Fargo Bank Routing Numbers

Fargo is home to 14 banks and credit unions, each with their own ABA routing number used for identifying the institution during domestic transactions. Whether you're setting up direct deposit, scheduling a bill payment, or initiating a wire transfer, you'll need the correct routing number for your specific branch in Fargo.

Routing numbers in Fargo follow the standard 9-digit ABA format established by the American Bankers Association. The first two digits indicate the Federal Reserve district, digits 3-4 identify the processing center, digits 5-8 are the institution identifier, and the final digit is a checksum. Large national banks like Chase, Bank of America, and Wells Fargo often have different routing numbers for each state, so always verify you're using the North Dakota-specific number.

For ACH transfers (direct deposits, payroll, bill pay), processing typically takes 1-2 business days through the Federal Reserve. Wire transfers using Fedwire settle same-day but may require a different routing number at some institutions — always confirm with your bank before sending a wire.