Citibank routing number

Citibank's multiple routing numbers reflect its long history and nationwide expansion strategy. As Citibank grew and acquired regional banks over its 200+ year history, it maintained separate routing numbers for different geographic regions. Each routing number corresponds to the Federal Reserve district where that region's transactions are processed, which helps the bank manage the massive volume of payments it handles daily across the United States.

No, you must use the routing number specific to the state where you originally opened your account. The routing number is tied to the Federal Reserve branch that processes your transactions. Using an incorrect routing number will cause delays, rejected payments, or funds being sent to the wrong account. Always verify your routing number by checking your account documents or calling Citibank at 1-800-374-9700.

For most Citibank accounts, ACH transfers (like direct deposits and bill payments) use the state-specific routing number based on where you opened your account. However, domestic wire transfers use a single routing number - 321171184 - regardless of your state. This is because wire transfers are processed through a different system (Fedwire) than ACH transfers, and Citibank centralizes all domestic wire processing through its Northern California routing number.

Check your original account opening paperwork, which will show the branch location where you opened the account. You can also log into Citibank online banking and look at your account details, or check old bank statements which typically show the branch information. If you still can't determine your account's origin state, call Citibank customer service at 1-800-374-9700 and they can look it up for you using your account number.

No, routing numbers only work for domestic U.S. transfers. For international wire transfers to or from Citibank, you must use Citibank's SWIFT code: CITIUS33XXX. This code identifies Citibank in the international SWIFT network. You'll also need to provide the recipient's full account details and may need additional information depending on the destination country.