Bank routing number ยท Mount Vernon, Kentucky
Citizens Bank Routing Number (ABA): 042104469
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The Citizens Bank routing number is 042104469. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Citizens Bank at a glance
Its CET1 capital ratio was 11.68% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $250.4M
- CET1 ratio, Q2 2026
- 11.68%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 5 FDIC institution directory, current count
- Established
- 1904
Full financial profile · Is Citizens Bank safe? · Branch locations
Citizens Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 042104469 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Citizens Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 04, place this number in the Federal Reserve Bank of Cleveland's district (District 4). Digits five through eight, 0446, identify the institution within that district. The last digit, 9, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Citizens Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Citizens Bank checks or in its online banking. Ask the bank for wire instructions (www.citizensbankrb.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Citizens Bank
Citizens Bank is headquartered in Mount Vernon, Kentucky and was established in 1904. It is in the RICHMOND-BEREA, KY metro area. It reported $250.4M in total assets and $221.6M in deposits for Q2 2026, the 69th largest of the 120 banks headquartered in Kentucky. It reports 5 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.
What the digits in 042104469 mean
The first four digits, 0421, are the Federal Reserve routing symbol. The prefix 04 places the number in the 4th Federal Reserve District (Cleveland). That is also the district where the bank is headquartered. Digits five through eight, 0446, identify the institution within its Federal Reserve district. The last digit, 9, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 5 + 7 x 10 + 15 = 100, a multiple of 10, so 042104469 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Citizens Bank routing number?
The Citizens Bank routing number is 042104469. It is the primary ABA routing transit number registered to Citizens Bank, headquartered in Mount Vernon, KY. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Citizens Bank wire routing number?
This page lists the primary routing number registered to Citizens Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Citizens Bank before sending a wire.
Is ABA number 042104469 the routing number for Citizens Bank?
Yes. It is the primary routing number registered to Citizens Bank.
Which bank uses routing number 042104469?
It belongs to Citizens Bank, headquartered in Mount Vernon, KY. It is the bank's primary ABA routing number (FDIC certificate 262).
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Regulator records: FDIC BankFind (cert 262) · FFIEC NIC profile (RSSD 840019)