Citi Routing Number

021000089
ACH & Wire

Routing Number 021000089 Details

Routing Number 021000089
Bank Citi
State / Region Northeast
Type ACH & Wire

Is 021000089 Valid?

Yes — 021000089 is a valid ABA routing number assigned to Citi for Northeast. It is used for both ACH and wire transfers.

What Does 021000089 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 021000089 breaks down:

DigitsValueMeaning
1–40210Federal Reserve routing symbol (New York district)
5–80008Citi institution identifier
99Check digit (validates the number)

The first two digits (02) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of New York. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 021000089

This routing number works for both ACH and wire transfers at Citi:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Citi Routing Number

If you need to verify that 021000089 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Citi and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Citi to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Citi account in Northeast, 021000089 is likely the correct number.

Other Citi Routing Numbers

Routing Number State / Region Type
021272655 Connecticut ACH
071006486 Illinois ACH
113193532 Texas ACH
321171184 Northern California ACH
322271724 Southern California ACH

Frequently Asked Questions

Yes, 021000089 is the ACH & Wire routing number for Citi in Northeast.

Routing number 021000089 belongs to Citi. It is used for Northeast.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 021000089 to set up direct deposit for your Citi account in Northeast. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 021000089 identifies the bank and branch (Citi, Northeast), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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