What is a routing number?

A routing number (also called an ABA routing number or RTN) is a nine-digit code that identifies a U.S. financial institution. It's used to route ACH transfers, direct deposits, wire transfers, and check payments to the correct bank.

Where do I find my routing number?

Your routing number is printed in the bottom-left corner of every check, listed in your online banking app under account details, and printed on monthly statements. Many banks also use a different routing number for wire transfers — always confirm which one you need.

Is the routing number the same for everyone at the same bank?

Often it varies by the state where you opened your account. Large banks like Chase and Wells Fargo use 30+ different routing numbers across the U.S., while online banks and fintechs typically use one number nationwide.

Can I receive crypto with a routing number?

No. Routing numbers move U.S. dollars between bank accounts. To receive crypto, you need a wallet address. Anytime Capital gives you both an FDIC-insured cash account (with a routing and account number) and a crypto wallet — so you can move money in either form, instantly.

American Express National Bank Routing Number

Updated August 2026

Routing number

124085066

SWIFT / BIC code

AEIBUS33

Used for international wire transfers.

American Express National Bank is a U.S. financial institution. Detailed routing-by-state coverage, fee schedule, and FAQ for American Express National Bank are being expanded — for now, your routing number is 124085066.

American Express National Bank wire transfer fees

Type	Fee
Domestic wire (outgoing)	$25–$35
Domestic wire (incoming)	$15
International wire (outgoing)	$45–$50
International wire (incoming)	$15

Fees subject to change. Confirm the latest schedule on American Express National Bank's website before sending.

How to find your American Express National Bank routing number

Your routing number is the 9-digit code in the bottom-left of every check. Your account number sits to the right of it.

• Look at the bottom-left of any check from American Express National Bank — the 9-digit number on the left.
• Log in to American Express National Bank's mobile app or online banking and open the account details screen.
• Check the top of any monthly statement.
• Call American Express National Bank customer service — but never share the number plus your full account details with anyone you don't trust.

Tired of waiting on American Express National Bank transfers?

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