Wells Fargo routing numbers depend on which state your account is in
A routing number is a nine-digit code that tells the banking system which branch or processing center handles your account. Wells Fargo uses different routing numbers for different states and account types. You cannot use the same routing number for every Wells Fargo account — the number that works for a checking account in California will not work for a savings account in Texas.
The routing number you need depends on where you opened your account, not where you live now. If you opened a Wells Fargo account in New York five years ago and moved to Florida, you still use the New York routing number for that account.
You will need your routing number when you set up direct deposit, arrange automatic bill payments, or receive a wire transfer. Banks also ask for it when you move money between your own accounts at different institutions.
Key Takeaways
- Wells Fargo routing numbers are nine digits and vary by state, so you must find the number for the state where your account was opened.
- The fastest way to find your routing number is to look at the bottom left corner of a check from that account — it is the first set of nine digits.
- You can also call Wells Fargo customer service at 1-800-869-3557 or log into your online account to find the routing number in account details.
- Wire transfers, ACH transfers, and direct deposit all require the correct routing number for your specific account.
- If you have multiple Wells Fargo accounts opened in different states, each account has its own routing number.
Find your routing number on a check
The easiest method is to look at a check from the account you need. At the bottom left of any Wells Fargo check, you will see three groups of numbers separated by colons or vertical lines. The first group of nine digits is your routing number.
If you do not have a check, you can order one from Wells Fargo, but that takes several business days. Most people find their routing number faster through another method.
Look it up online or by phone
Log into your Wells Fargo online account or mobile app. Go to the account details or account information section — the exact location varies depending on which version of the website or app you use. The routing number appears alongside your account number.
If you prefer to call, Wells Fargo customer service is available at 1-800-869-3557. Have your account number ready. A representative can tell you the routing number in under a minute. This method works even if you do not have checks or online access set up yet.
Common routing numbers by state
Wells Fargo maintains separate routing numbers for major states. The routing number for a Wells Fargo account opened in California differs from one opened in Illinois or Florida. If you know which state your account is tied to, you can search "Wells Fargo routing number [state name]" to find it quickly.
Do not assume all Wells Fargo accounts in your state share the same routing number — some states have multiple routing numbers depending on which processing center handles the account. Always verify the routing number for your specific account rather than guessing based on your state alone.
When you need the routing number for wire transfers
Wire transfers require both the routing number and your account number. The routing number tells the sending bank which Wells Fargo processing center to send the money to. If you provide the wrong routing number, the wire may go to the wrong bank or be delayed while the system tries to correct it.
For incoming wires, you give your routing number to the person or business sending you money. For outgoing wires, Wells Fargo will ask for the receiving bank's routing number and the recipient's account number.
Setting up direct deposit with your routing number
Your employer or the organization sending you a payment will ask for your Wells Fargo routing number and account number to set up direct deposit. Provide the routing number that matches the state where your account was opened. Direct deposit typically begins within one to two pay periods after you submit the information.
If you set up direct deposit with the wrong routing number, the deposit may fail or go to a different account. Contact your employer or the sending organization right away if the deposit does not arrive on the expected date.
Automatic bill payments and ACH transfers
When you set up automatic payments from your Wells Fargo account to pay bills, you may need to provide your routing number to the biller. Some billers ask for it; others pull it from your bank information automatically. For ACH transfers between your Wells Fargo account and another bank, you will need both routing numbers — Wells Fargo's and the other bank's.
ACH transfers typically take one to three business days. If you use the wrong routing number, the transfer may be rejected or delayed while the banks sort out where the money should go.
Frequently Asked Questions
Is the routing number the same for all Wells Fargo accounts?
No. The routing number depends on the state where you opened the account. If you have multiple Wells Fargo accounts opened in different states, each one has its own routing number. Always verify the routing number for the specific account you are using.
What if I provide the wrong routing number?
The transaction may fail, be delayed, or go to the wrong account. Contact the sender or your bank immediately if a payment does not arrive. Banks can sometimes trace and recover misdirected funds, but it takes time and effort.
Can I use the same routing number for checking and savings accounts?
If both accounts were opened in the same state, they share the same routing number. The routing number identifies the bank location, not the account type. Your account number is what distinguishes checking from savings.
Do I need a routing number to transfer money between my own Wells Fargo accounts?
Not always. If both accounts are at Wells Fargo and linked in your online account, you can transfer between them without a routing number. If you are moving money from Wells Fargo to a different bank, you will need both routing numbers.
Where do I find the routing number if I do not have checks?
Log into your Wells Fargo online account or app and look in account details, or call 1-800-869-3557. Both methods show your routing number within minutes. You do not need a physical check to find it.