Wells Fargo's routing number depends on which state your account is in

Wells Fargo does not have a single routing number for the entire bank. Instead, the number changes based on the state where your branch is located. The routing number is a nine-digit code that tells the banking system which Wells Fargo location to send money to when you receive a wire transfer, direct deposit, or ACH payment.

If you need to receive money — whether a paycheck, tax refund, or payment from someone else — you will need to give them the routing number that matches your account's home state. Using the wrong state's routing number can delay the deposit or send it to the wrong place.

The most common Wells Fargo routing numbers are 121000248 (for most states) and 121042882 (for some western states), but the exact number depends on where your account was opened or is primarily held.

Key Takeaways

  • Wells Fargo routing numbers vary by state, so you must know which state your account is registered in before you can find the correct number.
  • The routing number appears on the bottom left of your checks, before your account number.
  • You can find your routing number by logging into your Wells Fargo online account, calling customer service, or visiting your local branch.
  • Using the wrong routing number can delay deposits or cause money to be sent to an incorrect account.
  • The routing number is different from your account number and is the same for all customers at that Wells Fargo location.

How to find your routing number on a check

The easiest way to locate your Wells Fargo routing number is to look at a check from your account. At the bottom left of the check, you will see nine digits printed in a specific order: the routing number comes first, followed by your account number, then the check number.

The routing number is always nine digits long and appears in a box or is clearly separated from the other numbers. If you do not have a check handy, this method will not work, but any check from your account will show the correct routing number for your state.

Finding your routing number online or by phone

Log into your Wells Fargo online account and go to the account details or account information section. Many accounts display the routing number directly on the account summary page, though the exact location varies depending on whether you are using the website or mobile app.

If you cannot find it online, call Wells Fargo customer service at 1-800-869-3557. Have your account number ready, and a representative can tell you your routing number in seconds. You can also visit any Wells Fargo branch in person and ask a teller for your routing number.

Common Wells Fargo routing numbers by region

While Wells Fargo has different routing numbers for different states, a few numbers cover large regions. The routing number 121000248 is used for accounts in most states across the country. The routing number 121042882 covers accounts in some western states, including California, Nevada, and Utah.

However, do not assume your routing number based on your state alone. Some states have multiple routing numbers, and the only way to be certain is to check your check, your online account, or call the bank. Giving someone the wrong routing number can cause a deposit to fail or be delayed by several business days.

What to do if you receive money from outside the United States

International wire transfers to a Wells Fargo account require additional information beyond the routing number. You will need to provide your account number, the bank's SWIFT code (which is WFBIUS6S for Wells Fargo), and sometimes your full name and address exactly as it appears on your account.

Some international senders may also ask for an IBAN (International Bank Account Number), though U.S. bank accounts do not use IBANs. If someone sending you money from abroad asks for an IBAN, direct them to use the routing number and SWIFT code instead, or contact Wells Fargo directly for the correct information.

Routing number versus account number

The routing number and account number are two separate pieces of information, and it is important not to confuse them. The routing number identifies which bank and branch the money should go to. Your account number identifies which specific account within that bank should receive the money.

Both numbers appear on your checks in order: routing number first (nine digits), then account number (usually ten to twelve digits). When you set up direct deposit or authorize an ACH payment, you will need to provide both numbers. Giving the correct routing number but wrong account number will send the money to the wrong person's account at Wells Fargo.

Frequently Asked Questions

Is the routing number the same for all Wells Fargo customers?

No. All Wells Fargo customers in the same state share the same routing number, but customers in different states have different routing numbers. The routing number is tied to the state where your account is held, not to you personally.

Can I use the same routing number for wire transfers and direct deposit?

Yes. The routing number works for all types of electronic transfers into your account, including wire transfers, ACH payments, and direct deposits. You do not need different numbers for different transfer types.

What happens if I give someone the wrong routing number?

The money may be sent to a different Wells Fargo branch or rejected by the system entirely. The sender will usually be notified of the error, and the funds may be returned to them. Contact Wells Fargo immediately if you realize you gave out the wrong routing number.

Do I need a routing number to send money out of my Wells Fargo account?

No. You only need a routing number when someone is sending money to your Wells Fargo account. When you send money out, you provide the recipient's routing number and account number instead.