Your Wells Fargo routing number is a nine-digit code that identifies your specific branch
The routing number tells banks and payment processors which Wells Fargo location holds your account. You need it to set up direct deposit, make wire transfers, arrange automatic bill payments, or receive ACH transfers from employers or government agencies. Wells Fargo routing numbers vary by state and account type, so the number for your checking account in California differs from one in Texas.
The fastest way to find it: look at the bottom left corner of any check you have from that account. The first nine digits are your routing number. If you do not have a check, you can retrieve it online, by phone, or by visiting a branch in person.
Key Takeaways
- Your routing number appears on the bottom left of any Wells Fargo check as the first nine-digit sequence.
- Wells Fargo routing numbers differ by state and account type, so confirm you have the correct one for your specific branch and account.
- You can find your routing number through Wells Fargo's website, by calling customer service, or by logging into your online account.
- When you provide your routing number for direct deposit or bill pay, double-check it against a check or your account details to avoid payment delays.
Finding your routing number through Wells Fargo online banking
Log into your Wells Fargo account at wellsfargo.com using your username and password. Once you are in, navigate to the account details or account information section—the exact location varies depending on whether you use the classic interface or the newer Wells Fargo Online experience.
Look for a section labeled "Account Details," "Routing Number," or "Bank Information." Your routing number will be displayed alongside your account number. Write it down or take a screenshot before you close the browser, because you will need it when you set up direct deposit or authorize a payment.
If you cannot locate it online, the next fastest option is to call Wells Fargo customer service at 1-800-869-3557. Have your account number ready, and a representative will provide your routing number over the phone.
Routing numbers vary by location and account type
Wells Fargo operates thousands of branches across the United States, and each state—sometimes each region within a state—has its own routing number. A checking account at a Wells Fargo branch in Denver uses a different routing number than one in Phoenix, even though both are Wells Fargo accounts.
Additionally, some account types (such as savings accounts or money market accounts) may use a different routing number than checking accounts at the same branch. Before you submit your routing number for direct deposit or a wire transfer, confirm that the number matches both your state and your specific account type.
If you move to a different state or open a new account at a different branch, ask Wells Fargo whether your routing number changes. In most cases it will, and using an outdated routing number can delay or misdirect your payment.
Using your routing number for direct deposit and bill pay
When your employer or a government agency (such as Social Security or the IRS) asks for your banking information to set up direct deposit, provide your Wells Fargo routing number along with your account number. The routing number directs the payment to the correct Wells Fargo location; your account number identifies your specific account within that location.
For bill pay through Wells Fargo's online banking, you typically do not need to enter your own routing number—the system already knows it. However, if you are setting up a payment to someone else's bank account (such as paying rent to a landlord), you will need their bank's routing number, not yours.
Double-check both numbers before confirming any payment. A transposed digit in the routing number can send money to the wrong bank or delay it by several business days while the error is corrected.
What to do if you cannot find your routing number
If you do not have a check and cannot access your online account, visit a Wells Fargo branch in person with a photo ID. A teller can provide your routing number immediately and can also confirm whether it applies to all your accounts or whether you have multiple accounts with different routing numbers.
You can also call Wells Fargo's main customer service line at 1-800-869-3557 and speak to a representative. Have your account number and Social Security number ready for verification. The representative will confirm your routing number and can answer questions about whether it applies to direct deposit, wire transfers, or other payment types.
Wells Fargo also publishes a list of routing numbers by state on its website, though you will still need to confirm which one applies to your specific branch and account type.
Routing numbers versus account numbers and SWIFT codes
Your routing number identifies your Wells Fargo branch within the U.S. banking system. Your account number identifies your specific account at that branch. Both are required for direct deposit and most ACH transfers.
A SWIFT code (also called a BIC code) is different and is used only for international wire transfers. Wells Fargo's SWIFT code is WFBIUS6S. If you are receiving money from outside the United States, you may need to provide your SWIFT code instead of or in addition to your routing number. Ask the sender which code they need.
For domestic payments—direct deposit, bill pay, ACH transfers between U.S. banks—use your routing number and account number only. Do not provide your SWIFT code unless the payment is crossing an international border.
Protecting your routing number from fraud
Your routing number is public information—it appears on every check you write and is published by Wells Fargo by state. Sharing it for legitimate purposes (direct deposit, bill pay, receiving a wire transfer) carries no fraud risk on its own.
However, never share your routing number along with your account number, PIN, or online banking password in response to an unsolicited email, text, or phone call. Scammers sometimes pose as Wells Fargo and request this information to gain access to your account. Wells Fargo will never ask for your password or PIN by email or phone.
If you receive a suspicious message claiming to be from Wells Fargo, do not click any links or provide any information. Instead, hang up or delete the message and call Wells Fargo directly at the number on the back of your debit card or on your account statement.
Frequently Asked Questions
Do all Wells Fargo accounts use the same routing number?
No. Routing numbers vary by state and sometimes by branch. Checking and savings accounts at the same branch may also use different routing numbers. Check your specific account details or a check from that account to confirm the correct routing number.
Can I use an old routing number if I moved to a different state?
Not reliably. If you moved and opened a new Wells Fargo account in your new state, your routing number likely changed. Contact Wells Fargo to confirm your new routing number before setting up direct deposit or bill pay with the old one.
What happens if I give someone the wrong routing number?
The payment may be rejected, delayed, or sent to the wrong bank. The sending bank will usually catch the error and return the money to the sender within one to three business days. Contact Wells Fargo and the sender immediately if this happens.
Is my routing number the same for wire transfers and ACH payments?
Usually, yes. However, some banks use different routing numbers for different payment types. Call Wells Fargo to confirm that your routing number works for the specific type of payment you are setting up.
Where do I find my routing number if I have a business account?
Business accounts use the same routing number system as personal accounts, based on location and account type. Log into your Wells Fargo business online banking, call the business customer service line, or check any business checks you have on file.