How to find your Citizens routing number and account number

What is my Citizens routing number and account number?

A routing number is a nine-digit code that uniquely identifies your financial institution. Banks started using routing numbers in the early 20th century to streamline transactions and reduce the chance of errors. As the banking industry has evolved, so has the use of routing numbers.

An account number is a string of numbers and sometimes other characters or letters that identify a specific account within a financial institution. If you have multiple accounts within the same bank, like a savings account and a checking account, each account will have its own unique number.

Both the routing number and account number are printed on any paper checks you have. If you don't have checks, you can find your routing number through online banking, in the mobile app or using the quick reference chart below.

How to find your routing and account numbers

Your bank routing number is the first nine-digit number on the bottom left corner of each check. It's enclosed between the |: and |: symbols.

Note: Your checking account number appears to the right of the routing number.

How to find your routing and account numbers without a check

If you don't use paper checks, you can easily look up your Citizens routing and account numbers, either on the website or through our mobile app.

Online

If you have online access to your Citizens checking or savings account, follow the steps below:

1. Go to Citizens.com and log into your account.
2. Click "My Accounts."
3. Click the appropriate account number.
4. See your routing number in the "Account Details" section.

Your account number will also be listed under "Account Details" — click "View" to see the full number.

On the mobile app

Once you are in the mobile app, navigate to the accounts menu and select the account for which you need the routing number. At the top of the screen, under the available balance, click "Show Account Info" and your account number and routing number will be displayed. For more information, use this interactive demo.

When do I need my routing number?

There are a variety of reasons you may need your routing number, either to receive or send payment. Some common scenarios include:

• Setting up direct deposit with your job
• Setting up automatic bill payments
• Paying your mortgage or other loans
• Sending or receiving wire transfers
• Paying your taxes or getting a tax refund
• Linking one bank account to another
• Linking your bank to a payment app, such as Venmo, PayPal or Zelle¹

Is a transit or ABA number the same as a routing number?

In some cases, you may be asked to provide your bank's ABA number or transit number. Those are two other names for a routing number. ABA stands for American Bankers Association, the organization that first developed and still issues routing numbers to eligible financial institutions.

Is a SWIFT code the same as a routing number?

An ABA routing number works if you want to send or receive money in the U.S. If you want to send money to a company or individual in another country, a SWIFT code comes into play. Your bank's SWIFT code won't be the same as its routing number. Usually, SWIFT codes contain eight or 11 digits.

SWIFT stands for the Society for Worldwide International Financial Telecommunications, which many banks use when transferring money over borders. SWIFT is an intermediary that facilitates the transfer process but doesn't perform the transfers itself.

Routing numbers by state

This reference chart shows all of the Citizens routing numbers. Your routing number is based on the state where you opened the bank account.

Manage your Citizens accounts online

You can do more with your Citizens account online than look up your routing and account numbers. Use our online and mobile banking app to pay bills, deposit checks or redeem rewards. Digital Insights helps you stay on top of your finances and get ready for what's next in life.

Fraud protection measures and security features like encryption keep your data safe and sound.

Get started managing your Citizens accounts online today.