American Express National Bank routing number
American Express National Bank’s routing number is 124085066. It identifies American Express National Bank in the US payment system and is used for ACH transfers and direct deposit. Confirm yours on a voided check or in your banking app before sharing it.
Last verified May 29, 2026.
American Express National Bank routing number
ACH / direct deposit routing number
124085066
Region: UT
124085066 is the American Express National Bank routing number for High-Yield Savings / Rewards Checking direct deposit, ACH and wires.
Every routing number listed here is a structurally valid nine-digit ABA number (it passes the ABA mod-10 checksum). Tap any number to see a dedicated page for it, or use the routing number lookup tool to check a number you already have.
How to find and confirm your American Express National Bank routing number
The routing number above is a reliable starting point, but the authoritative source is always your own account. Here is how to confirm the exact number American Express National Bank assigned to you:
- On a check: the routing number is the left-most nine-digit group along the bottom edge (the MICR line), printed before your account number.
- In the American Express National Bank app or website: sign in, open the account, and look for account details or “account & routing number.”
- On a statement: a paper or PDF statement usually shows the routing number alongside your account number.
- For wire transfers: ask American Express National Bank which number to use — the wire routing number can differ from the ACH one.
See the step-by-step guide: how to find your routing and account number.
What a routing number is used for
A routing number (also called an ABA routing number or routing transit number) is a nine-digit code that identifies your bank or credit union in the United States payment system. Paired with your account number, it tells money where to go. You will need your American Express National Bank routing number to:
- Set up direct deposit for a paycheck or government benefit.
- Authorize ACH payments, such as automatic bill payments.
- Send or receive a wire transfer (often a separate number).
- Link your account to a payment app, brokerage, or another bank.
New to this? Read what a routing number is.
Confirm before you share
Routing numbers can vary by where you opened your account and by the type of transfer. The numbers on this page are verified reference data, not a substitute for your own records. Always confirm your routing number on a voided check or in your American Express National Bank banking app before sharing it for direct deposit or a transfer.
Frequently asked questions
What is American Express National Bank's routing number?
American Express National Bank's routing number is 124085066. It is used for ACH transfers and direct deposit. Confirm yours on a voided check or in your banking app before sharing it, since the number can occasionally differ by account or region.
Does American Express National Bank have different routing numbers by state?
American Express National Bank primarily uses one routing number (124085066) across its footprint, but it can vary by region or legacy bank in some cases. The safest check is your own voided check or banking app.
What is the difference between American Express National Bank's ACH and wire routing number?
American Express National Bank uses different numbers for the two networks. 124085066 is the American Express National Bank routing number for High-Yield Savings / Rewards Checking direct deposit, ACH and wires. Use the ACH number for direct deposit and everyday transfers, and the wire number only for wire transfers.
How do I find my American Express National Bank routing number on a check?
Look at the bottom edge of one of your American Express National Bank checks: the routing number is the left-most nine-digit group in the MICR line, followed by your account number and then the check number. You can also find it in the American Express National Bank app or website under account details.
Is 124085066 a valid routing number?
Yes — 124085066 is a structurally valid nine-digit ABA routing number (it passes the ABA mod-10 checksum) and is listed for American Express National Bank in our directory. Even so, confirm it is the right number for your specific account before using it for direct deposit.
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