Wells Fargo's routing number depends on which state your account is in
Wells Fargo does not have a single routing number for the entire bank. Instead, the bank uses different routing numbers based on the state where your account was opened or where your branch is located. This matters because the routing number tells the financial system exactly which Wells Fargo location to send money to.
The routing number is a nine-digit code that identifies your specific bank and branch in the payment system. When you set up a direct deposit, send a wire transfer, or arrange an automatic payment, you need the correct routing number for your state. Using the wrong one can delay the transaction or send the money to the wrong place.
The most common Wells Fargo routing numbers are 121000248 (used in many states including California, Texas, and New York) and 091000019 (used in some other states). However, Wells Fargo has dozens of routing numbers across the country, so you need to confirm which one applies to your account.
Key Takeaways
- Wells Fargo routing numbers vary by state, so the number for your account depends on where your branch is located, not where you live now.
- The routing number 121000248 covers many states including California, Texas, New York, and Florida, but you should verify it matches your account.
- You can find your routing number on the bottom left of your checks, in your online banking portal under account details, or by calling Wells Fargo customer service.
- If you opened your account at a Wells Fargo branch in one state and moved to another, your routing number stays the same unless you transfer the account.
Where to find your routing number on a check
The fastest way to find your routing number is to look at a check from your Wells Fargo account. The routing number appears as the first nine digits on the bottom left of the check, before your account number.
The check layout is standardized across all banks. The nine-digit code on the far left is the routing number. The next set of digits (usually longer) is your account number. The last number on the right is the check number. If you do not have checks or cannot read them clearly, use one of the other methods below.
Finding your routing number online or by phone
Log into your Wells Fargo online banking account and go to the account details or account information section. Most accounts display the routing number alongside your account number. The exact location varies slightly depending on whether you use Wells Fargo's website or mobile app, but it is usually under "Account Details," "Account Information," or "Routing and Account Numbers."
If you do not have online access or prefer to speak with someone, call Wells Fargo customer service at 1-800-869-3557. Have your account number ready. A representative can confirm your routing number in seconds and can also tell you if your account uses a different routing number than the standard one for your state.
Common Wells Fargo routing numbers by region
| Routing Number | States Typically Served |
|---|---|
| 121000248 | California, Texas, New York, Florida, Illinois, Pennsylvania, and others |
| 091000019 | Colorado, Wyoming, and surrounding states |
| 121202211 | Some accounts in specific regions |
| 121042882 | Certain Wells Fargo locations and account types |
This table shows the most frequently used Wells Fargo routing numbers, but it is not complete. Wells Fargo operates dozens of routing numbers across the country. The routing number tied to your account depends on where you opened it and how the bank has organized its operations in your region.
Do not assume your routing number based on your state alone. Always verify using your checks, online banking, or a phone call to Wells Fargo. Using an incorrect routing number can cause a transaction to fail or be delayed by several business days.
Why routing numbers matter for transfers and direct deposits
The routing number is part of the address for your bank account. When your employer sets up direct deposit, they use your routing number and account number to tell their bank where to send your paycheck. When you pay a bill online, the routing number directs the payment to the correct Wells Fargo location.
Wire transfers also require the correct routing number. If you send money to someone else's Wells Fargo account or receive a wire from outside the bank, the routing number ensures the money reaches the right branch and account. A mistake here can send the money to the wrong bank or delay it for days while the error is corrected.
Automatic payments (like mortgage or loan payments) use the routing number to debit your account on the scheduled date. If the routing number is wrong, the payment may fail, and you could face late fees or damage to your credit.
What to do if you cannot find your routing number
If you have lost your checks and do not have online banking access, call Wells Fargo at 1-800-869-3557. You will need to verify your identity with your account number, Social Security number, or other information. The representative will provide your routing number when ready.
You can also visit a Wells Fargo branch in person with a photo ID and ask a teller for your routing number. This takes a few minutes and requires no advance notice.
Do not search for your routing number on unofficial websites or third-party apps. While some sites list routing numbers, they may be outdated or incorrect. The safest sources are your checks, Wells Fargo's official website, the Wells Fargo mobile app, or a call to customer service.
Frequently Asked Questions
Does Wells Fargo have the same routing number for checking and savings accounts?
Yes. Both checking and savings accounts at Wells Fargo use the same routing number based on your state and branch. The routing number identifies the bank location, not the account type. Your account number is what distinguishes between your checking and savings accounts.
What if I moved to a different state after opening my Wells Fargo account?
Your routing number does not change when you move. It stays tied to the state and branch where you originally opened the account. If you want to change it, you would need to close the account and open a new one at a Wells Fargo branch in your new state, but this is not necessary for the account to work.
Can I use 121000248 for any Wells Fargo account?
121000248 is the most common Wells Fargo routing number and works for many accounts across multiple states. However, some accounts use different routing numbers depending on when and where they were opened. Always verify your specific routing number before setting up direct deposit or a wire transfer.
What happens if I use the wrong routing number?
The transaction may fail, be rejected by the receiving bank, or be delayed while the error is corrected. In some cases, the money may be sent to a different Wells Fargo account or branch. Contact Wells Fargo when ready if you realize you used the wrong routing number, and provide the correct one to the sender or payee.