Citizens Bank — routing numbers and ABA codes
Below is every routing transit number on file for Citizens Bank in the Federal Reserve FedACH Participant directory, grouped by the US state where the registered office is located. Use the right number for your home state when setting up direct deposit or sending an ACH credit; for incoming domestic wires, contact your branch to confirm the correct wire-routing number, which is sometimes different from the ACH number shown here.
Alabama — 3 routing numbers
Primary ABA routing number for Citizens Bank in Alabama.
- Bank name
- Citizens Bank & Trust
- Address
- P.o. Box 250, Guntersville, AL 35976
- Phone
- (256) 505-4600
- Servicing FRB
- 061000146 (Federal Reserve Bank district)
Additional routing numbers in Alabama
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0651-0324-3 | Robertsdale | 21980 Palmer Street | (251) 947-5957 |
| 0622-0493-8 | Winfield | P.o. Box 550 | (205) 487-4277 |
Arkansas — 2 routing numbers
Primary ABA routing number for Citizens Bank in Arkansas.
- Bank name
- Citizens Bank
- Address
- P.o. Box 2156, Batesville, AR 72503
- Phone
- (870) 698-6216
- Servicing FRB
- 081000045 (Federal Reserve Bank district)
Additional routing numbers in Arkansas
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0829-0773-6 | Batesville | P O Box 2156 | (870) 698-6216 |
Florida — 1 routing number
Primary ABA routing number for Citizens Bank in Florida.
- Bank name
- Citizens Bank And Trust
- Address
- 222 Domaris Ave, Lake Wales, FL 33859
- Phone
- (863) 679-1347
- Servicing FRB
- 061000146 (Federal Reserve Bank district)
Georgia — 2 routing numbers
Primary ABA routing number for Citizens Bank in Georgia.
- Bank name
- Citizens Trust Bank
- Address
- 2570 Park Central Blvd, Decatur, GA 30035
- Phone
- (678) 406-4021
- Servicing FRB
- 061000146 (Federal Reserve Bank district)
Additional routing numbers in Georgia
| Routing # | City | Address | Phone |
|---|---|---|---|
| 2620-8438-5 | Decatur | 2570 Park Central Blvd | (678) 406-4021 |
Iowa — 1 routing number
Primary ABA routing number for Citizens Bank in Iowa.
- Bank name
- Citizens Bank
- Address
- 500 W. Main St., Sac City, IA 50583
- Phone
- (712) 662-4755
- Servicing FRB
- 071000301 (Federal Reserve Bank district)
Indiana — 1 routing number
Primary ABA routing number for Citizens Bank in Indiana.
- Bank name
- Citizens Bank
- Address
- 33 N Indiana, Mooresville, IN 46158
- Phone
- (317) 831-9653
- Servicing FRB
- 071000301 (Federal Reserve Bank district)
Kentucky — 4 routing numbers
Primary ABA routing number for Citizens Bank in Kentucky.
- Bank name
- Citizens Bank
- Address
- P O Box 127, Brodhead, KY 40409
- Phone
- (606) 758-8212
- Servicing FRB
- 041000014 (Federal Reserve Bank district)
Additional routing numbers in Kentucky
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0839-0791-3 | Campbellsville | 201 East Main St | (270) 465-8193 |
| 0839-0319-5 | Hartford | 1021 South Main Street | (270) 298-7429 |
| 0839-0772-2 | Hickman | 1522 Union City Highway | (270) 236-2525 |
Louisiana — 4 routing numbers
Primary ABA routing number for Citizens Bank in Louisiana.
- Bank name
- Citizens Bank & Trust CO
- Address
- 2160 Manton Drive, Covington, LA 70433
- Phone
- (985) 898-4768
- Servicing FRB
- 061000146 (Federal Reserve Bank district)
Additional routing numbers in Louisiana
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0654-0315-0 | Plaquemine | 57910 Main St | (225) 687-3576 |
| 0654-0549-1 | Plaquemine | 57910 Main Street | (225) 687-1916 |
| 1111-0169-4 | Vivian | 120 W Arkansas | (318) 375-3217 |
Minnesota — 1 routing number
Primary ABA routing number for Citizens Bank in Minnesota.
- Bank name
- Citizens Bank & Trust CO
- Address
- Po Box 339, Hutchinson, MN 55350
- Phone
- (320) 587-2233
- Servicing FRB
- 091000080 (Federal Reserve Bank district)
Missouri — 7 routing numbers
Primary ABA routing number for Citizens Bank in Missouri.
