Wells Fargo Routing Numbers: State Listings, Wire Transfers, and More[2024]

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A simple series of digits can be the key to successful transactions in banking and finance. These digits, known as routing numbers, ensure money is transferred accurately and efficiently between accounts. Particularly for Wells Fargo, one of the largest banking institutions in the United States, understanding and using the correct routing number is essential for personal and business banking transactions.

This guide offers a comprehensive look into Wells Fargo routing numbers, covering why they vary, how to find them, and their importance in different banking scenarios. Whether setting up direct deposits, making wire transfers, or simply managing your finances, this guide is essential for navigating Wells Fargo’s banking system.

Understanding Wells Fargo Routing Numbers 

What Is a Routing Number?

A routing number, or a routing transit number (RTN) or ABA number, is a nine-digit code the American Bankers Association assigns. This code serves as an identifier for financial institutions in monetary transactions​​. Its primary purpose is to direct the flow of funds to the correct bank, ensuring accuracy and efficiency in processing.

Historical Context and Modern Relevance

The concept of routing numbers dates back to the early 20th century, designed to simplify the process of sorting and shipping paper checks. Although the form of transactions has evolved in today’s digital age, the importance of routing numbers remains significant. These numbers facilitate electronic transactions, including payroll direct deposits, tax refunds, government benefits, ACH payments, and wire transfers. Understanding the specific routing number for your bank and account type is vital to ensure smooth financial operations.

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How Wells Fargo Routing Numbers Vary 

Factors Influencing Routing Number Variations

Like other financial institutions, Wells Fargo assigns different routing numbers based on several factors. The primary factors include the type of account, the location where the account was opened, and the specific transaction type. This system helps in organizing and processing transactions accurately​​.

Account Location and Type Impact

For instance, the routing number assigned to a Wells Fargo account holder in Idaho differs from that of an account holder in New York. This distinction is essential as it reflects the bank’s internal routing of transactions and ensures that funds reach their intended destination without confusion or delay​​.

Wells Fargo Routing Numbers by State/Territory

Wells Fargo assigns routing numbers based on the account type and the geographical location where the account was opened. This aspect is particularly crucial because some states might share the same routing number while others have distinct ones. For example, an account opened in California will have the same routing number as one in West Virginia, while Colorado and Georgia will each have unique numbers. Understanding these variations is essential for state-specific transactions​​.

Comprehensive State-by-State List

Here’s a detailed list of Wells Fargo routing numbers based on the state or territory of account opening:

StateWells Fargo Routing Number
Alabama062000080
Alaska125200057
Arizona122105278
Arkansas111900659
California121042882
Colorado102000076
Connecticut021101108
Delaware031100869
Florida063107513
Georgia061000227
Hawaii121042882
Idaho124103799
Illinois071101307
Indiana074900275
Iowa073000228
Kansas101089292
Kentucky121042882
Louisiana121042882
Maine121042882
Maryland055003201
Massachusetts121042882
Michigan091101455
Minnesota091000019
Mississippi062203751
Missouri113105449
Montana092905278
Nebraska104000058
Nevada321270742
New Hampshire121042882
New Jersey021200025
New Mexico107002192
New York026012881
North Carolina053000219
North Dakota091300010
Ohio041215537
Oklahoma121042882
Oregon123006800
Pennsylvania031000503
Rhode Island121042882
South Carolina053207766
South Dakota091400046
Tennessee064003768
Texas111900659
Texas — El Paso112000066
Utah124002971
Vermont121042882
Virginia051400549
Washington125008547
Washington, D.C.054001220
West Virginia121042882
Wisconsin075911988
Wyoming102301092
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This extensive List highlights the specific routing numbers assigned to each state and territory, ensuring you can easily find the correct number for your account location.

Special Cases and Miscellaneous Numbers 

Wells Fargo also has unique routing numbers for particular scenarios. For instance, the Command Asset Program and the Wells Fargo EasyPay Card each have their unique routing numbers:

  • Command Asset Program: 102307164
  • Wells Fargo EasyPay Card: 031302777

These numbers cater to the specific needs of these programs and ensure that transactions related to them are processed smoothly and accurately​​.

Wells Fargo Wire and International Transfer Routing Numbers 

Wire transfers within the United States and internationally require specific routing numbers due to their unique processing needs. For domestic wire transfers, Wells Fargo uses the routing number 121000248. This number helps speed up the processing of wire transfers within the country.

Wells Fargo uses the SWIFT code WFBIUS6S instead of a routing number for international wire transfers. The SWIFT code is essential for global financial communications and helps identify the specific bank involved in the transfer​​​​.

Using the correct routing number or SWIFT code for wire transfers is crucial. It ensures your money reaches the right destination without unnecessary delays or complications. Especially for international transfers, the SWIFT code plays an essential role in the global banking network.

Wells Fargo Routing Numbers

Wells Fargo Line of Credit Routing Number 

Your Wells Fargo routing number also varies depending on the line of credit. Different lines of credit have separate routing numbers, and it’s essential to use the correct one to ensure the accurate processing of transactions related to your credit line.

Here’s a table showing different routing numbers for various Wells Fargo lines of credit:

173000228
3104000058
38122105278
7291300010
8292905278
8391400046
114121042882
117122000247
119124002971
163102000076
20391101455
30091000019
433112000066
451102000076
55274900275
55341215537
569125200057
585107002192
650, 651, 654121042882
661, 662, 663321270742
72775911988
737102100918
742, 743122101191
74671101307
748, 768122101191
808111900659
810102301092
825321270742

This table helps identify the correct routing number for your specific line of credit, further illustrating the complexity and precision required in financial transactions​​.

How to Find Your Wells Fargo Routing Number

The easiest and most convenient way to find your Wells Fargo routing number is through your online banking account. The process is straightforward whether you’re accessing your account via a desktop or mobile device. The routing number is typically in the account information or settings section​​.

If you still use paper checks, your routing number can be found at the bottom left corner of the check. It’s usually printed in a unique font and is the first set of numbers, different from your account and check numbers​​.

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Conclusion 

In conclusion, understanding and using the correct Wells Fargo routing number is vital for smooth and efficient banking transactions. Whether setting up a direct deposit, making a wire transfer, or managing your line of credit, knowing your specific routing number ensures that your financial activities are processed accurately. This guide is a comprehensive resource to navigate the complexities of routing numbers within the Wells Fargo banking system.

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