Citibank Routing Number: Find the Right One for Your Account

What is the Citibank routing number?

Citibank's routing number system reflects its history as one of the oldest continuously operating banks in the United States. Founded in 1812 as the City Bank of New York, Citi expanded domestically and internationally over two centuries, acquiring banks in multiple states along the way. Each of those acquisitions introduced new routing numbers that Citi maintained to avoid disrupting existing customer payment setups.

Unlike some competitors that consolidated into fewer routing numbers, Citibank has retained a significant number of state- and region-specific routing numbers. Your routing number depends on both where you opened your account and, in some cases, the type of account you hold.

Citibank routing numbers by state

California (Northern): 321171184. California (Southern): 322271724. Connecticut: 221172610. Florida: 266086554. Illinois: 271070801. Maryland: 052002166. Nevada: 322271724. New Jersey: 021272655. New York (New York City metro): 021000089. New York (other): 021000089. Virginia: 254070116.

If you opened your account online (rather than at a branch), your routing number is typically the one associated with Citibank's primary market - 021000089 (New York). For Citigold and Citi Priority accounts, the routing number may differ from standard checking. Confirm your specific routing number through online banking or by calling 1-800-374-9700.

Citibank wire transfer routing number

For domestic wire transfers, Citibank generally uses 021000089 regardless of state. Incoming international wires use SWIFT code CITIUS33. Citibank has an extensive international presence, so cross-border wires often benefit from their direct correspondent banking relationships, which can reduce intermediate fees.

Domestic wire transfer fees at Citibank range from $25 for Citigold members to $35 for standard accounts. International outgoing wires range from $35 to $45 depending on account tier.

Finding your Citibank routing number

In the Citi mobile app, navigate to your account and tap the account details section. On Citi's website, log in and click on the account to expand its details, where the routing number is displayed alongside your account number. Physical checks carry the routing number in the standard bottom-left position.

Citibank's customer support can also verify your routing number over the phone. This is worth doing before setting up a high-value wire transfer or a recurring ACH payment, especially if you hold accounts in multiple states or if your account predates a branch consolidation.

Citibank for business ACH and direct deposit

For ACH transactions, use the routing number assigned to your specific account. This applies whether you're receiving direct deposits from an employer, setting up autopay for bills, or initiating ACH debits or credits through a business account. Citibank processes most ACH transactions on a next-business-day basis, though Same Day ACH is available for qualifying transfers.

Businesses using Citibank commercial accounts should note that commercial routing numbers may differ from retail routing numbers even within the same state. Verify your commercial routing number through CitiDirect or your relationship manager.

How Slash makes business payments straightforward

Business accounts at large banks like Citibank come with complex fee schedules, multiple routing numbers, and legacy systems that can slow down payment operations. Slash takes a different approach: one account, one set of payment rails, and real-time visibility into every transaction. Whether you're sending ACH payments to vendors, receiving wire transfers from clients, or issuing virtual cards for team spending, everything lives in a single dashboard.

For growing businesses that need to move fast without worrying about which nine-digit number to use for which transfer, Slash is built for the way modern companies actually operate.