Charles Schwab Routing Number - Wire Transfer, Direct Deposit (2024)

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Are you trying to transfer money in or out of your Charles Schwab checking or savings account? Well continue reading our post below to find out how to find your Charles Schwab routing number and learn more about money transfers.

Basically, routing numbers are 9-digit numbers that banks use to identify themselves. Simply, it is like an address that banks and other financial institutions use to locate your money.

You will need your routing number for many tasks such as:

• ACH payments
• Setting up direct deposit
• Receiving benefits from the government, including tax refunds
• Transferring money between accounts at different banks or investment firms
• Automatic bill payment
• Domestic wire transfers

Charles Schwab has branches all throughout the United States and has different routing numbers or “addresses” for different regions. To find out the right Charles Schwab routing number for you, check out the list below.

Charles Schwab Routing Number

You will also use this number whenever you need to make a wire transfer or any type of money transfer. However, this number isn’t the only thing you’ll need.

How To Find Your Charles Schwab Routing Number

Use a Check: For checking accounts, you can find your routing number in the lower left hand corner of the check. It will be the first 9 digits located at the bottom of your check.

Go Online: Also, you can log into your bank account online. Head to the Accounts page, scroll to History, and then Statements and Reports. Click on your most recent statement to view your account and routing number.

Call Customer Service: Call Charles Schwab at (800) 435-4000. After you provide a few specific details to identify yourself, a representative will be able to confirm your account’s routing number.

Routing Numbers For Wire Transfers

Wire transfers are a quicker way to send money than an ACH transfer. Anyone can wire funds to your Charles Schwab account for a small fee.

In order to start wiring funds with your Charles Schwab bank account, you must visit a local branch and sign a Wire Transfer Agreement form. Once this process is complete, you will be able to start transfers through your phone.

If the wire transfer is within the US

Using the bank routing numbers from above, you can begin a wire transfer but double check before confirming the transaction.

Additionally, you will need to have the following information:

• Charles Schwab’s Routing Number: 021000089
• U.S. Dollar Transfer Amount
• Destination Bank
  Citibank N.A., New York
• Bank ABA: 021000089
• For “Account”
  • Charles Schwab & Co., Inc.
  • Account Number: 4055-3953
  • Bank Address: 111 Wall Street, New York, NY 10005
• For “Further Credit to…”: State your account number and the name(s) listed on your account to ensure that it is properly credited

Charles Schwab Wire Transfer Fees

For international transfers, you will need the following additional information:

• U.S. Dollar Transfer Amount
• Destination Bank: Citibank N.A., New York
• SWIFT ID: CITIUS33
• For “Account”
  • Charles Schwab & Co., Inc.
  • Account Number: 4060-7595
  • Bank Address: 111 Wall Street, New York, NY 10005
• For “Further Credit To…”: State your account number and the name(s) listed on your account to ensure that it is properly credited

Which Charles Schwab Routing Number Should You Use?

For any domestic money transfer you decide to do between bank accounts, you will use the Charles Schwab ABA routing number 121202211.

Domestic wire transfers will use the Charles Schwab domestic wire transfer routing number 021000089.

For any international wire transfers, which means you transferring money from your account to an account located outside the United States, you will need to use the Charles Schwab SWIFT code CITIUS33.

Bottom Line

If you bank with Charles Schwab, then knowing or keeping your routing number on you is important when it comes to managing your finance. Having this on hand will help you set up direct deposit, automatic payment, or wire transfer.

For more posts like this, learn more about Charles Schwab and check out our list of Charles Schwab Promotions and Bank guides to help you out!