Routing Number 124071889

Routing number 124071889 is assigned to American Express National Bank, a main office located at 4315 South 2700 West, Mc: 02-02-16, Salt Lake City, Utah 84184. This nine-digit ABA routing transit number identifies American Express National Bank within the Federal Reserve's San Francisco district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (12) indicate the Federal Reserve Bank of San Francisco, digits 3-4 (40) identify the processing center, digits 5-8 (7188) are the institution identifier, and the final digit (9) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with American Express National Bank, provide your employer with routing number 124071889 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in American Express National Bank's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from American Express National Bank, in the mobile app, or by calling 801-945-6569. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 124071889 is registered for ACH transactions at American Express National Bank, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, American Express National Bank may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with American Express National Bank before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of American Express National Bank is located at 4315 South 2700 West, Mc: 02-02-16, Salt Lake City, UT 84184. American Express National Bank operates in the Federal Reserve's San Francisco district, which serves as the regional hub for monetary policy and payment processing in this area.