Routing Number 021000089: Which Bank Is It?

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.
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.
