What Your Bank of America Routing Number Is and When You Need It

Your Bank of America routing number is a nine-digit code that identifies which Bank of America location or processing center handles your account

The routing number tells other banks and payment systems where to send money when you receive a transfer, direct deposit, or automatic payment. It is not the same as your account number — the routing number is the same for many customers at the same branch or processing center, while your account number is unique to you.

Bank of America routing numbers vary by state and by the type of account you hold. The most commonly used routing numbers are 011000015 for most consumer accounts and 121000248 for accounts held in certain states or through specific divisions. If you are unsure which one applies to your account, you can find it on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.

Key Takeaways

• Your Bank of America routing number is a nine-digit code that identifies where your account is processed, and it appears on the bottom left of your checks.
• Different routing numbers explore depending on your state and account type, so you should verify which one is correct for your specific account before providing it.
• You need your routing number when setting up direct deposits, automatic bill payments, or receiving wire transfers from other financial institutions.
• Your routing number is different from your account number — the routing number is shared among many customers, while your account number is unique to you alone.

Where to find your Bank of America routing number

The easiest place to locate your routing number is on a check from your Bank of America account. Look at the bottom left corner of the check — the first nine digits printed there are your routing number. The next set of digits is your account number, and the final number is the check number itself.

If you do not have checks available, you can log into your Bank of America online banking account or mobile app. The routing number is usually listed in the account details or settings section. You can also call Bank of America's customer service line and provide your account information — they will give you the correct routing number for your account over the phone.

When you need to provide your routing number

You will need your routing number when another person or organization needs to send money directly into your account. Common situations include setting up a direct deposit for your paycheck, arranging automatic bill payments from your account, or receiving a wire transfer from another bank.

Employers typically ask for your routing number and account number when you start a job and want your paycheck deposited directly. Utility companies, insurance providers, and loan servicers may also request it if you want to pay them automatically each month. If someone is sending you money from a different bank, they will ask for both your routing number and account number to complete the transfer.

Bank of America routing numbers by state and account type

Account Type or Region	Routing Number
Most consumer checking and savings accounts	011000015
Accounts in certain states or through Bank of America divisions	121000248
Bank of America business accounts	011000015 or 121000248 (verify with your account materials)

Bank of America uses primarily two routing numbers for most accounts, but the correct one depends on where your account was opened and what type of account you hold. If you provide the wrong routing number, the transfer may be delayed or rejected, so it is important to verify which one applies to you before sharing it.

If you are unsure which routing number is correct for your account, check your checks first — that is the most reliable source. If you still cannot find it or the information seems unclear, contact Bank of America directly through their website, app, or phone line to confirm.

What happens if you give the wrong routing number

If you provide an incorrect routing number, the transfer or deposit may not reach your account. In some cases, the money is sent to a different Bank of America account or returned to the sender. The process of recovering misrouted funds can take several days or weeks, depending on where the money went and whether the receiving institution cooperates.

To avoid this problem, always double-check your routing number before providing it to an employer, lender, or payment service. If you have already given out an incorrect number and are worried about a transfer, contact Bank of America when ready to report the error and ask for help locating the funds.

Routing numbers versus account numbers and SWIFT codes

Your routing number identifies the bank or processing center. Your account number identifies your specific account within that bank. Both are needed together for domestic transfers — the routing number tells the system where to send the money, and the account number tells it which account to deposit into.

A SWIFT code is different and is used only for international wire transfers. Bank of America's SWIFT code is BOFAUS3N, but you only need this if you are receiving money from outside the United States. For transfers within the U.S., you need only the routing number and account number.

Frequently Asked Questions

Is my Bank of America routing number the same as everyone else's at my branch?

Not necessarily. While many customers at the same branch may share a routing number, it depends on your account type and when the account was opened. The routing number identifies the processing center, not the physical branch location. Check your checks or online account details to confirm your specific routing number.

Can I use the same routing number for checking and savings accounts?

Yes, if both accounts are held at Bank of America and processed through the same center, they typically share the same routing number. However, you will need a different account number for each account. Verify by checking your account materials or contacting Bank of America if you are unsure.

What if I moved to a different state — do I need a new routing number?

No. Your routing number is tied to your account and the processing center, not your physical location. If you move but keep the same Bank of America account, your routing number stays the same. You do not need to update it unless you close your account and open a new one elsewhere.

Do I need my routing number to check my account balance or make transfers between my own accounts?

No. You only need your routing number when money is coming from outside Bank of America or when you are sending money to another bank. For transfers between your own Bank of America accounts or to check your balance, you just need your account number and online login information.

What should I do if I think someone has my routing number and account number?

Contact Bank of America right away. While your routing number is not secret, sharing both your routing number and account number together can allow someone to set up unauthorized transfers from your account. Bank of America can help you monitor your account for suspicious activity and may issue you a new account number if needed.