- Bank name
- Citizens Bank
- Address
- P O Box 79, Amsterdam, MO 64723
- Phone
- (660) 267-3211
- Servicing FRB
- 101000048 (Federal Reserve Bank district)
Additional routing numbers in Missouri
| Routing # | City | Address | Phone |
|---|---|---|---|
| 1012-1775-0 | Amsterdam | P O Box 79 | (660) 267-3211 |
| 0815-1852-4 | Charleston | 207 E. Commercial | (573) 683-3373 |
| 1019-0139-6 | Chillicothe | 515 Washington Street | (660) 707-4770 |
| 0815-0417-2 | Edina | 117 South Main Street | (660) 397-2266 |
| 0819-0559-3 | New Haven | 100 Circle Drive | (573) 237-3051 |
| 1012-0488-6 | Rock Port | 101 N Main | (660) 744-5333 |
Mississippi — 4 routing numbers
Primary ABA routing number for Citizens Bank in Mississippi.
- Bank name
- Citizens Bank
- Address
- P. O. Box 667, Byhalia, MS 38611
- Phone
- (662) 838-2146
- Servicing FRB
- 081000045 (Federal Reserve Bank district)
Additional routing numbers in Mississippi
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0653-0235-8 | Columbia | 814 Main Street | (601) 736-2601 |
| 0653-0438-5 | Columbia | 814 Main Street | (601) 736-2601 |
| 0842-0470-9 | Marks | 239 E. Main St. | (662) 326-8047 |
Nebraska — 1 routing number
Primary ABA routing number for Citizens Bank in Nebraska.
- Bank name
- Citizens Bank & Trust CO.
- Address
- 721 7th St., St. Paul, NE 68873
- Phone
- (308) 754-4426
- Servicing FRB
- 101000048 (Federal Reserve Bank district)
New Mexico — 2 routing numbers
Primary ABA routing number for Citizens Bank in New Mexico.
- Bank name
- Citizens Bank
- Address
- P O Box 1629, Clovis, NM 88101
- Phone
- (575) 769-1911
- Servicing FRB
- 111000038 (Federal Reserve Bank district)
Additional routing numbers in New Mexico
| Routing # | City | Address | Phone |
|---|---|---|---|
| 1113-0827-7 | Tucumcari | 211 E. Main | (806) 350-5600 |
Ohio — 2 routing numbers
Primary ABA routing number for Citizens Bank in Ohio.
- Bank name
- Citizens Bank CO.
- Address
- P.o. Box 128, Beverly, OH 45715
- Phone
- (740) 984-2381
- Servicing FRB
- 041000014 (Federal Reserve Bank district)
Additional routing numbers in Ohio
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0442-1292-2 | Beverly | P.o. Box 128 | (740) 984-2381 |
Oklahoma — 1 routing number
Primary ABA routing number for Citizens Bank in Oklahoma.
- Bank name
- Citizens Bank & Trust Company
- Address
- P.o. Box 1689, Ardmore, OK 73402
- Phone
- (580) 226-4610
- Servicing FRB
- 101000048 (Federal Reserve Bank district)
Oregon — 1 routing number
Primary ABA routing number for Citizens Bank in Oregon.
- Bank name
- Citizens Bank
- Address
- 275 Southwest Third Street, Corvallis, OR 97333
- Phone
- (541) 752-5161
- Servicing FRB
- 121000374 (Federal Reserve Bank district)
Rhode Island — 16 routing numbers
Primary ABA routing number for Citizens Bank in Rhode Island.
- Bank name
- Citizens Bank N.A.
- Address
- Rop440, Riverside, RI 02915
- Phone
- (800) 883-4224
- Servicing FRB
- 011000015 (Federal Reserve Bank district)
Additional routing numbers in Rhode Island
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0113-0451-7 | Riverside | Rop440 | (800) 883-4224 |
| 0114-0153-3 | Riverside | 1 Citizens Drive Rop440 | (800) 883-4224 |
| 0213-1310-3 | Riverside | Rop440 | (800) 883-4224 |
| 0311-0114-3 | Riverside | 1 Citizens Drive Rop440 | (800) 883-4224 |
| 0360-7615-0 | Riverside | 1 Citizens Drive | (800) 883-4224 |
| 0724-0207-6 | Riverside | Rop440 | (800) 883-4224 |
| 2110-7017-5 | Riverside | Rop440 | (800) 883-4224 |
| 2111-7011-4 | Riverside | Rop440 | (800) 883-4224 |
| 2115-7461-3 | Riverside | Rop440 | (800) 883-4224 |
| 2213-7003-0 | Riverside | Rop440 | (800) 883-4224 |
| 2223-7105-4 | Riverside | Rop440 | (800) 883-4224 |
| 2313-7306-9 | Riverside | Rop440 | (800) 883-4224 |
| 2360-7461-9 | Riverside | Rop440 | (800) 883-4224 |
| 2410-7041-7 | Riverside | Rop440 | (800) 883-4224 |
| 2710-7132-1 | Riverside | Rop440 | (800) 883-4224 |
Tennessee — 10 routing numbers
Primary ABA routing number for Citizens Bank in Tennessee.
