American Express routing number

American Express National Bank Routing Numbers

American Express National Bank uses different routing numbers depending on the type of transaction you're making. As a digital-only bank operating nationwide from Utah, the bank maintains simple routing number structure:

Primary Routing Numbers:

• 124085066 - Used for ACH transfers, direct deposits, automated payments, bill pay, and savings account transactions
• 124303243 - Used for domestic wire transfers (both incoming and outgoing)

Account Types:

American Express National Bank offers several account types, all using the routing numbers above:

• High Yield Savings Account - Uses 124085066 for ACH transactions
• Rewards Checking Account - Uses 124085066 for ACH, 124303243 for wires
• Certificates of Deposit (CDs) - Uses 124085066 for ACH transactions
• IRA Accounts - Uses 124085066 for ACH transactions

National Availability:

Unlike traditional banks with state-specific routing numbers, American Express National Bank operates as an online-only institution with no physical branches outside its Sandy, Utah headquarters. This means all customers nationwide use the same routing numbers regardless of their location.

Important Note: American Express credit cards do not use routing numbers. Routing numbers only apply to American Express National Bank deposit accounts (savings, checking, CDs, and IRAs).