Bank Routing Number

SoFi Bank, N.A. Routing Number

The primary ABA routing number (RTN) for SoFi Bank, N.A., Cottonwood Heights, UT is shown below.

Primary ABA / RTN

121145323

Verify before you send money. This is the bank's primary registered routing number, taken from the FFIEC National Information Center institution record (last refreshed here on October 8, 2026). Banks often use a different routing number for wire transfers than for ACH, and large banks vary it by region; always confirm the correct number on a check or with your bank before initiating a transfer.

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the SoFi Bank, N.A. routing number?

The SoFi Bank, N.A. routing number is 121145323. It is the primary ABA routing transit number registered to SoFi Bank, N.A., headquartered in Cottonwood Heights, UT. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the SoFi Bank, N.A. wire routing number?

This page lists 121145323, the primary routing number registered to SoFi Bank, N.A. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with SoFi Bank, N.A. before sending a wire.

Is ABA number 121145323 the routing number for SoFi Bank, N.A.?

Yes. ABA number 121145323 is the primary routing number registered to SoFi Bank, N.A. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 121145323?

Routing number 121145323 belongs to SoFi Bank, N.A., headquartered in Cottonwood Heights, UT. It is the bank's primary ABA routing number (FDIC certificate 26881).

Routing numbers of similar-size institutions in Utah

Bank, Salt Lake City, UT: Zions Bancorporation, N.A.: 124000054
Bank, Salt Lake City, UT: Sallie Mae Bank: 124385119
Bank, Draper, UT: Synchrony Bank: 124085008
Credit union, Riverdale, UT: America First Federal Credit Union: 324377516
Bank, Salt Lake City, UT: UBS Bank USA, N.A.: 026073192
Credit union, West Jordan, UT: Mountain America Federal Credit Union: 324079555
Bank, Draper, UT: Optum Bank, Inc.: 124384877
Bank, Sandy, UT: Ally Bank: 072014477

All routing numbers in Utah

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Regulator records: FDIC BankFind (cert 26881) · FFIEC NIC profile (RSSD 962966)