Citizens Bank routing numbers for Massachusetts wire transfers

Citizens Bank's routing number for wire transfers from Massachusetts is 011000138. This nine-digit code tells the banking system which Citizens Bank location processes your transfer. You need it whether you're sending money out of a Massachusetts Citizens account or receiving a wire into one.

The routing number stays the same regardless of which Citizens Bank branch you use in Massachusetts — it's tied to the bank's main processing center, not to individual locations. If you're wiring money domestically (within the United States), this is the number you'll provide to your bank or to whoever is sending you money.

International wire transfers use a different identifier called a SWIFT code. Citizens Bank's SWIFT code is CTZIUS33, and you'll need this if someone outside the U.S. is wiring money to your Citizens account in Massachusetts.

Key Takeaways

  • Citizens Bank's routing number for Massachusetts wire transfers is 011000138, and it applies to all Citizens Bank branches in the state.
  • Use the routing number 011000138 for domestic wire transfers; use SWIFT code CTZIUS33 for international wires.
  • You can confirm the routing number by calling Citizens Bank customer service, checking your bank statement, or logging into your online account.
  • Wire transfers typically process within one business day once the bank receives your request, but timing depends on when you submit it and the receiving bank's schedule.

Where to find your routing number on statements and online

Your Citizens Bank statement prints the routing number in the bottom left corner of each check, displayed as the first set of numbers before the account number. If you don't have a checkbook, log into your Citizens Bank online account or mobile app — most banks display routing information in the account details or settings section.

You can also call Citizens Bank customer service at the number on the back of your debit card or on your statement. They'll confirm the routing number and answer questions about your specific account. Having your account number ready will speed up the call.

When you need the routing number versus the account number

The routing number identifies the bank; your account number identifies you within that bank. For a wire transfer, you need both. The routing number tells the system where to send the money; the account number tells Citizens Bank which account to deposit it into.

If you're sending a wire out of your Citizens account, your bank will ask for the routing number of the receiving bank (not Citizens), plus the account number at that receiving bank. If you're receiving a wire, you give the sender Citizens Bank's routing number (011000138) and your own account number.

Double-checking the routing number before you wire

Wire transfers are difficult to reverse once they leave your account, so verify the routing number before you submit the request. Confirm it against your statement, your online account, or by calling Citizens Bank directly. A single wrong digit sends your money to the wrong bank, and recovering it takes weeks or may not be possible.

If you're receiving a wire, ask the sender to confirm they have the correct routing number and your correct account number before they initiate the transfer. Most banks will not process a wire if the routing number doesn't match their records, but some will hold the money in a suspense account while they investigate — which delays your access to the funds.

Wire transfer timing and processing

Citizens Bank typically processes outgoing domestic wire transfers the same business day if you submit the request before the bank's cutoff time, usually around 2 p.m. Eastern Time. Incoming wires usually arrive within one business day, though the receiving bank's processing schedule can add time.

Weekends and bank holidays extend processing time. A wire submitted on Friday afternoon may not leave until Monday, and a wire arriving on Saturday sits in the receiving bank's queue until Monday morning. Check with Citizens Bank about their specific cutoff times for your branch or account type.

Wire transfer fees at Citizens Bank

Citizens Bank charges a fee for outgoing domestic wire transfers; the amount varies by account type and whether you're a customer or non-customer. Incoming wire transfers are typically free. Check your account agreement or call customer service to confirm the current fee for your situation.

Some Citizens Bank accounts, particularly premium checking or wealth management accounts, include a certain number of free wire transfers per month. Review your account benefits or ask your banker whether your account qualifies for any wire transfer fee waivers.

Frequently Asked Questions

Is the routing number different for each Citizens Bank branch in Massachusetts?

No. All Citizens Bank branches in Massachusetts use the same routing number: 011000138. The routing number identifies the bank's processing center, not individual branch locations. Your branch location doesn't change which routing number you use.

What's the difference between a routing number and a SWIFT code?

The routing number (011000138) is for domestic U.S. wire transfers. The SWIFT code (CTZIUS33) is for international wires from outside the United States. If someone in another country is sending you money, give them the SWIFT code, not the routing number.

Can I wire money from a Citizens Bank savings account?

Yes. The routing number is the same whether you're wiring from a checking or savings account. You'll provide your own account number so Citizens Bank knows which account to debit. Some savings accounts have limits on the number of transfers per month, so check your account terms.

What happens if I use the wrong routing number?

The wire may be rejected by the receiving bank's system, or it may be held in a suspense account while the bank investigates. Either way, the money doesn't reach the intended account, and you'll need to contact Citizens Bank to trace it. Recovery can take weeks. Always verify the routing number before submitting a wire.

Do I need the routing number to receive a wire transfer?

Yes. The person or business sending you money needs Citizens Bank's routing number (011000138) and your account number. Provide both pieces of information to anyone wiring you funds to ensure the money reaches your account.