Routing NumberAddressCityState
1121142148PO BOX 3938ONTARIOCA
21220400903833 EBONY STONTARIOCA
31222007593833 EBONY STONTARIOCA
41222341493833 EBONY STONTARIOCA
51222375443833 EBONY STONTARIOCA
6122237612PO BOX 3938ONTARIOCA
71222376543833 EBONY STONTARIOCA
8122238048PO BOX 3938ONTARIOCA
91222385433833 EBONY STONTARIOCA
101222389123833 EBONY STONTARIOCA
111222399373833 EBONY STONTARIOCA
121222400103833 EBONY STONTARIOCA
131222401043833 EBONY STONTARIOCA
14122240450PO BOX 3938ONTARIOCA
151222406673833 EBONY STONTARIOCA
16122240670PO BOX 3938ONTARIOCA
17122240696PO BOX 3938ONTARIOCA
18122240764PO BOX 3938ONTARIOCA
191222408903833 EBONY STONTARIOCA
20122241912PO BOX 3938ONTARIOCA
21122242759PO BOX 3938ONTARIOCA
221222435413833 EBONY STONTARIOCA


What is an ACH Routing Number?

An ACH routing number is a 9-digit code that identifies the financial institution that handles electronic financial transactions. It’s used to route payments like direct deposits, bill payments, and transfers to the correct bank account.

Routing numbers are central to the proper functioning of the Automated Clearing House (ACH) network, which handles direct electronic payments between banks.

Function of Routing Numbers

Routing numbers serve several key functions:

  • Identify the bank or credit union where an account is held
  • Route ACH payments like payroll, bill payments, government benefits
  • Used to set up wire transfers and direct deposits

So in summary, routing numbers act like a postal address, telling the ACH network where to send a payment.

Structure of Routing Numbers

ACH routing numbers always follow a specific format:

  • 9-digit number
  • First 4 digits identify Federal Reserve routing symbol
  • Next 4 digits identify financial institution
  • Final digit is a checksum number

TheStructured format helps payments get routed quickly and accurately.



CITIZENS BUSINESS BANK (CBB) is a business bank based in Ontario, California. It’s one of the largest banks headquartered in California, with assets over $11 billion.

CBB offers a full range of banking services to businesses of all sizes, as well as individuals and nonprofit organizations. It has over 50 branches across California.


CBB was established in 1974 under the name Chino Valley Bank. It adopted the CITIZENS BUSINESS BANK name in 2000.

Over the decades, CBB has grown rapidly through mergers and acquisitions. Some key events:

  • 1981: Acquired First National Bank of Newport Beach
  • 1996: Acquired twenty branches of Wells Fargo
  • 2004: Expanded into San Diego by acquiring Community National Bank

Today CBB continues to expand as one of the fastest growing banks in California.


CBB offers a full array of banking solutions for all types of customers:


  • Business checking and savings accounts
  • Commercial lending
  • Treasury management and cash handling
  • Retirement plan services
  • Insurance, investments, and more


  • Personal checking and savings
  • Mortgages and personal loans
  • Credit cards
  • Wealth management

Nonprofits & Associations

  • Specialized services like custody, investments, retirement plans


Where to Find the Routing Number

The routing number for CITIZENS BUSINESS BANK is 122240764.

This 9-digit number is assigned by the American Bankers Association and uniquely identifies CBB.

You can find the routing number:

  • At the bottom of CBB checks
  • On CBB’s website
  • Within online or mobile banking


The CBB routing number is essential for setting up electronic bank transfers. Key uses include:

Setting up Direct Deposit

Provide the CBB routing number to your employer or payer to have your paycheck or benefits deposited directly.

Wiring Money

Give the routing number to send or receive domestic wire transfers via CBB.

Receiving ACH Payments

Merchants, billers, or individuals can use the routing number to send you payments via ACH transfer.

Errors to Avoid with Routing Number

It’s crucial to avoid mistakes when using the routing number, since an incorrect number can cause payment issues:

  • Double check digits – typos are common
  • Don’t confuse with account number
  • Verify number matches bank name
  • Check for invalid or outdated numbers

Even a minor error might send your payment to the wrong account or cause rejection.

How Routing Numbers Work in ACH Transfers

ACH Transfer System

The Automated Clearing House (ACH) network is an electronic payment system that coordinates debit and credit transfers between participating banks. It’s used for:

  • Direct deposit of payroll, benefits, rebates
  • Online and mobile bill payments
  • Business-to-business payments

ACH transfers follow a batch processing model and take 1-3 business days for money movement.

Participating Banks and Credit Unions

Almost all major banks and credit unions participate in the ACH network. The benefits of ACH include:

  • Efficient way to move money electronically
  • Replaces slower paper checks
  • Low cost per transaction
  • Handles billions in payments daily

Moving Money Via ACH

Routing numbers enable key types of ACH transfers:

Direct Deposit

Employers can send payroll, 401k contributions, etc. to employee accounts using ACH and bank routing numbers.

Online Bill Pay

Consumers and businesses can pay bills electronically, pulled directly from their account.

Wire Transfers

Banks can wire money domestically by specifying routing and account numbers.


Key Takeaways

  • ACH routing numbers uniquely identify banks to route payments
  • The routing number for CITIZENS BUSINESS BANK is 122240764
  • CBB’s routing number enables direct deposit, wires, online payments
  • Mistakes in routing numbers cause payment issues
  • The ACH network relies on bank routing data for transfers

Proper use of routing numbers like CBB’s is crucial for smooth electronic money movement. Double check the digits when initiating any ACH debit or credit transaction.


FAQ 1: How do I find the routing number for my CITIZENS BUSINESS BANK account?

The CBB routing number (122240764) is the same across all CBB accounts. You can confirm it on your checks, bank statement, or the CBB website.

FAQ 2: Can I use the CBB routing for wire transfers to international banks?

No, CBB’s routing number is for domestic ACH and wire transfers only within the United States. For international wires, you’ll need to provide CBB’s SWIFT code and IBAN number.

FAQ 3: What happens if I enter the wrong CITIZENS BUSINESS BANK routing number?

Providing an incorrect routing number may cause your payment or deposit to be rejected, misrouted, or significantly delayed. Always double check the number to avoid issues.

FAQ 4: Where can I find routing numbers for other banks?

Routing numbers for all U.S. banks are available online at the Federal Reserve website or sites like You can also get numbers directly from checks, statements, or the bank’s website.

FAQ 5: Do credit unions have routing numbers?

Yes, credit unions are participants in the ACH network and use the same 9-digit routing number format. Credit union routing numbers help facilitate electronic transfers.

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