Here’s Your American Express Routing Number

American Express app open on phone against a blue background with 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 checking, savings and certificate of deposit accounts to customers.

If you bank with American Express, you’ll need its routing number to receive direct deposits and complete other banking transactions.

American Express National Bank Routing Number

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

American Express 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.

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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.

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 Citi®, 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. American Express National Bank does not have a SWIFT code published on its website, so it’s best to contact the bank about international transactions. It is possible that American Express is not equipped to handle international transactions.

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Information is accurate as of Jan. 26, 2023.

Editorial Note: This content is not provided by American Express. 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 American Express. American Express credit card products are not available through GOBankingRates.com.

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About the Author

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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