United States SWIFT Codes and ABA Routing Numbers

Use a SWIFT or BIC for an international business payment to a United States bank. Use the domestic wire ABA for a Fedwire payment and the ACH routing number for an Automated Clearing House payment only when the receiving instructions request that rail.

The table below covers 20 selected US banks and receiving routes. The Federal Reserve Fedwire participant search was used as a secondary check for listed wire ABA records, while bank-published instructions were used as the controlling source where available. Some wire ABA and ACH fields are intentionally blank because the bank assigns routing details by account, state, legacy entity or service rather than publishing one universal number.

United States SWIFT, domestic wire ABA and ACH routing numbers

A SWIFT/BIC identifies a financial institution or service in international bank messaging. A domestic wire ABA routes a Fedwire payment. An ACH routing number is used for ACH credits or debits such as vendor payments and direct deposits. These two nine-digit values can differ. A blank cell means no single bank-level value was verified for that row; use the beneficiary account’s bank-issued instructions.

The US has thousands of routing numbers. Banks can assign different numbers by transaction type, state, region, account product and legal entity. The Federal Reserve E-Payments Routing Directory is synchronized with its Fedwire and FedACH databases daily. For this selected list, the directory was used only as a secondary check; the receiving bank’s account-specific instructions remain the controlling reference.

The ACH column is filled only where a bank-level value could be supported without choosing among account-specific or regional routing numbers. USAA and Navy Federal publish one routing number, while BMO and Ally publish a routing number used for direct deposits. The KeyBank row is explicitly limited to Ohio accounts, for which KeyBank lists the same number for wires and ACH. Other ACH cells remain blank when the correct value depends on the beneficiary account, state or region.

For USAA, the SWIFT row follows USAA’s published international incoming-wire route through The Bank of New York and therefore shows the intermediary BIC. Ally likewise uses JPMorgan Chase for incoming international wires. Santander publishes routing numbers based on account length, while Citizens publishes routing details by state. Those cells remain blank where one value would be misleading.

Are SWIFT codes different for business accounts?

Business and personal accounts often share a bank-level SWIFT/BIC. The correct receiving instructions can still differ by legal bank entity, account product, currency, branch or correspondent route.

For a business payment, obtain bank-issued instructions showing the registered business name, account number, bank name, account currency and required routing identifiers. Confirm changed or first-time instructions through a known contact at the recipient business.

How to choose the correct US routing number

1. Identify the payment rail. International wires commonly require a SWIFT/BIC. Domestic Fedwire payments use a wire ABA. ACH credits and debits use an ACH routing number.
2. Do not substitute one routing number for another. The routing number printed on a check or shown for direct deposit may differ from the bank’s incoming-wire number.
3. Match the legal bank and account. Large banking groups can have several US entities, products and routing instructions.
4. Confirm before release. Compare every code with current instructions issued for the beneficiary account.

Using US bank details in a business payment workflow

Store the beneficiary name, account number, account currency, bank entity, payment rail and verified routing instructions together. Require a second-channel check when bank details change before approving the payment.

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Frequently asked questions

Is an ABA routing number the same as a SWIFT code?

No. An ABA routing number is a nine-digit identifier used for US domestic payments. A SWIFT/BIC identifies a financial institution for international bank messaging.

Is a domestic wire ABA the same as an ACH routing number?

Sometimes, but not always. A bank can use one number for Fedwire and another for ACH, and either number can vary by account, state or region. Use the routing number supplied for the specific beneficiary account and payment rail.

Why is a routing-number cell blank?

The bank may assign routing numbers by account, state, legal entity or service. A blank cell means no single bank-level value was verified for that row. Use the beneficiary account’s current bank-issued instructions.

Does a Federal Reserve directory match prove a routing number is correct for my account?

No. It confirms that an ABA is listed for a payment-system participant on the directory’s effective date. It does not show that the number applies to a particular beneficiary account, product or payment route.

Can I use the routing number printed on a check for a wire?

Not always. A bank may use different routing numbers for checks, ACH and domestic wires. Use the incoming-wire number supplied for the beneficiary account.

Do US business accounts use different SWIFT codes?

Business and personal accounts often share a bank-level SWIFT/BIC, but receiving instructions can differ by legal entity, account product, currency and wire service.

Does the United States use IBANs?

US bank accounts generally do not use IBANs. Domestic transfers use an ABA routing number and account number, while international wires commonly use a SWIFT/BIC and account number.