- Bank name
- Citizens Bank
- Address
- Attn: Stephanie Mofield, Carthage, TN 37030
- Phone
- (615) 735-1490
- Servicing FRB
- 061000146 (Federal Reserve Bank district)
Additional routing numbers in Tennessee
| Routing # | City | Address | Phone |
|---|---|---|---|
| 0642-0794-6 | Elizabethton | P.o. Box 1900 | (423) 543-2265 |
| 0642-0889-3 | Elizabethton | P. O. Box 1900 | (423) 543-2265 |
| 0642-0917-7 | Elizabethton | 300 Broad Street | (423) 547-2014 |
| 2642-7119-6 | Elizabethton | P.o. Box 1900 | (423) 543-2265 |
| 0641-0260-1 | Hartsville | P.o. Box 45 | (615) 374-2265 |
| 0641-0243-6 | Lafayette | Po Box 100 | (615) 666-2195 |
| 0641-0274-0 | Lafayette | 400 Hwy 52 By-pass West | (615) 666-2195 |
| 0641-0341-9 | Lafayette | Po Box 100 | (615) 666-2195 |
| 0640-0018-5 | Nashville | 1917 Heiman St | (615) 327-9787 |
Texas — 4 routing numbers
Primary ABA routing number for Citizens Bank in Texas.
- Bank name
- Citizens Bank
- Address
- 4201 South Treadaway Blvd., Abilene, TX 79602
- Phone
- (325) 695-3000
- Servicing FRB
- 111000038 (Federal Reserve Bank district)
Additional routing numbers in Texas
| Routing # | City | Address | Phone |
|---|---|---|---|
| 1119-1044-5 | Kilgore | Po Box 1700 | (903) 984-8671 |
| 1119-2262-4 | Kilgore | P O Box 1700 | (903) 984-8671 |
| 1131-1939-6 | Rusk | 125 N Main | (903) 683-2277 |
Virginia — 1 routing number
Primary ABA routing number for Citizens Bank in Virginia.
- Bank name
- Citizens Bank And Trust Company
- Address
- 126 South Main Street, Blackstone, VA 23824
- Phone
- (434) 292-8100
- Servicing FRB
- 051000033 (Federal Reserve Bank district)
Using the right Citizens Bank routing number
The routing numbers above identify Citizens Bank within the US payments system. They are nine-digit codes assigned by the Federal Reserve and the American Bankers Association, and they tell other banks where to send money on your behalf. For most personal accounts, the number on this page is everything a payroll department, billing service, or another bank needs to move funds into or out of your account.
However, Citizens Bank may use slightly different numbers depending on the type of payment:
- Direct deposit and ACH credits — use the routing number tied to the state where you opened the account. If you opened your account in California and later moved, your routing number does not change with you.
- ACH debits and bill-pay — same routing number as direct deposit.
- Domestic wire transfers — many large banks publish a separate "wire routing number" that consolidates wires for the entire institution. Confirm with Citizens Bank directly before sending a wire; the published wire RTN is sometimes one of the numbers above and sometimes a separate national code.
- International (SWIFT) transfers — incoming international wires need a SWIFT/BIC code, not just an ABA routing number. Your bank can supply both.
Verifying a payment before you send
If you are about to make a large payment — closing on a property, paying a tax bill, or wiring tuition — call Citizens Bank and read the routing number back to a banker over the phone. The Federal Reserve does not penalize banks for accepting a misrouted payment, so the cost of fixing a mistake falls almost entirely on the sender. A two-minute phone call can save weeks of trace requests.
You can also verify the number against your most recent paper check (the leftmost set of numbers along the bottom edge), the routing number printed inside your online banking dashboard, or the W-9 or W-8 form your bank issues for tax purposes. All three should match the entry shown above.
Frequently asked questions
Why does Citizens Bank have so many routing numbers?
National and regional banks typically inherit routing numbers from each acquired institution. Even after a corporate merger, the Federal Reserve preserves the legacy ABA numbers for years to avoid disrupting payroll and bill-pay setups for customers in those legacy regions. That is why a single bank can appear with dozens of distinct routing numbers across the country.
Will my routing number ever change?
It can. After a merger, the surviving institution may consolidate numbers over a multi-year window, and customers usually receive a written notice 60–90 days before their account converts to a new routing number. If you stop receiving expected ACH credits and your bank has recently been acquired, that's a good first thing to investigate.
Is this the same as a SWIFT or BIC code?
No. SWIFT (also called BIC) codes are an international identifier used to route payments between banks in different countries. ABA routing numbers are a US-only identifier used inside the domestic ACH and Fedwire networks. International wires into a US account often need both: the SWIFT code to find the bank, and the ABA number plus account number to credit the right customer.