Citizens Bank routing numbers vary by state. The most common is 011500010 (Rhode Island and Massachusetts). New York uses 021313103 and Pennsylvania uses 036076150. The SWIFT code for international wires is CTZIUS33.
Citizens Bank Routing Numbers by State
| State | Routing Number |
|---|---|
| Rhode Island | 011500010 |
| Massachusetts | 011500010 |
| Connecticut | 011900571 |
| New Hampshire | 011600033 |
| Vermont | 011600033 |
| Maine | 011600033 |
| New York | 021313103 |
| New Jersey | 021912915 |
| Pennsylvania | 036076150 |
| Delaware | 031101108 |
| Maryland | 055002707 |
| Ohio | 041101040 |
| Michigan | 072410445 |
Always verify with the Citizens app, your check, or by calling 1-800-922-9999 — routing numbers can vary based on the legacy bank your account was originally opened with.
Citizens Bank SWIFT Code
| Purpose | Code |
|---|---|
| International incoming wire | CTZIUS33 |
| Domestic wire routing | State-specific ABA above |
What the Routing Number Is Used For
| Use Case | Routing Number |
|---|---|
| Direct deposit | ✅ Your state’s ABA |
| ACH bank-to-bank transfer | ✅ Your state’s ABA |
| Domestic wire | ✅ Your state’s ABA |
| International wire (incoming) | ✅ SWIFT CTZIUS33 |
| Zelle | ❌ Not needed |
How to Find Your Citizens Routing Number
On your check: First 9 digits in the bottom-left.
In the Citizens app:
- Open app → tap your account
- Tap Account details
- Routing and account number displayed
By phone: 1-800-922-9999 (Mon–Fri 7AM–10PM ET; Sat–Sun 9AM–7PM ET)
Related Guides
- Citizens Bank fees 2026 — monthly fees, ATM, wire fees
- Citizens Bank transfer limit 2026 — Zelle, ACH, wire limits
- Citizens Bank customer service 2026 — 1-800-922-9999
- Citizens Bank vs TD Bank 2026 — Northeast bank comparison
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