028001489
CITIBANK N.A.
✓ Valid Checksum
Active
- Institution Name
- CITIBANK N.A.
- Institution Type
- Commercial Bank
- City / State
- ENGLEWOOD CLIFFS, NJ
Supported Transaction Types
✓ ACH Transfers
Direct deposit, bill pay, person-to-person transfers. Processed in 1–3 business days.
✗ Wire Transfers
Real-time, same-day settlement via Fedwire. Used for large or time-sensitive transfers.
✓ Check Processing
Printed on the bottom-left of checks. Used to route paper and electronic check payments.
Note: Some banks use a separate routing number for wire transfers. Always confirm wire routing numbers directly with your bank before initiating a wire transfer.
ABA Checksum Validation
Every ABA routing number includes a built-in check digit (the 9th digit) that allows banks to detect transcription errors automatically. The checksum uses a weighted formula: multiply each digit by 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum must be divisible by 10.
×3
0
0
×7
2
14
×1
8
8
×3
0
0
×7
0
0
×1
1
1
×3
4
12
×7
8
56
×1
9
9
Sum = 0 + 14 + 8 + 0 + 0 + 1 + 12 + 56 + 9 = 100
100 ÷ 10 = 10 remainder 0 → Valid routing number
Quick Reference
Other Routing Numbers for CITIBANK N.A.
Large banks often have different routing numbers by state or region.
- 021000089 DE
- 021001486 DE
- 022000868 DE
- 028000082 DE
- 091409717 DE
- 122401710 DE
- 221172610 DE
- 271970312 DE
- 026009645 NJ
- 026011882 NJ
- 091409681 SD
- 091409704 SD
- 122402159 SD