Citi Routing Number

321171184
ACH

Routing Number 321171184 Details

Routing Number 321171184
Bank Citi
State / Region Northern California
Type ACH

Is 321171184 Valid?

Yes — 321171184 is a valid ABA routing number assigned to Citi for Northern California. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 321171184 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 321171184 breaks down:

DigitsValueMeaning
1–43211Federal Reserve routing symbol (San Francisco district)
5–87118Citi institution identifier
94Check digit (validates the number)

The first two digits (32) 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 321171184

This is an ACH-only routing number. Citi uses a separate routing number for wire transfers.

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 321171184 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 Northern California, 321171184 is likely the correct number.

Other Citi Routing Numbers

Routing Number State / Region Type
021000089 Northeast ACH & Wire
021272655 Connecticut ACH
071006486 Illinois ACH
113193532 Texas ACH
322271724 Southern California ACH

Frequently Asked Questions

Yes, 321171184 is the ACH routing number for Citi in Northern California.

Routing number 321171184 belongs to Citi. It is used for Northern California.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, Citi may use a different routing number.

Yes, you can use 321171184 to set up direct deposit for your Citi account in Northern California. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 321171184 identifies the bank and branch (Citi, Northern California), 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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