Wells Fargo's routing number depends on which state your account is in
Wells Fargo does not have a single routing number for the entire bank. Instead, each state has its own routing number, and some large states have multiple numbers based on the branch location or account type. The most commonly used routing number is 121000248, which works for most Wells Fargo accounts opened in California, and it often works for transfers from other states as well. However, to be certain you have the correct number for your specific account, you should check your own bank documents or contact Wells Fargo directly rather than relying on a general number.
The routing number is a nine-digit code that tells the banking system which bank and which branch location should receive your money during an ACH transfer, wire transfer, or direct deposit setup. Using the wrong routing number can delay your payment by one to three business days, or in some cases send the money to the wrong account entirely. Wells Fargo's routing numbers are assigned by the Federal Reserve and are public information, but the one tied to your specific account depends on where you opened it and what type of account you hold.
Key Takeaways
- Wells Fargo's routing number varies by state, and the number 121000248 is the most widely accepted but may not be correct for your specific account.
- The fastest way to find your correct routing number is to check the bottom left corner of your checks, call Wells Fargo at 1-800-869-3557, or log into your online account.
- Using an incorrect routing number can delay an ACH transfer by one to three business days or send money to the wrong account.
- Wire transfers and ACH transfers may require different routing numbers in rare cases, so confirm which type of transfer you are making before you provide the number.
Where to find your routing number on your checks
If you have Wells Fargo checks, your routing number is printed on the bottom left of every check, before your account number. The nine-digit code appears in a specific order: the routing number comes first, then your account number, then the check number on the far right. This is the most reliable way to find your routing number because it is tied directly to your account and branch.
If you no longer have checks or have not ordered them yet, this method will not work. In that case, move to one of the other options below.
How to find it through your Wells Fargo online account or mobile app
Log into your Wells Fargo account on the website or mobile app and navigate to the account details or account information section. The exact path varies slightly depending on whether you use the website or app, but it is usually labeled "Account Details," "Account Information," or "Routing Number." Wells Fargo displays your routing number alongside your account number in this section. This method works for any account type—checking, savings, or money market—and gives you the number tied to your specific account.
If you cannot find this section or are not sure how to navigate to it, the next method is faster.
Calling Wells Fargo customer service
Call Wells Fargo at 1-800-869-3557 and tell the representative you need your routing number. Have your account number or the phone number associated with your account ready. The representative will confirm your identity and provide your routing number within seconds. This is the fastest method if you need the number immediately and do not have access to your checks or online account. The phone line is open Monday through Friday during business hours and Saturday mornings, though hours vary by time zone.
Wells Fargo routing numbers by state
Below is a table of the most commonly used Wells Fargo routing numbers by state. However, this table is not exhaustive—some states have multiple routing numbers, and your specific number may differ from the one listed here. Always verify your routing number through your checks, online account, or by calling Wells Fargo before you initiate a transfer.
| State | Routing Number |
|---|---|
| Alabama | 061000104 |
| Arizona | 122105278 |
| California | 121000248 |
| Colorado | 102001017 |
| Connecticut | 011000138 |
| Delaware | 031000084 |
| Florida | 067000007 |
| Georgia | 061000104 |
| Illinois | 071000013 |
| Indiana | 074000010 |
| Iowa | 073000288 |
| Kansas | 101000187 |
| Kentucky | 061000104 |
| Louisiana | 061000104 |
| Massachusetts | 011000138 |
| Michigan | 072000096 |
| Minnesota | 091000019 |
| Missouri | 081000210 |
| Nevada | 122105278 |
| New Jersey | 021000021 |
| New York | 021000021 |
| North Carolina | 053000219 |
| Ohio | 041000124 |
| Oklahoma | 103000648 |
| Pennsylvania | 031000084 |
| Tennessee | 061000104 |
| Texas | 111000025 |
| Utah | 124002971 |
| Virginia | 051000017 |
| Washington | 125000105 |
| Wisconsin | 075000022 |
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer will usually be rejected or delayed. ACH transfers (used for direct deposits, bill payments, and peer transfers) typically take one to three business days to process. If the routing number is wrong, the receiving bank will reject the transfer and send it back to the originating bank, which adds another one to three business days. You will then need to resubmit the transfer with the correct routing number, meaning the total delay is two to six business days.
Wire transfers work differently and move faster, but they are also harder to reverse if sent to the wrong account. If you send a wire to a Wells Fargo routing number that does not match the account you intended, the money may end up in a different account or be rejected entirely. Always double-check your routing number and account number before you confirm a wire transfer, because reversing a wire is difficult and may not be possible if the receiving bank has already released the funds.
Frequently Asked Questions
Is 121000248 the routing number for all Wells Fargo accounts?
No. The number 121000248 is the most commonly used Wells Fargo routing number and works for many accounts, but it is not universal. Your specific routing number depends on the state where you opened your account and sometimes on your branch location. Always verify your routing number through your checks, online account, or by calling Wells Fargo before you use it for a transfer.
Can I use the same routing number for wire transfers and ACH transfers?
In most cases, yes—Wells Fargo uses the same routing number for both ACH and wire transfers to the same account. However, some financial institutions use different routing numbers for different transfer types. To be safe, confirm with Wells Fargo which routing number to use for the specific type of transfer you are making.
What if I set up direct deposit with the wrong routing number?
If your employer or benefit provider has already submitted your direct deposit with an incorrect routing number, contact Wells Fargo immediately and provide them with the correct number. Then contact your employer or benefit provider and ask them to update your direct deposit information. The next deposit should go to the correct account, but the first one may be delayed or rejected.
Do I need a routing number to send money to someone else's Wells Fargo account?
Yes, if you are sending money through your own bank's online platform or through a third-party service like PayPal or Venmo. You will need the recipient's Wells Fargo routing number and account number. However, if you are using Wells Fargo's own transfer service to send money to another Wells Fargo customer, you may only need their account number or email address.
How long does it take for a transfer to go through if I use the correct routing number?
ACH transfers typically take one to three business days. Wire transfers usually go through the same day if submitted before the bank's cutoff time, which is typically 2 p.m. Eastern Time. Weekends and bank holidays add extra time to both types of transfers.