Here’s Your Citizens Bank Routing Number

Citizens Bank mobile phone app

Your bank routing number is used for many banking transactions. You will need it to set up direct deposit, and you will usually provide it to your employer by giving them a voided check.

You might also need your bank’s routing number to pay bills online, wire money or order new checks. If you’re a Citizens Bank customer, here is how you can find your bank routing number in seconds, based on your main branch.

Citizens Bank Routing Numbers By State

Citizens Bank Routing Numbers
State Routing Number Wire Transfer
Connecticut 211170114 011500120
Delaware 031101143 031101143
Massachusetts 211070175 011500120
Michigan 241070417 241070417
New Hampshire 011401533 011500120
New Jersey 036076150 036076150
New York 021313103 021313103
Ohio 241070417 241070417
Pennsylvania 036076150 036076150
Rhode Island 011500120 011500120
Vermont 021313103 021313103

Citizens Bank, headquartered in Rhode Island, has branches in 11 states.  If you live in one of the cities with multiple branches, it would be best to verify your routing number on your check by looking at the first nine digits at the bottom left-hand corner.

If you do not have a check, you should call your bank before making a transaction that requires your routing number. Using an incorrect routing number can delay a transaction.

Must-Read: Check Scams You Need to Watch Out For

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What Is a Routing Number?

A routing number is a nine-digit code used to identify the bank responsible for payment of a negotiable instrument. You’ll need your routing number for a variety of reasons, including sending money to friends and family.

The American Bankers Association originally created these numbers in 1910 to help send paper checks to the correct processing centers. Now, they are also used to almost seamlessly move money between accounts and financial institutions through electronic transactions.

The nine digits in a routing number make up a code that signals which Federal Reserve district the bank belongs to, which Fed branch handles that bank’s transactions and it identifies the bank itself. The final digit represents a mathematical equation that can be used to verify that the routing number is legitimately issued by the ABA.

Learn: How to Find and Use Your Citizens Bank Login

Different Routing Numbers for International Wire Transfers

Wire transfers are usually more urgent transactions. As a result, the bank recommends you call your local branch to be sure you have the correct Citizens Bank routing number to use for a wire transaction. The routing number for a wire is often different from the normal routing number for your checking account. This separates these more urgent transactions for the bank to process at a high priority.

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When you send wires internationally, you also need a SWIFT code, issued by the Society for Worldwide Interbank Financial Telecommunication. Citizens Bank’s SWIFT code is CTZIUS33 for personal transactions and CTZIUS33COB for commercial online banking.

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Information is accurate as of July 11, 2022.

Editorial Note: This content is not provided by Citizens Bank. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Citizens Bank.

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About the Author

Laura Chapman is a Biloxi, Mississipi-based contributor with a Bachelor of Science in Accounting. She has five years of experience in accounting and taxation. Laura has articles on personal finance, health, crafts and parenting published at
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