Routing Number 321171184: Which Bank Is It?
Citibank, N.A. — Northern & Central California
Used for ACH, direct deposit, and checks on Citibank accounts opened in Northern or Central California. Last verified: March 2026.
Routing number 321171184 is Citibank's routing number for accounts opened in Northern and Central California — covering San Francisco, Sacramento, the Bay Area, and the Central Valley.
What Bank Is Routing Number 321171184?
| Field | Detail |
|---|---|
| Routing number | 321171184 |
| Bank name | Citibank, N.A. |
| Region | Northern California and Central California |
| Used for | Checks, ACH, direct deposit |
| Southern California uses | 322271724 (different number) |
| Wire transfer number | 021000089 (all Citibank accounts nationwide) |
| SWIFT code | CITIUS33 |
| Customer service | 1-800-374-9700 |
Is 321171184 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 321171184:
(3×3) + (7×2) + 1 + (3×1) + (7×7) + 1 + (3×1) + (7×8) + 4
= 9 + 14 + 1 + 3 + 49 + 1 + 3 + 56 + 4 = 140
140 ÷ 10 = 14 remainder 0 ✓ Valid routing number.
Northern California vs. Southern California: Two Different Numbers
Citibank is one of the few major banks that splits California into two routing number regions:
| Region | Routing Number | Cities included |
|---|---|---|
| Northern & Central California | 321171184 | San Francisco, Oakland, San Jose, Sacramento, Fresno, Bay Area |
| Southern California | 322271724 | Los Angeles, San Diego, Orange County, Riverside, Inland Empire |
If you're not sure which region your account falls into, check the Citibank app under Account Details or call 1-800-374-9700.
ACH vs. Wire: Which Number to Use?
| Transaction type | Routing number |
|---|---|
| Checks / ACH / Direct deposit (NorCal/Central CA) | 321171184 |
| Domestic wire transfer (all Citibank accounts) | 021000089 |
| International wire | 021000089 + SWIFT CITIUS33 |
Last verified: March 2026. Also see: Full Citibank routing number guide for all states · Complete U.S. routing number guide.
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