They have over 7,200 locations, more than 13,000 ATMs, and over 70 million customers! With all these different locations and customers it makes sense that Wells Fargo has a long list of routing numbers that vary depending on where you opened your account, the type of transaction you are performing, and the type of account you have.

Why Do You Need the Wells Fargo Routing Number?

There are many reasons you may need to find the routing number of Wells Fargo. Some of the most common reasons include:

• You need to set up direct deposit into your Wells Fargo account
• You will want to have the Wells Fargo routing number in order to deposit your paycheck
• You are sending a wire transfer to and from your Wells Fargo account

No matter the reason you are looking for it, we’ll help you find it. Here’s a list of all the routing numbers by state and territory to make it as easy as possible for you.

Wells Fargo Routing Number by State and Territory List

It is important to note that the routing number is tied to the location where you first opened your Wells Fargo account, and not necessarily the state that you currently reside in. If you have moved since opening your account, make sure to use the routing number from the state where you opened your account.

Source: Wells Fargo

Can Routing Numbers for Wells Fargo Change?

Yes. Depending on the size of a banking institution they can be assigned one or more routing numbers. Wells Fargo is headquartered in California, but they have branches all across the United States. As they grew it happened through opening and acquiring new locations. Along the way instead of wiping out the infrastructure of the smaller banks they acquired, they instead absorbed it into their own. Thus leading to many routing numbers. It’s also beneficial to have a lot of routing numbers because it increases the speed at which a transaction can be routed and processed. If you are unsure about the routing number for your location, the best option is to call in to your branch and ask a Wells Fargo employee.

Additional Wells Fargo Routing Numbers

Wells Fargo Line of Credit Routing Numbers

Lines of credit are more often used by businesses but are also available to the individual account holder. A line of credit is a flexible loan that gives borrowers access to a predetermined amount of money. The cool thing about a line of credit is that it can either be borrowed immediately or you can withdraw a portion at a time. A lot of real estate investors use lines of credit for flips and renovations.

Once you have borrowed money that is when interest starts to accrue, and the loan can be paid back on a schedule, or all at once. This also makes it convenient for business owners that might use a line of credit for merchandise purchasing, and can pay it off as soon as they sell through their order.

Routing numbers for lines of credit are determined by the first three digits of your account number.

Source: Wells Fargo

Wells Fargo Routing Numbers for Wire Transfers

Wire transfers sound fancy, right? All they really are is a quick way to move money electronically directly from one account to another. They are also known as bank transfers or bank wires. A wire transfer is most like paying someone on Venmo or Zelle but is usually used for larger sums of money.

The routing numbers for wire transfers are separate from the other routing numbers to give priority to wire transfers in the queue of money that needs to be moved from account to account.

Wells Fargo Domestic (Inside the United States): 121000248

Wells Fargo International (Outside the United States): WFBIUS6S (SWIFT Code)

Note: For all international transfers, the Wells Fargo SWIFT code should be used and not a routing number.

Wells Fargo Command Asset Program Routing Numbers

Most banks have an investment arm, and the investment arm of Wells Fargo is named Wells Fargo Advisors. It is actually not a bank; the official term is a non-bank affiliate. Wells Fargo Advisors is one of the largest financial advising businesses in the United States. The way that Wells Fargo Advisors works, is that they set up their customers with a program called the Command Asset Program. This allows the customer to receive direct deposits and have them directly associated with their investment account.

Wells Fargo Command Asset Program Routing Number: 102307164

Wells Fargo EasyPay Card Routing Number

Currently, the Wells Fargo EasyPay Card is not available to new applicants but is still usable for those who already have one. It is a prepaid, reloadable debit card. There are a few ways to reload the card, like direct transfers from your existing Wells Fargo account or external bank accounts, depositing checks, or direct deposits.

Wells Fargo EasyPay Card Routing Number: 031302777

What is a Routing Number?

A routing number is a nine-digit code that is derived from the location and financial institution where an account was originally opened. You will frequently hear it referred to as the ABA Routing Transit Number (ABA RTN).

The American Bankers Association created the ABA transit numbers in 1910 to determine check processing endpoints. In the following 100+ years, those numbers uses have expanded to:

• Clear checks between financial institutions
• Facilitate online banking
• Automate clearinghouses

The last digit of the routing number is actually the result of a complex mathematical equation known as a checksum. The checksum is there as a safety precaution. If the checksum doesn’t add up correctly the transfer is actually marked for manual processing, which as you can guess takes a lot longer.

What Do You Use a Routing Number For?

A routing number is used to help identify where money should be transferred to and from during a financial transaction. Here are a few examples of transactions that require a routing number to be performed:

• Wiring money via wire transfer
• Setting up direct deposit (to get your paycheck)
• Connecting financial services together (Venmo, Zelle, PayPal, etc)

How Do I Find My Wells Fargo Routing Number?

If you were unable to find the routing number you needed here are a few other places to look.

1. The first nine-digit number in the bottom left corner of a check
2. Using the Wells Fargo website
3. Locating it on your monthly bank statement
4. Using the Wells Fargo app
5. Calling the Wells Fargo customer service line
6. The Federal Reserve Banks’ E-Payments Routing Directory

Using the Wells Fargo App

You can easily use the Wells Fargo App to find your routing number as well. To do so follow these steps:

1. Open the Wells Fargo App (iOS or Android)
2. Sign in to your account
3. Navigate to your account (sometimes this is the main screen)
4. Tap with your finger where it says “Show more detail”
5. Tap with your finger where it says “Routing numbers”
6. The screen will now display the correct routing numbers for domestic wire transfers, electronic payments, and direct deposits

ACH vs Wire Transfer Routing Number

ACH and Wire Transfer Routing Numbers are both nine digits long, but they mean very different things. The ACH numbers are the majority of the numbers provided above. Wire transfer routing numbers are usually one number per institution for domestic wires, and one number for international transactions. Wires usually have a higher cost associated with them, but arrive a lot faster. Most financial institutions will not charge you for ACH transfers, but they usually will take a few days longer than a wire.

Double-check Your Routing Number

Before you proceed with any financial transaction, make sure to check and double-check your routing number. If you get the routing number incorrect, your money will go to the wrong place and nobody wants that. Always feel free to call the 24/7 Wells Fargo support line. Better safe than sorry!

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