Rhode Island is the unlikely headquarters of Citizens Bank — one of the top 15 largest US banks with over $220 billion in assets — making tiny Rhode Island home to a significantly larger bank than most US states many times its size.
Providence's banking scene reflects the state's unique history as a colonial-era financial center, with several mutual savings banks dating back to the early 1800s. Citizens Bank dominates Rhode Island retail banking, having started as High Street Bank in Providence in 1828. BankNewport and Centreville Bank serve as the state's most prominent true community banks.
National Banks in Rhode Island
These banks use Rhode Island-specific ACH routing numbers for accounts opened in Rhode Island.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
When You Need a Rhode Island Routing Number
Direct Deposit
Use your ACH routing number for payroll setup.
Tax Refunds
IRS refunds use ACH — always use the ACH number.
Wire Transfers
Large payments require a separate wire routing number.
Bill Pay
Autopay uses the ACH routing number, same as your checks.
Regional Banks in Rhode Island
Headquartered or major operations in Rhode Island. Typically one routing number statewide.
BankNewport
SiteNewport, RI mutual savings bank serving the Aquidneck Island and Newport County area.
Centreville Bank
SiteWest Warwick, RI mutual savings bank serving Kent County and surrounding areas.
Washington Trust (RI)
SiteWesterly, RI. One of the oldest community banks in the US, founded 1800.
Brookline Bank (RI operations)
SiteMassachusetts-based bank with significant Rhode Island presence.
Rhode Island Credit Unions
Washington Trust Company in Westerly, Rhode Island was founded in 1800 — making it one of the five oldest continuously operating banks in the United States, older than the Federal Reserve by 113 years.
FAQ — Rhode Island Routing Numbers
Citizens Bank uses 011500010 for ACH transactions on Rhode Island accounts. Citizens Bank is headquartered in Providence — this is its home routing number, not an inherited regional one. Citizens traces its Providence origins to High Street Bank, founded in 1828, which eventually became Citizens through a series of acquisitions and a 2014 IPO from Royal Bank of Scotland.
Washington Trust Company, headquartered in Westerly, RI, was founded in 1800 — making it one of the oldest continuously operating banks in the United States. It predates the US Federal Reserve by over 100 years. Washington Trust serves Rhode Island and southeastern Connecticut. Their routing number is 211070175.
Yes — Navigant Credit Union is open to all Rhode Island residents, making it one of the most accessible credit unions in the state. Based in Providence, Navigant serves members statewide with competitive rates. Their routing number is 211391562.
Chase has a limited branch presence in Rhode Island — it's a smaller market dominated by Citizens Bank. Chase uses 021100361 for Rhode Island ACH accounts, the same number as Connecticut. Many Rhode Island residents use Citizens Bank or local mutual savings banks for day-to-day banking, with Chase/BofA used primarily for credit cards or investment accounts.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.