Wells Fargo is a reputable name in the banking world. With millions of customers worldwide, Wells Fargo’s customer service has long been touted as top-notch. If you’re a Wells Fargo customer, you may have some questions. While some commonly asked questions customers have about Wells Fargo involve things like account benefits or fees, there are others, like how to find your routing number, that can be a bit more complex.

What is a routing number?

Routing numbers are used to identify US banks and other financial institutions. Typically made up of nine digits, routing numbers can also be referred to as ABA routing numbers, or even RTNs. This number is required in order for the Federal Reserve Banks to process Fedwire fund transfers, as well as assist the ACH network in processing electric transfers, such as for bill pay or direct deposits.

How can I find my Wells Fargo routing number?

Online banking has changed the way the world does finance. Convenient beyond measure, accessing your money through the ease of your smartphone has many benefits. From heightened security features to perks like automatic transfers, banking online with Wells Fargo is a smart choice for a number of reasons.

But just because online banking is easy doesn’t mean it can’t get confusing sometimes. Ease of use is an important factor to consider when signing up for any bank. And while Wells Fargo has an excellent mobile banking system, it can still present some issues for customers.

How to find your Wells Fargo routing number is one of the many questions users encounter as they navigate their Wells Fargo app for their day-to-day banking needs. If you’ve been having difficulty locating your Wells Fargo routing number, not to worry. We’ve got the answer to that question plus plenty more.

Why would I need my Wells Fargo routing number?

While there are many reasons why you might need your routing number for online transactions, some of the most popular include:

Direct deposit

Setting up your Wells Fargo Direct Deposit will require that you input your checking account and routing number. Your checks may not be deposited automatically if you skip this crucial step.

Paycheck deposits

Depositing your paycheck may require your routing number. If you are using your mobile phone to deposit, you will need to have this information available.

Transferring funds

Your routing number may be needed when transferring funds between accounts or among other Wells Fargo users.

Typically, there are three ways you can access your routing number through Wells Fargo:

• Searching by state
• Observing your personal checks
• Calling customer service

It’s easy enough to locate your Wells Fargo routing number though one of these three ways.

Finding your Routing Number by State

The state in which you reside can help you determine what your Wells Fargo routing number is. Here is a list of Wells Fargo routing numbers by state.

You can also search the Federal Reserve website for information about your routing number by state. This site can help you gain a better understanding of how routing numbers work and why they are important for your mobile banking.

Your personal checks or other banking documents

Observing your personal checks is another way to clearly identify your routing number. You can find this number by searching the lower left corner of your check. Typically, at the bottom of a personal check, you’ll find three numbers printed with magnetic ink. Your routing number will be the first 9-digit code you see, followed by your account number and lastly, your check number. You may find it between two symbols that resemble semicolons.

Calling customer service

Good customer service is crucial in the banking industry. Luckily, you can always access your routing number by simply calling the Wells Fargo customer service line. If you go this route you can expect to answer a number of security questions in order to access information relating to your account. It’s a good idea to have your information handy in order to make the process smooth and easy.

Are there other routing numbers I should know?

Keep in mind that your ABA routing number may only be used for ACH transfers. This number likely won’t be useful in receiving wire transfers. Some things you’ll need to receive a wire transfer include:

• Your bank name
• Your bank address
• Your Wells Fargo account number
• The beneficiary’s account number
• The beneficiary’s account name
• The beneficiary’s address

What are the benefits of banking with Wells Fargo?

A bank like Wells Fargo has plenty to offer its customers. As one of the top banks in the nation, Wells Fargo has a robust offering of services to appease almost any type of baking customer. Some of the top reasons people choose Wells Fargo include:

Services

Wells Fargo has different services to appease every type of customer. Some accounts that clients can choose from include checking accounts, savings accounts, certificates of deposit, and credit cards. Whether you are dealing with your first account or have been banking for decades, Wells Fargo has an option account for you.

But Wells Fargo goes well beyond traditional checking and savings accounts. There are other products and services available, including:

• Auto loans
• Student loans
• Mortgage loans
• Personal loans and lines of credit
• Home equity lines
• Investments
• IRAs
• Private wealth management

What type of checking accounts does Wells Fargo offer?

