Charles Schwab Bank’s routing number is 121202211. This applies to the Schwab Investor Checking account for ACH direct deposits, external transfers, and domestic wires. For international incoming wires, use SWIFT code CHASUS33.
Schwab Bank Routing Information
| Purpose | Number |
|---|---|
| ACH / Direct deposit | 121202211 |
| Domestic wire (outgoing) | 121202211 |
| International incoming wire (SWIFT) | CHASUS33 |
How to Find Your Schwab Routing Number
In the Schwab app:
- Open the Schwab app → tap Checking account
- Tap Account Details or View Full Account Number
- Routing number (121202211) and your account number are displayed
On a Schwab check: The routing number 121202211 appears in the lower-left corner of every Schwab check.
Online at schwab.com: Log in → select your Investor Checking account → click Account Details
Wire Transfer Information
| Wire Type | Routing / SWIFT | Fee | Notes |
|---|---|---|---|
| Domestic incoming wire | 121202211 | $0 | Free to receive |
| Domestic outgoing wire | 121202211 | $0 | Free, initiated by phone or online |
| International incoming wire | CHASUS33 | $0 | Free to receive |
| International outgoing wire | N/A | Varies | Schwab may refer to brokerage for international |
Schwab Investor Checking offers free outgoing domestic wires — one of the most valuable banking features for members making large payments (real estate closings, business disbursements, vehicle purchases).
For incoming wire transfers, provide:
- Bank name: Charles Schwab Bank
- Routing (ABA): 121202211
- SWIFT: CHASUS33 (international)
- Bank address: 211 Main Street, San Francisco, CA 94105
- Account number: Your Schwab checking account number
- Account holder name: Your name as on the account
Direct Deposit Setup
Setting up payroll direct deposit to Schwab:
- Provide routing number 121202211 and your Schwab checking account number to HR
- Select “Checking” as the account type
- Deposits typically arrive on the standard payroll date — Schwab does not offer early direct deposit
Government payments (IRS, SSA): Use the same routing number and your account number. IRS refunds, SSA, and VA benefits via ACH direct deposit are fully supported.
Related Guides
- Schwab wire transfer limits 2026 — free domestic wires, limits guide
- Schwab ATM limits 2026 — unlimited worldwide reimbursement
- Schwab fees 2026 — $0 monthly, $0 foreign transaction, $0 wire
- Schwab vs Fidelity 2026 — checking comparison
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