How to Find Your Bank of America Routing Number

Your Bank of America routing number is a nine-digit code that identifies which Bank of America location processes your account

The routing number tells other banks and payment systems where to send money when you receive a transfer, direct deposit, or wire. It is not the same as your account number — your account number identifies your specific account, while the routing number identifies the bank branch or processing center handling it.

Bank of America uses different routing numbers depending on the state where your account was opened and the type of account you have. This means you need to find the specific routing number for your account, not just any Bank of America routing number.

Key Takeaways

• Bank of America routing numbers are nine digits and vary by the state where your account was opened.
• 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 is used for direct deposits, wire transfers, and ACH payments — not for debit card or ATM transactions.
• If you opened your account in one state and moved to another, your original routing number stays the same.

Where to find your routing number on a check

The easiest place to look is the bottom left corner of any check from your account. You will see three groups of numbers: the routing number on the far left (nine digits), your account number in the middle (usually ten to twelve digits), and the check number on the right.

The routing number is always the first set of nine digits. It appears in both printed form and in magnetic ink character recognition (MICR) format, which is the machine-readable version banks use to process checks.

How to find it in your online banking account

Log into your Bank of America online banking portal or mobile app. Go to the account details or account information section — the exact location varies slightly depending on whether you are using a computer or phone, but it is usually under "Account" or "Settings."

Your routing number will be listed alongside your account number. Some accounts show it as "Routing Number," while others label it "ABA Number" (ABA stands for American Bankers Association, the organization that assigns routing numbers). Both terms refer to the same nine-digit code.

Calling Bank of America to confirm your routing number

If you cannot find your checks or do not have online banking set up yet, you can call Bank of America customer service at 1-800-432-1000. Have your account number ready, and a representative will provide your routing number over the phone.

This is also the right approach if you are unsure whether you have the correct routing number or if you have moved states since opening your account and want to confirm nothing has changed.

Why routing numbers matter for different types of transfers

You need your routing number when setting up direct deposit from an employer or government agency, sending an ACH transfer (a bank-to-bank transfer that takes one to three business days), or requesting a wire transfer. You do not need it for debit card purchases, ATM withdrawals, or credit card payments.

If you give someone the wrong routing number, the money may be sent to the wrong bank or rejected entirely. That is why it is worth double-checking before you provide it to a new employer or service.

What happens if you use the wrong routing number

If you accidentally provide an incorrect routing number, the sending bank will usually catch the error and reject the transfer. The money stays with the sending bank, and you will be notified that the transfer failed.

In rare cases, money sent to the wrong routing number may reach a different bank. If this happens, contact Bank of America when ready with the transfer details. The bank can work with the other institution to locate and return the funds, though this process can take several weeks.

Routing numbers for different Bank of America account types

Bank of America uses the same routing number for most checking and savings accounts opened in the same state. However, if you have a Bank of America business account, investment account, or account opened through a merger with another bank, the routing number may be different.

If you have multiple accounts with Bank of America, check each one individually to confirm the routing number. The online banking portal will show the correct number for whichever account you are viewing.

Frequently Asked Questions

Is the routing number the same as the SWIFT code?

No. The routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. Bank of America has a SWIFT code, but it is different from your routing number. You can find your SWIFT code in your online banking portal or by calling customer service.

Do I need a routing number to use my debit card?

No. Debit card purchases and ATM withdrawals use your card number and PIN, not your routing number. Routing numbers are only needed for bank-to-bank transfers, direct deposits, and ACH payments.

What if I moved to a different state after opening my account?

Your routing number does not change when you move. It is tied to the state where you originally opened the account, not where you currently live. You can continue using the same routing number for all transfers.

Can I find a Bank of America routing number online without logging in?

Bank of America publishes a list of routing numbers by state on their website, but you should verify your specific routing number through your checks, online banking, or by calling customer service. Using a general state routing number instead of your account's specific routing number can cause transfers to fail.