How to Find Your Bank of America Routing Number

What a Bank of America routing number is and why you need it

A routing number is a nine-digit code that identifies which bank or credit union holds your account. Bank of America routing numbers tell the financial system where to send or pull money during transfers, direct deposits, and bill payments. When you set up a wire transfer, arrange a direct deposit from your employer, or pay a bill by check, you will need to provide this number so the money goes to the right place.

Bank of America has multiple routing numbers because different branches, regions, and account types use different codes. The routing number for a checking account in California is not the same as the one for a savings account in New York. Knowing which number belongs to your specific account matters — using the wrong one can delay a transfer or send money to the wrong account entirely.

Key Takeaways

• Bank of America routing numbers are nine-digit codes that vary by state, account type, and branch location.
• You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
• The routing number for wire transfers may differ from the one for ACH transfers or direct deposits, so confirm which type of transfer you are making.
• If you provide an incorrect routing number, the transfer may be rejected or delayed, but the money typically returns to the sending account within one to three business days.

Where to find your Bank of America routing number

The easiest place to locate your routing number is on a check from your account. Look at the bottom left corner of the check — the first nine digits printed there make up your routing number. The next set of numbers is your account number, and the final digits are the check 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 the account details or account information section — the routing number appears alongside your account number. You can also call Bank of America customer service at 1-800-432-1000 and provide your account information; a representative will give you the correct routing number for your specific account.

Bank of America also publishes routing numbers by state on its website. However, because the bank uses different numbers for different regions and account types, searching a state-level list may give you multiple options. Confirming the number from your checks or account portal ensures you have the right one.

Routing numbers for different types of transfers

Bank of America uses the same routing number for most transfers — ACH transfers (electronic transfers between banks), direct deposits, and bill payments all typically use the number on your checks. However, wire transfers sometimes require a different routing number.

For domestic wire transfers, Bank of America may direct you to use a specific wire routing number that differs from your standard routing number. Before you initiate a wire transfer, contact Bank of America or ask the institution sending the wire what routing number they need. Using the wrong number for a wire transfer can cause the money to be rejected or routed to the wrong bank.

International wire transfers have their own requirements and may need a SWIFT code (an international identifier) in addition to or instead of a routing number. If you are receiving money from outside the United States, ask the sender what information Bank of America requires.

What happens if you use the wrong routing number

If you provide an incorrect routing number, the receiving bank will typically reject the transfer. The money does not leave your account, or it returns to the sending account within one to three business days. You can then resubmit the transfer with the correct routing number.

In rare cases, a transfer with a wrong routing number may reach a different bank or account by accident. If this happens, contact Bank of America when ready with the transfer details — the bank can work with the receiving institution to recover the funds. The process can take several days or longer, so catching the error quickly matters.

To avoid this problem, double-check the routing number before you confirm any transfer. Copy it directly from your check or account portal rather than typing it from memory.

Routing numbers versus account numbers

A routing number and an account number are two different pieces of information, and both are needed for most transfers. The routing number identifies the bank or branch where your account is held. The account number identifies your specific account within that bank.

On a check, the routing number is the first nine digits at the bottom left. The account number follows when ready after and is typically 10 to 12 digits long. When you set up a transfer, you will need to provide both numbers so the money reaches the correct account at the correct bank.

Routing numbers for Bank of America business accounts

Business accounts at Bank of America use routing numbers just like personal accounts do. The routing number depends on the state where the business account is held and the type of account. You can find the routing number on business checks the same way you would on personal checks — at the bottom left corner.

If you manage a business account and need the routing number for payroll, vendor payments, or other transfers, log into your Bank of America business online banking portal or call the business customer service line. Providing the account holder's name and account information will help the representative confirm the correct routing number for your business account type.

Frequently Asked Questions

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

No. Bank of America routing numbers vary by state and sometimes by account type. A checking account in Texas may have a different routing number than a savings account in Florida. Always verify the routing number for your specific account rather than assuming all your accounts share the same number.

Can I use the routing number from someone else's Bank of America check?

Only if that person's account is held at the same branch or regional location as yours. Because routing numbers vary by location, using another person's number could direct your transfer to the wrong place. Always use the routing number from your own checks or account information.

What is the difference between a routing number and a SWIFT code?

A routing number is used for domestic transfers within the United States. A SWIFT code is an international identifier used for transfers outside the U.S. If you are sending or receiving money internationally, you will need the SWIFT code instead of or in addition to the routing number.

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

No. Transfers between your own accounts at Bank of America typically only require your account numbers. You only need a routing number when transferring money to or from accounts at other banks.

How long does it take to correct a transfer sent to the wrong routing number?

If the transfer is rejected, the money returns to your account within one to three business days. If the money reached a different account, recovery can take longer — sometimes a week or more. Contact Bank of America as soon as you notice the error so the bank can begin tracing the transfer.