Utah's 'Silicon Slopes' tech corridor — stretching from Salt Lake City to Provo — has produced unicorn startups like Qualtrics, Domo, and Pluralsight, and draws tens of thousands of remote workers annually, all needing Utah-specific banking setup.
Utah has two of the largest credit unions in the United States by membership: Mountain America Credit Union and America First Credit Union, both of which emerged from the LDS church community banking tradition and have since opened membership broadly. Zions Bank is Utah's flagship regional institution, headquartered in Salt Lake City and serving the Mountain West.
National Banks in Utah
These banks use Utah-specific ACH routing numbers for accounts opened in Utah.
| 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 |
ACH vs. Wire: Which Number Do You Need?
| Transfer Type | Which Routing # | Speed | Cost |
|---|---|---|---|
| Direct Deposit | ACH Routing # | 1–3 days | Free |
| Wire Transfer | Wire Routing # | Same day | $15–$50 |
| Bill Pay | ACH Routing # | 1–5 days | Free |
Regional Banks in Utah
Headquartered or major operations in Utah. Typically one routing number statewide.
Zions Bank
SiteSalt Lake City-based. Utah's flagship regional bank. Part of Zions Bancorporation.
Celtic Bank
SiteSalt Lake City industrial bank specializing in SBA and fintech lending.
Ally Bank (headquarters)
SiteAlly Bank's legal charter is in Utah (industrial bank license). National online bank.
Utah Credit Unions
America First Credit Union, headquartered in Ogden, Utah, is the 7th largest credit union in the United States with over 1.3 million members and $20 billion in assets.
Mountain America Credit Union
SiteWest Jordan, UT CU. One of top 10 largest in the US. Open to Utah residents.
America First Credit Union
SiteOgden, UT CU open to Utah and Nevada residents. 7th largest CU in the US.
Cyprus Federal Credit Union
SiteWest Jordan, UT CU serving Salt Lake Valley residents.
Utah Community Credit Union
SiteProvo, UT CU open to Utah County residents and beyond.
FAQ — Utah Routing Numbers
Zions Bank uses 124000054 for Utah ACH transactions. Zions Bancorporation is the parent company of several regional banks across the Mountain West, each operating as separate charters. Bank of America's Utah routing number is different (124000054 applies to Zions). Always verify directly from your account dashboard — the same number sequence can appear with different institutions in different contexts.
Mountain America Credit Union is open to anyone who lives, works, worships, or attends school in Utah, Idaho, Nevada, Arizona, or New Mexico. With over 1 million members and $18 billion in assets, it's one of the ten largest credit unions in the US. Their routing number is 324079555.
Yes — Ally Bank's legal charter is an industrial bank licensed in Utah, which is why Utah is listed as its home state for regulatory purposes. However, Ally operates entirely online with no Utah branches. If you have an Ally account, you would use their specific routing number (not a Utah-based number) for transactions. Always find your routing number directly from Ally's online banking portal.
Chase uses 124001545 for ACH transactions on Utah accounts. This Mountain West routing number reflects Chase's Bank One Utah legacy from the late 1990s. Wire transfers use Chase's national domestic wire number: 021000021 regardless of which state the account was opened in.
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.