Bank of America Routing Numbers by Account Type and Location

Bank of America has different routing numbers depending on your account type and state

Bank of America uses multiple routing numbers because different account types and locations route through different processing centers. The routing number you need depends on whether you have a checking account, savings account, or money market account, and which state your account was opened in. You cannot use just any Bank of America routing number — using the wrong one will cause transfers to fail or be delayed.

The most common routing number for Bank of America checking and savings accounts opened in most states is 026009593. However, if your account was opened in Connecticut, New Jersey, New York, or Pennsylvania, your routing number is 021200025. If your account is in Illinois, Indiana, or Iowa, it is 071000013. These are the three routing numbers that cover the majority of Bank of America customers.

You can find your specific routing number by logging into your Bank of America online account, calling customer service at 1-800-432-1000, or looking at the bottom left corner of any check you have — the nine-digit number printed there is your routing number.

Key Takeaways

• Bank of America's most widely used routing number is 026009593, but the correct number depends on your account type and the state where you opened your account.
• Accounts opened in Connecticut, New Jersey, New York, or Pennsylvania use routing number 021200025 instead of the standard number.
• Accounts opened in Illinois, Indiana, or Iowa use routing number 071000013.
• Your routing number appears on the bottom left of any check, or you can find it through your online account or by calling Bank of America customer service.

How to locate your routing number online

Log into your Bank of America account on the website or mobile app. Go to the account details or account information section — the exact location varies slightly between the website and app, but both have a dedicated area for account numbers and routing information. Your routing number will be listed alongside your account number.

If you do not remember your login credentials, you can call Bank of America at 1-800-432-1000 and speak with a representative who can provide your routing number over the phone. Have your account number or the phone number associated with your account ready when you call.

Routing numbers for wire transfers and ACH payments

The routing number you use for wire transfers and ACH (Automated Clearing House) payments is the same routing number you use for direct deposit and other electronic transfers. Do not use a different number based on the type of transfer — your account's routing number works for all electronic payment methods.

When you send a wire transfer, you will also need the recipient's account number and the name on the account exactly as it appears at their bank. Wire transfers typically process within one business day, while ACH transfers can take two to three business days.

Routing numbers for different Bank of America account types

Bank of America uses the same routing number for checking accounts, savings accounts, and money market accounts within the same state or region. You do not need a separate routing number for each account type you hold. If you have both a checking and savings account at Bank of America, both accounts use the same routing number.

The only exception is if your accounts were opened in different states or regions. For example, if you have a checking account opened in California and a savings account opened in New York, the California account uses 026009593 while the New York account uses 021200025.

What to do if a transfer fails or is delayed

If a transfer fails, the most common reason is an incorrect routing number. Double-check that you entered the nine-digit number correctly and that it matches your account's state or region. If the routing number is correct, verify that the recipient's account number is also correct — a single digit wrong in either number will cause the transfer to fail.

Contact Bank of America customer service at 1-800-432-1000 if a transfer was rejected. They can tell you whether the issue was the routing number, the account number, or another problem, and they can help you resubmit the transfer with the correct information. Keep any confirmation numbers or error messages from the failed transfer so you can reference them when you call.

Frequently Asked Questions

Is the routing number the same for all Bank of America branches?

No. Bank of America routing numbers are organized by state or region, not by individual branch. All branches in the same state use the same routing number, but branches in different states may use different routing numbers. Your specific routing number depends on which state your account was opened in, not which branch you visit.

Can I use 026009593 if my account is in New York?

No. If your account was opened in New York, Connecticut, New Jersey, or Pennsylvania, you must use 021200025. Using the wrong routing number will cause transfers to fail or be delayed. Check your account details or a check to confirm which routing number belongs to your account.

Do I need a different routing number for mobile payments or Zelle?

No. When you use Zelle or other mobile payment services through Bank of America, the app or service handles the routing information automatically. You do not need to enter a routing number manually for these transfers — you only need the recipient's phone number or email address.

What if I have an old check with a different routing number?

Bank of America occasionally updates routing numbers, though this is rare. If an old check shows a different routing number than what Bank of America lists as current, use the current routing number for any new transfers. The old number may still work for some transactions, but using the current number ensures your transfer processes correctly.