Wells Fargo routing numbers depend on which state you bank in
Wells Fargo does not have a single routing number for the whole bank. Instead, each state has its own routing number, and some large states have more than one. The routing number you need is the one for the state where your specific Wells Fargo branch is located, not where you live or work.
A routing number is a nine-digit code that tells other banks which Wells Fargo branch holds your account. You need it when you set up direct deposit, arrange a wire transfer, or give someone permission to pull money from your account automatically. Using the wrong routing number can delay or misdirect a payment.
The fastest way to find your routing number is to look at the bottom left corner of any check from your account — it is the first set of numbers printed there. If you do not have a check, you can call Wells Fargo customer service or log into your online account.
Key Takeaways
- Your Wells Fargo routing number appears on the bottom left of any check you have from that account.
- The routing number varies by state, so you need the one for the state where your branch is located.
- You can find your routing number by calling Wells Fargo customer service, logging into your online account, or visiting a branch in person.
- Using the correct routing number matters for direct deposit, wire transfers, and automatic payments.
How to find your routing number on a check
Look at any check from your Wells Fargo account. At the bottom of the check, you will see numbers printed in a special magnetic ink. The first group of nine digits is your routing number. It comes before your account number, which is the longer set of digits that follows.
If the numbers are hard to read or your checks are old, the routing number may have changed — Wells Fargo has consolidated some routing numbers over the years. In that case, use one of the other methods below to confirm you have the current one.
Finding your routing number online or by phone
Log into your Wells Fargo account on the bank's website or mobile app. Go to the section for account details or account information. Your routing number is usually listed there alongside your account number. Some accounts show it under "bank details" or "transfer information."
If you prefer to call, dial the customer service number on the back of your Wells Fargo debit card or the number listed on your statement. A representative can tell you your routing number over the phone and confirm it is current for your branch location.
You can also visit your local Wells Fargo branch in person and ask a teller for your routing number. They can print it for you or write it down.
Why routing numbers vary by state
Wells Fargo acquired many smaller regional banks over the years, and each one had its own routing number. Rather than consolidate everything into one number, Wells Fargo kept the regional routing numbers in place. This means California has different routing numbers than Texas, and New York has different ones than Florida.
The routing number tied to your account reflects the state where your branch operates, not where you opened the account or where you live now. If you move to a different state but keep the same Wells Fargo account, your routing number does not change — it stays tied to your original branch location.
Common situations where you need your routing number
Your employer or a government agency will ask for your routing number when they set up direct deposit of your paycheck or a benefit payment. You also need it if you are sending a wire transfer from another bank to your Wells Fargo account, or if you want to set up an automatic payment from your Wells Fargo account to pay a bill.
Some online payment services ask for your routing number to verify your bank account before you can transfer money. Always double-check that you are entering it correctly — a single wrong digit can send money to the wrong place.
What to do if you cannot find your routing number
If you do not have a check, cannot log into your account, and do not want to call, you can search for your routing number on the Wells Fargo website. The bank publishes a routing number lookup tool where you enter your state and it shows you the routing numbers for that state.
Keep in mind that if you have an older account or moved your account between branches, the routing number on file might not match what the lookup tool shows. In that case, calling customer service is the safest option — they can confirm which routing number is actually tied to your specific account.
Frequently Asked Questions
Do I need a different routing number if I have multiple Wells Fargo accounts?
No. All your Wells Fargo accounts at the same branch use the same routing number. The routing number is tied to your branch location, not to individual accounts. Your account number is what distinguishes one account from another.
Can I use any Wells Fargo routing number, or does it have to match my branch?
You should use the routing number for the state where your branch is located. Using a different state's routing number can cause delays or send money to the wrong place. If you are unsure which state your branch is in, check your account statement or call customer service.
What if I moved to a new state but kept my Wells Fargo account?
Your routing number does not change when you move. It stays tied to your original branch location. You can keep using the same routing number for direct deposit and transfers, even if you now live in a different state.
Is the routing number the same for Wells Fargo checking and savings accounts?
Yes. Both your checking and savings accounts at the same Wells Fargo branch share the same routing number. The account number is what tells the bank which specific account the money should go into.