How to Find Your Bank of America Routing Number

Bank of America routing numbers depend on which state your account is held in

Bank of America does not have a single routing number for the entire company. Instead, the routing number you need depends on the state where your account was opened and where your branch is located. The most commonly used routing number for Bank of America accounts is 026009593, which covers most states and online accounts. However, if your account is held in Connecticut, New York, or a few other states, your routing number will be different.

You need the correct routing number when you set up direct deposit, arrange wire transfers, or receive payments from employers or government agencies. Using the wrong routing number can delay or misdirect your payment. The routing number is a nine-digit code that identifies your specific bank and branch in the Federal Reserve system.

Key Takeaways

• The routing number 026009593 works for Bank of America accounts in most states and for online accounts.
• Connecticut, New York, and a small number of other states have their own routing numbers that differ from the main one.
• 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 different from your account number and is required for direct deposit, wire transfers, and ACH payments.

Where to find your routing number on a check

The easiest way to locate your routing number is to look at a check from your Bank of America account. At the bottom left corner of the check, you will see nine digits printed in a special magnetic ink. This is your routing number. It always appears before your account number, which is the longer string of digits that follows it.

If you do not have checks or prefer not to write one, you can find the routing number in your online banking account. Log in to your Bank of America account, go to the settings or account information section, and look for routing number or bank details. The exact location varies slightly depending on whether you use the website or mobile app, but it is typically listed under account information or transfer settings.

Routing numbers by state

Most Bank of America customers use routing number 026009593 regardless of where they live, as long as their account is a standard checking or savings account. However, a few states have their own routing numbers. Connecticut accounts use 011000015, and New York accounts use 021000018. If you opened your account online or transferred it between states, you may still use the main routing number even if you now live elsewhere.

The best way to confirm which routing number applies to your account is to check your checks or your online banking portal. These sources always show the correct routing number for your specific account. If you are unsure after checking both, you can call Bank of America at 1-800-432-1000 and provide your account number to a representative, who will confirm the routing number.

The difference between routing number and account number

Your routing number and account number are two separate pieces of information that work together. The routing number identifies Bank of America and your specific branch in the banking system. Your account number identifies your individual account within that bank. Both are required when you set up direct deposit or authorize someone to send you money electronically.

When you give someone your banking information for a wire transfer or direct deposit, you will need to provide both numbers. The routing number tells the sending bank where to send the money, and the account number tells Bank of America which account within the bank should receive it. Mixing up these numbers or providing an incorrect one can cause delays or send money to the wrong account.

Using your routing number for direct deposit and transfers

Direct deposit is one of the most common reasons you will need your routing number. When you start a new job, your employer will ask for your routing number and account number so they can deposit your paycheck directly into your account. You provide this information on a form, usually called a direct deposit authorization or ACH form. The same routing number works for setting up automatic bill payments through your bank or for receiving payments from government agencies like Social Security or the IRS.

If you are sending money to another person's Bank of America account, you will also need their routing number and account number. Wire transfers and ACH transfers both require this information. ACH transfers are slower but free, while wire transfers are faster but usually cost a fee. Your Bank of America online banking portal will prompt you to enter both pieces of information when you initiate either type of transfer.

What to do if you cannot find your routing number

If you have checked your checks and your online account and still cannot locate your routing number, contact Bank of America directly. You can call 1-800-432-1000 and speak with a representative who can provide your routing number over the phone. Have your account number ready when you call. You can also visit a Bank of America branch in person and ask a teller to write down your routing number for you.

Bank of America also publishes a complete list of routing numbers on its website, organized by state. If you know which state your account is registered in, you can search that list to find the correct number. This is useful if you are trying to confirm whether your account uses the main routing number or a state-specific one.

Common mistakes when using your routing number

The most common mistake is confusing your routing number with your account number. Your routing number is always nine digits and identifies the bank. Your account number is longer, usually 10 to 12 digits, and identifies your specific account. If you reverse these or provide the wrong one, the payment may not go through or may be delayed while the bank tries to sort out where it should go.

Another mistake is using an outdated routing number. If you have old checks from several years ago, the routing number on them may no longer be current, especially if Bank of America merged branches or reorganized its routing structure. Always use the routing number from a recent check or from your current online banking portal. If you are unsure, call the bank rather than guessing.

Frequently Asked Questions

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

No. Most accounts use 026009593, but Connecticut accounts use 011000015 and New York accounts use 021000018. Check your checks or online banking to confirm which one applies to your account.

Can I use the same routing number for wire transfers and direct deposit?

Yes. Your routing number works for all types of electronic transfers, including direct deposit, wire transfers, ACH payments, and bill payments. The routing number is the same regardless of the type of transfer.

What happens if I give someone the wrong routing number?

The payment may be delayed or sent to the wrong account. The sending bank will try to correct it, but this can take several business days. Always double-check your routing number before providing it to an employer or anyone sending you money.

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

No. You only need a routing number for electronic transfers like direct deposit, wire transfers, and ACH payments. Debit card purchases do not require a routing number.

Where can I find Bank of America's complete list of routing numbers?

Bank of America publishes routing numbers by state on its website. You can also call 1-800-432-1000 or visit a local branch to confirm your routing number.