What Bank of America's Transit Number Is and How to Find It

A Bank of America transit number is a nine-digit code that identifies the specific branch where your account is held

The transit number — also called a routing number or ABA number — tells other banks and payment systems which Bank of America location processes your account. When you send money through wire transfer, set up direct deposit, or arrange automatic bill payments, the receiving or sending institution uses this number to route the transaction to the correct branch.

Bank of America has different transit numbers for different states and regions. The number you need depends on where your account was opened or which branch you use, not where you currently live. If you move to another state, your transit number stays the same.

Key Takeaways

• Your Bank of America transit number is a nine-digit code specific to the branch where your account is held, and you need it for wire transfers and direct deposit setup.
• Bank of America publishes a full list of transit numbers by state on its website, organized by account type and region.
• You can find your transit number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
• The transit number stays the same even if you move to a different state, because it identifies your original branch, not your current location.

Where to find your transit number

The easiest place to look is the bottom left corner of your checks. The first nine digits printed there are your transit number. If you do not have checks or prefer not to look them up manually, you have three other options.

Log into your Bank of America online banking account and go to the Account Information or Account Details section. The routing number appears there alongside your account number. You can also call Bank of America's customer service line at 1-800-432-1000 and ask a representative for your transit number — they will confirm it over the phone.

Bank of America also publishes a complete routing number lookup tool on its website. You enter your state and account type (checking or savings), and the tool returns the correct nine-digit number for your branch.

Why different branches have different transit numbers

Bank of America operates thousands of branches across the United States, and the Federal Reserve assigns a unique transit number to each one. This system allows the banking network to process transactions accurately and quickly, because the receiving bank knows exactly which branch holds the account.

When you open an account at a specific branch, that branch's transit number becomes permanently linked to your account. If you later visit a different Bank of America branch or move to another state, your original transit number does not change. The system still knows to send transactions to your original branch for processing.

When you need to use your transit number

Wire transfers are the most common reason to provide your transit number. Whether you are sending money out of your Bank of America account or receiving money into it, the other party or their bank will ask for your routing number to complete the transfer.

Direct deposit also requires your transit number. When your employer or a government agency sets up direct deposit to your Bank of America account, they use the routing number to identify where the deposit should land. The same applies to automatic bill payments: if you set up a payment from your Bank of America account to pay a utility bill or loan, the biller uses your transit number to pull the money from the correct account.

ACH transfers — the electronic system that moves money between bank accounts — also use your transit number. If you are transferring money between your Bank of America account and an account at another bank, both institutions use routing numbers to process the move.

The difference between transit number and account number

Your transit number and your account number are two separate pieces of information, and both are usually needed for transactions. The transit number identifies the branch; your account number identifies your specific account at that branch. Think of it like an address: the transit number is the street and city, and your account number is the house number.

On a check, the transit number appears first (the leftmost nine digits), and your account number follows it. When you provide banking information to set up direct deposit or a wire transfer, you will typically enter both numbers in separate fields.

What to do if you cannot find your transit number

If you do not have checks and cannot access your online banking account, calling Bank of America is the fastest option. Have your account number and a form of identification ready when you call, because the representative will verify your identity before sharing the information.

You can also visit a Bank of America branch in person and ask a teller for your routing number. They can print it for you or write it down on the spot. This is useful if you need the number when ready and do not want to wait for a phone call.

Frequently Asked Questions

Is my Bank of America transit number the same as my routing number?

Yes. Transit number, routing number, and ABA number all refer to the same nine-digit code. Banks and financial institutions use these terms interchangeably. You will see all three terms used in Bank of America materials and on forms.

Do I need a different transit number if I have multiple accounts?

No. If all your accounts are held at the same Bank of America branch, they share the same transit number. Each account has its own account number, but the routing number stays the same across all accounts at that branch.

What happens if I give the wrong transit number?

A wire transfer or direct deposit sent to the wrong transit number may be delayed or rejected. The receiving bank will try to match the account number to the branch, and if they do not match, the transaction can bounce back. Always double-check your transit number before submitting a wire transfer or setting up direct deposit.

Can I use any Bank of America transit number, or does it have to be my specific branch?

You must use the transit number for the branch where your account is held. Using a different Bank of America routing number will cause the transaction to fail or be sent to the wrong account. If you are unsure which branch your account is at, check your checks or call customer service.

Does my transit number change if I move to a different state?

No. Your transit number is tied to the branch where you opened your account, not to your current location. Even if you move across the country, your routing number remains the same because it still identifies your original branch.