If you ever want to transfer money or save money, you need to know your routing numbers. I am a longtime Wells Fargo customer. Here’s a breakdown of your Wells Fargo routing number by state.
How to Find Your Banks Routing Number: Wells Fargo
Since you earn income online, you need to link your checking and savings accounts to your various sources of income. I can’t tell you how many times I had to enter my routing number. It shouldn’t be that hard to keep your bank accounts and personal finances up to scratch.
So I had to do a complete rundown of how the routing number works and how to find your Wells Fargo routing number for each state. Here are 23+ online income opportunities that can help you increase your income.
I can easily track all my accounts with Personal Capital, but I can never track my routing number.
Wells Fargo Overview
One of the most successful American multinational banking and financial holding company is Wells Fargo & Company. Wells Fargo, founded in 1852, offers numerous services and features to facilitate its customers. The Wells Fargo routing number is one of the most important 9 digit codes that will help you streamline your wire transfer service seamlessly.
The Wells Fargo Routing Number is a unique nine-digit number that you usually find at the bottom of a check. Identify the financial institution where it was signed or printed. The routing number, also known as the American Bankers Association (ABA) number, transit routing number (RTN), or SWIFT code is used to hold an account and transfer money from one account to another.
If you want to cash a check online and transfer money to someone else, you need to know their routing number.
Let’s take a look at how to find your public transit routing numbers.
Ways to Find Your Wells Fargo Routing Number
To set up an electronic payment or direct deposit, you will need your account routing number. There are several ways to find your routing number, either by looking at your check or through the bank’s website.
Here are two common ways to find your routing number:
Check from the Wells Fargo Website
Since routing numbers are not secret numbers, the bank’s website publishes their routing numbers online. You can check your Wells Fargo routing numbers on their website i.e. WellsFargo.com.
All you have to do is select the type of account and the state you opened your account in and your routing number will be displayed. In addition, you can also sign up online with Wells Fargo, select your account and then select a link that displays your routing number.
In addition, you can also check the FAQ section. Banks have many ABA numbers, so it’s critical to know what status you opened your account in.
Look at Your Check
Another way to find your routing number is to look at the bottom of your negotiable instruments, such as your personal check. Your account number is the code in the lower left corner of your check, usually between two characters that resemble semicolons.
At the bottom of a personal check are three numbers usually printed with magnetic ink.
The first 9 digit code is the routing number, the next is your account number, and the last set of numbers generally represents the check number. The routing number can go first or in the middle.
You can easily recognize it because it’s a 9-digit number and it’s enclosed in symbols that look like semicolons. The routing number on personal checks is used for domestic transfers.
Wells Fargo Bank Routing Numbers by State
We summarize Wells Fargo routing numbers by state in a simple table to make it easier to understand. You can see the routing number of all the states in which they operate. For example, the Wells Fargo routing number for Minnesota is 091000019.
Here is a table of all the routing numbers by state for Wells Fargo Bank:
|State||Routing Number||State||Routing Number|
|District of Columbia||054001220||Oregon||123006800|
|Iowa||073000228||Texas – El Paso||112000066|
|Mississippi||062203751||North Mariana Islands||121042882|
|Nebraska||104000058||American Forces Abroad||121042882|
See related lists:
- How your chase routing number works (full explanation)
- Definitive guide to your US bank’s routing number.
How Routing Numbers Work and Their Importance
Routing numbers are a very important part of the overall banking system. To better understand how routing numbers work, let’s take a look at how they originated, how they are derived, and how important they are.
Before we get into the importance, I’ve created a free credit card and budget tracker that makes it easy to store your routing numbers. This helps you to create a complete personal financial plan. Download the free tracker below and start living better financially.
The Origin of Routing Numbers
ABA initially created the routing numbers to make check processing more secure and manageable. It was a way of uniquely identifying the paying bank. It was used to assure the person taking a check that he would receive the promised money from the payer’s bank.
The Federal Reserve’s first digits were added to each bank’s routing number.
The Federal Reserve path symbol identified the type of institution and the Federal Reserve district where the account was opened. Routing numbers were later used by electronic check cashing networks in the 1960s, speeding up check processing.
How the Bank Routing Number is Derived
The first four digits of Wells Fargo routing numbers represent the Federal Reserve routing symbol. Identify the location where the check was printed. The next four digits are the American Bankers Association (ABA) identifier. It is a number that helps define the financial institution in which you opened your account.
The last digit is the check digit which is generally calculated by an algorithm. It is used to verify the 8 digit bank routing number. A check digit can be validated by calculating the algorithm and comparing it to the digit printed on the check.
How to do the Checksum Algorithm
The checksum algorithm, also known as modulo 10, direct sum, is a method used to verify the route number. It is a series of multiplications and additions performed on the digits of the routing numbers. A valid routing number is identified if the algorithm’s sum is a number divisible by 10.
To perform the calculation, write down the routing number. For example, the routing number in Washington DC is 125008547.
The first, fourth, and seventh digits are multiplied by 3, the second, fifth, and eighth digits are multiplied by 7, and the third, sixth, and ninth digits are multiplied by 1.
Then summarize all the answers. The final solution must be uniformly divisible by ten with no residues to be valid.
With Washington routing number 125008547, the calculation is as follows, (1 x 3) + (2 x 7) + (5 x 1) + (0 x 3) + (0 x 7) + (8 x 1) + (5 x 3) + (4 x 7) + (7 x 1).
It equals 3 + 14 + 5 + 0 + 0 + 8 + 15 + 28 + 7 = 80 which is equally divisible by 10, so the routing number is valid.
You can also find a missing check digit using the checksum algorithm.
Importance of the Wells Fargo Routing Number
The Wells Fargo Routing Number is a required code used when making money transfers. If you want to send money, you must use your branch information, usually recognizable by the transit number of the routing. It is essential to use the correct routing number before starting a money transfer.
You must verify the Wells Fargo routing number before starting a transaction. You need to know your state name and account type to get your Wells Fargo routing number. It is essential to have the correct routing number for the transaction you want to make, as the routing number on your checks is different from the routing number you would use for a wire transfer.
Routing numbers are also vital for IRAs, prepaid cards, and savings accounts, and can be used to identify financial institutions when making other transfers, such as account payments, check processing, and Automated Clearing House (ACH) deposits. The American Bankers Association (ABA) generally controls the official routing number recorder.
Conclusion on Finding Your Wells Fargo Routing Number
The Wells Fargo routing number is an essential number that makes sending and receiving money easier. There’s nothing wrong with writing down your routing number or putting it on your phone so you have it handy.
You can also bookmark this post if you want to rethink which routing number to use. If you use things like freelance websites or need money right away, you probably need to know your routing number to get your money into your bank account.
As you build wealth, you should continue to transfer money to investment and savings accounts. These are some of my favorite wealth building tips.
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