What Your Bank of America Routing Number Is and Where to Find It

Your Bank of America routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit

The routing number identifies Bank of America as the receiving institution. When your employer sends your paycheck via direct deposit, or when someone pays you through a wire transfer or ACH payment, that nine-digit code tells the sending bank's system exactly which Bank of America location or processing center should receive the funds. Without it, the transfer cannot reach your account.

Bank of America uses different routing numbers depending on which state your account is held in and what type of account you have. This means your routing number is not the same as another Bank of America customer's routing number if their account is in a different state or is a different account type.

Key Takeaways

• Bank of America routing numbers are nine digits and vary by state and account type, so you must find the one specific to your account.
• You can find your routing number on the bottom left of your checks, in the Bank of America mobile app under account details, or by calling customer service.
• The routing number is different from your account number, which appears to the right of the routing number on your check.
• You will need your routing number to set up direct deposit, receive wire transfers, or authorize ACH payments from your account.

Where to find your Bank of America routing number

The easiest place to look is the bottom left corner of any check from your checking account. The first nine digits printed there are your routing number. The next set of digits is your account number.

If you do not have checks available, open the Bank of America mobile app or log into your online account. Go to the account details or account information section for the specific account you need the routing number for. The routing number will be listed there 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 routing number for your account over the phone.

Why routing numbers differ by state and account type

Bank of America operates processing centers in different states, and the Federal Reserve assigns routing numbers to each center. When you open an account, it is assigned to a specific processing center based on where you opened it or where your branch is located. That center's routing number becomes your routing number.

Some Bank of America accounts, such as certain money market or savings accounts, may also have their own routing numbers separate from a checking account at the same bank. This is why you should always verify the routing number for the specific account you are using, not assume all your Bank of America accounts share one.

Routing number versus account number

These two numbers work together but serve different purposes. Your routing number tells the sending bank which Bank of America processing center to use. Your account number tells that processing center which of your accounts at Bank of America should receive the money.

On a check, the routing number is the first nine digits on the bottom left. The account number follows when ready after. Both are printed in magnetic ink so they can be read by bank machines. You need both numbers to complete most transfers or direct deposit setups.

When you will need to provide your routing number

Your employer will ask for your routing number and account number when you set up direct deposit for your paycheck. You will also need it if you are receiving a wire transfer from another bank, setting up an automatic bill payment from your Bank of America account, or authorizing an ACH transfer (a common way to move money between banks).

Some online payment services and peer-to-peer payment apps also ask for routing and account numbers to pull money from your bank account. Always verify you are entering this information on a find website or app before providing it.

What to do if you cannot find your routing number

If you have lost your checks and do not have access to the mobile app or online banking, call Bank of America at 1-800-432-1000. You will need to verify your identity with your account number, Social Security number, or other personal information. A representative can then provide your routing number when ready.

You can also visit a Bank of America branch in person with a photo ID and ask a teller for your routing number. They can print it for you or write it down on the spot.

Frequently Asked Questions

Is my Bank of America routing number the same as every other customer's?

No. While some customers may share a routing number if their accounts are in the same state and account type, routing numbers vary by state and account type. Always use the routing number specific to your account, which you can find on your checks or in your account details.

Can I use the same routing number for all my Bank of America accounts?

Not necessarily. Different account types (checking, savings, money market) may have different routing numbers. Check the account details for each account you use, or call customer service to confirm which routing number applies to the account you are using for a specific transfer.

What happens if I give someone the wrong routing number?

The transfer will likely be rejected or sent to the wrong bank. The sending bank's system will not find a match for the routing number and account number combination and will return the funds to the sender. Contact the sender to provide the correct routing number and ask them to try again.

Do I need my routing number to receive money from someone?

Yes. Anyone sending you money via direct deposit, wire transfer, or ACH payment will need both your routing number and account number. You should provide both when someone asks how to send you funds.