Here’s Your American Express Routing Number

Find out everything you need to know about routing numbers.

Most people probably know American Express through its series of popular credit cards, but an online banking wing of the company also exists. American Express National Bank, Member FDIC, offers a high-yield online savings account — American Express High Yield Savings Account — to customers. While a bank that only offers one account is a bit limited in scope, American Express National Bank still uses a routing number when it comes to funding your savings account.

American Express National Bank Routing Number

If you’re funding your American Express National Bank account through an outside bank, you need to know the bank’s routing number.

American Express National Bank Routing Number
124085066

You can also find the routing number when you log in to your American Express National Bank online account.

Find Out: How To Use and Find Your American Express Login

What Is a Routing Number?

Routing numbers, also known as route transit numbers or ABA numbers, are nine-digit security codes that identify the bank that’s sending or receiving transferred funds. While you can have multiple bank accounts with different account numbers, the routing number or numbers assigned to a bank never change.

Some transactions that require a routing number include wiring money overseas, setting up recurring payments, paying a bill online or over the phone and transferring funds between different bank accounts.

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Read More: What Is a Routing Number? What They Are and How To Find Them

Can Banks Have Multiple Routing Numbers?

Yes, banks can have multiple routing numbers. Multiple routing numbers can occur when a bank has a large geographic presence, but they can also come from previous acquisitions and mergers. Wells Fargo and Citibank, for example, use different routing numbers to serve different states.

Check Out: American Express National Bank Hours

How Do You Find a Routing Number on a Check?

Checks include routing numbers, the check holder’s account number and the check’s own individual check number. These numbers are printed along the bottom of the check beginning with the nine-digit routing number.

Now Learn: How To Write a Check in 6 Easy Steps

What Is the Routing Number for International Transfers?

SWIFT codes are used to confirm international transfers instead of routing numbers. However, an American Express National Bank representative that GOBankingRates spoke to said that the American Express High Yield Savings account is not equipped to do international transactions. If you find yourself banking across the world, this is not the account for you.

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Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

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About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.

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