When it comes to checking accounts, Wells Fargo has plenty. Each of them comes with a Platinum Debit card with chip technology, making purchases an absolute breeze. In addition to the debit card, customers also gain access to other important features such as mobile deposit, online bill pay and online transfers, as well as text banking and 24/7 customer support.

Some of Wells Fargo’s checking accounts include:

• Everyday Checking: This basic checking account is a great option for first-time customers and those wanted a straightforward approach to banking. You can open one of these accounts with as little as $25 in some cases. While you can expect to pay monthly service fees when signing up for this type of account, there are other ways to save. From making a certain amount of new purchases to carrying a specific minimum monthly balance, Wells Fargo makes it easy to save on fees the more you bank.
• Preferred Checking: If you are looking for something a bit more robust than your average checking account, Wells Fargo’s Preferred Checking account may be a better option for you. This type of account offers interest when meeting your minimum balance requirement, and you’ll also gain access to cash flow tools and budgeting resources that can help simplify your financial life. If you have a Wells Fargo mortgage, you can get your monthly service fee waived.
• Opportunity Checking: Maybe you’ve shopped for banking outside of Wells Fargo. In the event that other banks won’t offer you a traditional checking out, you may find Wells Fargo’s Opportunity Checking useful. This type of account has lower balance requirements, access to mobile banking, and even has opportunities for waivers on monthly account fees.
• Portfolio by Wells Fargo: Customers with a significant amount of money in their checking accounts might benefit from Portolio by Wells Fargo, which typically offers higher interest rates. Other benefits to this type of account include interest rate discounts for Wells Fargo loans, a waiver of overdraft protection transfer fees, and waived ATM fees for transactions outside of the bank.
• Teen Checking: Wells Fargo offers a Teen Checking account for teens aged 13-17. This type of account is a great way to teach children about the importance of saving and budgeting and is typically tied to a parent’s account. In addition to financial responsibility resources like free budget tools and spending limits, teens also get 24/7 access to their account in order to learn the true value of personal finance.

Convenience

Convenience counts a lot when it comes to banking. Given how many times per week you make a purchase, transfer money, or deposit checks, it’s important that you have easy access to your banking if and when you need it. As one of the largest banks in the U.S., Wells Fargo has over 8,400 branches and more than 16,000 ATMs. This unlocks a world of potential for users, and it’s one of the main reasons customers choose Wells Fargo over other reputable banks.

Customer Care

Good customer service is crucial when navigating online banking. In this regard, Wells Fargo is quite impressive. You can even open an account online. Accessible banking goes a long way amid today’s hustle and bustle. Wells Fargo ranks on par with other banks of similar size.

Benefits/Discounts

Benefits and discounts are things customers search for when shopping for online banks. Wells Fargo customers can shop for rewards credit cards, enjoy fee waivers, or even get discounted rates on things like personal loans. There are even ways to share your rewards with other Wells Fargo customers.

Credit Cards

In addition to banking, Wells Fargo offers a variety of credit cards for customers. From rewards cards to cards with low introductory interest rates, Wells Fargo offers several options for customers to choose from. Some are ideal for balance transfers or for customers hoping to earn points on travel.

Investing and Retirement

The sooner you begin planning for your future, the better. This is why Wells Fargo’s investing and retirement services are worth a closer look. The bank maintains a variety of accounts specifically for investing and retirement, giving customers a way to begin saving as soon as possible. Whether it’s a bit of financial education you need or someone to walk you through the process of saving for retirement, Wells Fargo is well equipped to set you up for success. There are also several tools you can use to make the process of investing much easier, such as Wells Fargo’s automated investing or comparison tools.

Budgeting

Wells Fargo’s budgeting tool is another great feature customers can enjoy by signing up for an account. Users can download My Money Map, which helps track spending, savings, and your budget in one easy-to-use app. Wells Fargo’s ‘My Savings Plan’ is also useful, as it can monitor your progress with saving and even allow you to transfer money to your Wells Fargo savings account at any time.

Final word

From easy access to your accounts to a range of rewards and discounts, there is much to look forward to when signing on with Wells Fargo. Aside from assistance with locating your Wells Fargo routing number, the bank’s customer service is available at all times to help you with any questions you may have regarding their robust services and financial resources. Wells Fargo may be the perfect option for helping you achieve your unique financial goals, whatever they may be.