wells Fargo kept the existing structure.
Each routing number connects to a specific processing center. Using your correct routing number ensures your money goes to the right processing center the first time, which speeds up transfers and reduces errors. Some states have only one Wells Fargo routing number, while others have several depending on how many processing centers operate there.
Routing numbers versus account numbers
Your routing number identifies Wells Fargo and your specific branch or processing center. Your account number identifies your individual account within that branch. Both are needed for direct deposit, wire transfers, and automatic bill payments.
The routing number is the same for everyone at your branch. Your account number is unique to you. On a check, the routing number comes first (nine digits on the left), followed by your account number (usually ten to twelve digits in the middle).
Common mistakes when using routing numbers
The most common error is using a routing number from a different state or a different bank entirely. If you moved to a new state but your Wells Fargo account is still tied to your old branch, use the routing number for your old branch location, not your new state. Contact Wells Fargo if you want to transfer your account to a branch near you.
Another mistake is confusing your routing number with your account number or a transit number from an old bank. Double-check that you are copying the correct nine-digit number from the correct source. If a transfer fails, the bank will tell you whether the routing number was wrong, so you can correct it and try again.
What to do if you cannot find your routing number
If you have lost your checks, do not have online banking access, and cannot reach customer service by phone, visit a Wells Fargo branch in person. A teller can provide your routing number immediately and can also help you set up online banking so you can find it yourself in the future.
You can also contact Wells Fargo through their website's message center if you have online banking. Send a secure message asking for your routing number, and a representative will respond within one business day. This method creates a record of your request and the answer, which can be useful if you need to reference it later.
Frequently Asked Questions
Is there one routing number for all Wells Fargo accounts?
No. Wells Fargo uses different routing numbers for different states and processing centers. Your routing number depends on where your branch is located. Check your checks, your online account, or call customer service to find the correct one for your specific branch.
Can I use any Wells Fargo routing number, or does it have to be exact?
It has to be exact. Using the wrong routing number can cause transfers to fail, be delayed, or be sent to the wrong processing center. Always verify your routing number matches your branch location before setting up direct deposit or wire transfers.
Do I need a different routing number if I move to a new state?
Only if you transfer your account to a Wells Fargo branch in your new state. If your account stays with your original branch, keep using that branch's routing number even after you move. If you want to switch to a local branch, contact Wells Fargo to transfer your account.
What if a direct deposit or transfer fails because of the routing number?
The bank will usually notify you that the routing number was invalid or incorrect. Confirm the correct routing number for your branch, then resubmit the transfer or direct deposit with the correct information. The sender may need to cancel the original transaction first.
Can I find my routing number on my debit card?
No. Your debit card does not show your routing number. Check your checks, your online banking account, or call Wells Fargo customer service. The routing number only appears on checks and in your account details.