How to Find Your Bank of America ABA Number

Your Bank of America ABA number is a nine-digit code that identifies Bank of America as your bank in the U.S. banking system

The ABA number (also called a routing number) tells other banks and financial institutions which bank to send money to when you receive a wire transfer, direct deposit, or automatic payment. Bank of America's main ABA number is 026009593, but the actual number you need depends on which state your account is held in and which type of account you have. Bank of America uses different routing numbers for different regions and account types.

You will need your ABA number when you set up direct deposit at a new job, arrange automatic bill payments, or receive a wire transfer from someone outside your bank. The number stays the same for your account — it does not change when you move money around or update your account details.

Key Takeaways

• Bank of America's primary ABA number is 026009593, but your specific routing number depends on your state and account type.
• You can find your ABA number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
• Wire transfers, direct deposits, and automatic bill payments all require your correct ABA number to reach the right account.
• Using the wrong routing number will delay or reject your transaction, so verify the number matches your account location before submitting it.

Where to find your ABA number

The easiest place to find your ABA number is on a check from your checking account. Look at the bottom left corner of the check — you will see nine digits printed there. That is your routing number. The next set of digits to the right is your account number.

If you do not have checks or prefer not to use them, log into your Bank of America online banking account or mobile app. Go to your account details or account information section — the exact location varies depending on whether you are using the website or app, but it is usually under "Account Details" or "Manage Account." Your routing number will be listed there alongside your account number.

You can also call Bank of America directly at 1-800-432-1000 and ask a representative for your routing number. Have your account number ready when you call. Bank of America also publishes a full list of routing numbers by state on their website if you want to verify which number applies to your location.

Why Bank of America has multiple ABA numbers

Bank of America operates in all 50 states and uses different routing numbers for different regions. This is standard practice across large banks — the routing number system was designed to direct money to the correct regional processing center. When you open an account in a particular state, you are assigned the routing number for that state's processing center.

The type of account you hold can also affect which routing number applies. Some accounts use different routing numbers depending on whether they are checking, savings, or money market accounts, though this is less common than state-based differences. If you have multiple accounts at Bank of America, each one may have a different routing number depending on where it was opened.

What happens if you use the wrong ABA number

If you provide an incorrect routing number, the transaction will either be rejected outright or sent to the wrong bank. If it goes to the wrong bank, that institution will eventually return it to the sender, which delays the money reaching you by several business days. Your employer or the person sending you money will then have to resubmit with the correct number.

For bill payments, using the wrong routing number means your payment will not reach your creditor on time, which can result in a late fee or a mark on your credit report. Always double-check your routing number before submitting any transaction, especially for automatic payments that will recur monthly.

ABA number versus account number

Your ABA number (routing number) and your account number are two different pieces of information that work together. The ABA number tells the banking system which bank to send money to. Your account number tells that bank which specific account within the bank should receive the money. You need both numbers for most transactions.

On a check, the ABA number is the first nine digits at the bottom left. Your account number is the second set of digits, usually 10 to 12 digits long. When you set up direct deposit or a wire transfer, you will be asked for both. Providing only one without the other will not work — the receiving bank needs both to route the money correctly.

Using your ABA number for common transactions

When you start a new job and need to set up direct deposit, your employer will ask for your routing number and account number. Provide your Bank of America ABA number along with your account number, and your paycheck will be deposited directly into your account on payday.

If you are paying a bill through automatic withdrawal (like a utility bill or loan payment), the company will ask for your routing and account numbers. They use this information to pull the payment from your account on the date you specify. Make sure the number you provide matches the account you want the payment to come from.

For wire transfers, whether you are sending or receiving money, the ABA number identifies which bank the money should go to. If someone is sending you a wire transfer, give them your Bank of America ABA number and your account number. If you are sending a wire, you will need the recipient's bank's ABA number and their account number.

Frequently Asked Questions

Is Bank of America's ABA number the same for everyone?

No. While Bank of America's primary routing number is 026009593, the specific number for your account depends on which state your account is held in and sometimes the type of account. Check your checks or online banking to find the routing number assigned to your specific account rather than assuming all Bank of America accounts use the same number.

Can I change my ABA number?

No, you cannot change your routing number. It is assigned to your account based on where you opened it and which processing center handles that region. If you move to a different state, your routing number stays the same unless you close the account and open a new one in the new state.

Do I need my ABA number to transfer money between my own Bank of America accounts?

No. When you transfer money between your own accounts at Bank of America, you only need your account numbers. The routing number is only needed when money is moving between different banks or when setting up payments from outside institutions.

What if I cannot find my routing number?

Call Bank of America at 1-800-432-1000 with your account number ready, and a representative will provide your routing number. You can also visit Bank of America's website and use their routing number lookup tool by entering your state and account type.

Is my ABA number the same as my SWIFT code?

No. Your ABA number (routing number) is used for domestic U.S. transfers only. A SWIFT code is used for international wire transfers. Bank of America has a separate SWIFT code for international transactions. If you are receiving money from outside the United States, ask the sender whether they need your routing number or your SWIFT code.