Is 021000089 a valid routing number?

Yes. 021000089 is a valid ABA routing number that passes the ABA checksum verification. It is the official Citibank routing number for New York and the wire transfer number for all Citibank accounts.

Is 021000089 used for wire transfers from all Citibank accounts?

Yes. All Citibank accounts nationwide use 021000089 for domestic wire transfers, regardless of which state the account was opened in. For international wires, also provide SWIFT code CITIUS33.

Routing Number 021000089: Which Bank Is It?

Q: What bank is routing number 021000089?

Routing number 021000089 belongs to Citibank N.A. It is the ACH and direct deposit routing number for New York accounts, and also the domestic wire transfer routing number for all Citibank accounts nationwide.

Routing number 021000089 Citibank New York wire transfer routing number — Photo by Clement Proust on Pexels / ID 29532724

Routing number 021000089 belongs to:
Citibank, N.A. — New York (incl. NYC) & Wire Transfers Nationwide
This number serves two purposes: ACH/checks for New York accounts, and domestic wire transfers for all Citibank accounts nationwide. Last verified: March 2026.

Routing number 021000089 is notable because it does double duty for Citibank — it's both the standard routing number for New York accounts AND the nationwide wire transfer routing number for all Citibank accounts regardless of state.

What Bank Is Routing Number 021000089?

Field	Detail
Routing number	021000089
Bank name	Citibank, N.A.
Primary state	New York (including NYC, Long Island, Upstate NY)
Also used for	South Dakota accounts
Wire transfers	All Citibank accounts nationwide use this for domestic wires
SWIFT code	CITIUS33
Federal Reserve district	New York Fed (first digits 0210)
Customer service	1-800-374-9700

Is 021000089 Valid? (Checksum Verification)

Applying the ABA formula (3×d1 + 7×d2 + d3 + 3×d4 + 7×d5 + d6 + 3×d7 + 7×d8 + d9) mod 10 = 0:

Checking 021000089:
(3×0) + (7×2) + 1 + (3×0) + (7×0) + 0 + (3×0) + (7×8) + 9
= 0 + 14 + 1 + 0 + 0 + 0 + 0 + 56 + 9 = 80
80 ÷ 10 = 8 remainder 0 ✓ Valid routing number.

Two Uses for the Same Number

This is what makes 021000089 unique among Citibank routing numbers:

If you have a New York Citibank account	If you have a Citibank account in any other state
Use 021000089 for everything — ACH, direct deposit, checks, and wires	Use your state's routing number for ACH/checks, but use 021000089 for domestic wire transfers

Citibank Routing Numbers Quick Reference

State / Use	Routing Number
New York (ACH, checks, direct deposit, wire)	021000089
California Northern / Central (ACH, checks)	321171184
California Southern / Nevada (ACH, checks)	322271724
Florida (ACH, checks)	266086554
Illinois incl. Chicago (ACH, checks)	271070801
Texas (ACH, checks)	113193532
Domestic wire — ALL states	021000089
International wire SWIFT	CITIUS33

Last verified: March 2026. Also see: Full Citibank routing number guide · Routing 321171184 Citibank NorCal · Routing 322271724 Citibank SoCal · Complete routing number guide.

What Bank Is Routing Number 021000089?

Is 021000089 Valid? (Checksum Verification)

Two Uses for the Same Number

Citibank Routing Numbers Quick Reference

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