Wells Fargo routing numbers depend on which state you bank in and what type of account you have

Wells Fargo does not use a single routing number for all customers. The routing number tied to your checking account depends on the state where you opened it and sometimes on the specific branch. For most Wells Fargo checking accounts opened in a physical branch, the routing number is printed on the bottom left of your checks — it is the first set of nine digits.

If you do not have checks or cannot read them clearly, you can find your routing number through your online banking portal, by calling Wells Fargo directly, or by looking it up on the Wells Fargo website using your state. The routing number you need is the one for ACH transfers and wire transfers, which may differ from the number used for check processing.

Key Takeaways

  • Your Wells Fargo routing number is printed on the bottom left of your checks as the first nine-digit number.
  • The routing number varies by state, so you must confirm the one for the state where your account is registered.
  • You can find your routing number by logging into your Wells Fargo online account, calling customer service, or visiting the Wells Fargo routing number lookup tool.
  • The routing number for ACH transfers and wire transfers may be different from the one printed on your checks.

Where to find your routing number on a check

The easiest way to locate your routing number is to look at a check from your Wells Fargo checking account. At the bottom of the check, you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. The second group is your account number, and the third is the check number.

If the numbers are hard to read or you do not have a check available, do not rely on guessing. An incorrect routing number will cause transfers to fail or be delayed, and in some cases the money may go to the wrong account.

How to look up your routing number online

Log into your Wells Fargo online banking account and navigate to the account details or account information section. Most accounts display the routing number alongside the account number. If you cannot find it there, you can also visit the Wells Fargo website and use their routing number lookup tool — you will need to enter your state and sometimes your city to get the correct number.

Wells Fargo also publishes a list of routing numbers by state on their website. Search for "Wells Fargo routing number" plus your state name to find the official page. Make sure you are on the legitimate Wells Fargo domain (wellsfargo.com) and not a third-party site, since routing number lookups are common targets for phishing.

Calling Wells Fargo customer service for your routing number

You can call Wells Fargo customer service at 1-800-869-3557 to speak with a representative who can confirm your routing number over the phone. Have your account number or Social Security number ready so they can pull up your account. This method is useful if you need to verify the number before sending a large transfer or if you are unsure which routing number to use for a specific type of transaction.

Wait times vary depending on the time of day and day of the week. Calling early in the morning on a weekday typically means shorter hold times than calling in the afternoon or on weekends.

Different routing numbers for different transaction types

Wells Fargo uses one routing number for checks and a different routing number for ACH transfers (electronic transfers between bank accounts) and wire transfers. The number on your checks is for check processing. If you are setting up a direct deposit, automatic bill payment, or transferring money electronically to another bank, you may need the ACH routing number instead.

When you set up an electronic transfer through another bank or employer, that institution will usually tell you which routing number to use. If they do not specify, ask them directly or contact Wells Fargo to confirm. Using the wrong routing number for the wrong transaction type can cause delays or failed transfers.

What to do if you cannot find your routing number

If you have lost your checks, do not have online access to your account, and cannot reach customer service by phone, you can visit a Wells Fargo branch in person with a valid ID. A teller can provide your routing number and account number when ready. Bring your ID and be prepared to answer security questions to confirm your identity.

You can also contact Wells Fargo through their website by submitting a find message through your online account if you have access to it. Response times for find messages are typically one to two business days.

Frequently Asked Questions

Is the routing number on my check the same for all Wells Fargo accounts?

No. The routing number depends on the state where your account is registered. If you have accounts in multiple states, each one may have a different routing number. Always use the routing number for the specific account you are transferring from or to.

Can I use the same routing number for a wire transfer and an ACH transfer?

Not always. Some institutions use the same number for both, but Wells Fargo may use different routing numbers depending on the transaction type. When you initiate a transfer, the receiving bank or your employer will tell you which one to use. If you are unsure, contact Wells Fargo directly.

What happens if I use the wrong routing number?

The transfer may fail and be returned to your account, or it may go to a different bank or account. In either case, you will likely experience a delay of several business days. Contact the institution that sent the transfer when ready if you suspect you used the wrong number.

Do I need a routing number to set up direct deposit?

Yes. Your employer or the organization sending the direct deposit will ask for your routing number and account number. Provide the routing number from your Wells Fargo checking account — it is printed on your checks or available through online banking.