American Express Routing Number

124085066
ACH & Wire

Routing Number 124085066 Details

Routing Number 124085066
Bank American Express
State / Region National
Type ACH & Wire

Is 124085066 Valid?

Yes — 124085066 is a valid ABA routing number assigned to American Express for National. It is used for both ACH and wire transfers.

What Does 124085066 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 124085066 breaks down:

DigitsValueMeaning
1–41240Federal Reserve routing symbol (San Francisco district)
5–88506American Express institution identifier
96Check digit (validates the number)

The first two digits (12) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of San Francisco. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 124085066

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

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 American Express Routing Number

If you need to verify that 124085066 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 American Express 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 American Express 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 American Express account in National, 124085066 is likely the correct number.

Frequently Asked Questions

Yes, 124085066 is the ACH & Wire routing number for American Express in National.

Routing number 124085066 belongs to American Express. It is used for National.

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

Yes, you can use 124085066 to set up direct deposit for your American Express account in National. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 124085066 identifies the bank and branch (American Express, National), 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.

More American Express Resources

All American Express Routing Numbers → Convert American Express Statement to CSV →

Convert your American Express statement to CSV

Extract transactions from your American Express PDF bank statement into Excel or CSV — free and instant.

Convert American Express Statement →