How to Find Your Bank of America Routing Number

Your Bank of America routing number is a nine-digit code that identifies your specific branch to other banks

The routing number tells other financial institutions which Bank of America location holds your account. When you set up direct deposit, pay bills electronically, or receive a wire transfer, the routing number directs that money to the correct branch. Bank of America uses different routing numbers depending on which state your account is held in, so the number you need depends on where you opened your account or where your branch is located.

You do not need to memorize it or request it from the bank — it appears on your checks, in your online banking portal, and through customer service. The routing number is public information and is safe to share when you need to receive money or set up automatic payments.

Key Takeaways

• Bank of America routing numbers are nine digits and vary by state, so you need the one for the state where your account is held.
• Your routing number appears on the bottom left of every check you receive, before your account number.
• You can find your routing number by logging into your Bank of America online account, calling customer service, or visiting a branch.
• The routing number is different from your account number and is safe to share when setting up direct deposit or receiving wire transfers.

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 of the check, you will see nine digits printed in a specific order. The first nine digits are your routing number. The next set of digits after that is your account number.

If you do not have checks or prefer not to use them, you have other ways to find this information without ordering new ones.

Finding your routing number online or by phone

Log into your Bank of America online account and navigate to the account details or account information section. Most accounts display the routing number alongside your account number in a single view. If you cannot locate it in your account dashboard, the bank's website has a routing number lookup tool where you enter your state and account type.

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 specific account. If you prefer in-person service, visit any Bank of America branch with your ID and ask a teller for your routing number — they can provide it when ready.

Why routing numbers differ by state

Bank of America operates in multiple states, and the Federal Reserve assigns different routing numbers to different regions and branches. The routing number corresponds to the Federal Reserve district and the specific Bank of America processing center that handles your account. This system allows the banking network to sort and deliver transactions to the correct location.

If you move to a different state and open a new Bank of America account there, your new account will have a different routing number. If you keep an existing account and move, your routing number stays the same because it is tied to the branch where the account was originally opened, not your current location.

When you need to provide your routing number

You will need your routing number when you set up direct deposit for your paycheck, establish automatic bill payments, or receive money through a wire transfer. Employers, payroll services, and billers all ask for your routing number to process these transactions. You may also need it when transferring money between your Bank of America account and an account at another bank.

The routing number is safe to share in these situations because it only identifies the bank and branch — it does not give anyone access to your money without your account number as well. However, do not share your full account number or PIN with anyone you do not trust.

Routing number versus account number

Your routing number and account number serve different purposes. The routing number identifies which bank and branch holds your account. Your account number identifies your specific account within that bank. Together, they form the information needed to send money to or from your account.

On a check, the routing number appears first on the bottom left, followed by your account number. When you provide banking information to an employer or service provider, they will ask for both pieces of information. Confusing the two will cause transactions to fail or be delayed, so double-check that you are providing the correct number for each field.

What to do if you cannot find your routing number

If you have looked in all the usual places and still cannot locate your routing number, contact Bank of America directly. Call 1-800-432-1000, visit a local branch, or use the online chat feature on the Bank of America website. Have your account number and ID ready so the representative can pull up your account information quickly.

Bank of America can also provide your routing number in writing if you need documentation for your employer or another institution. There is no charge for this service, and the bank can usually provide it the same day you request it.

Frequently Asked Questions

Is my routing number the same for checking and savings accounts?

Yes. Both your checking and savings accounts at Bank of America use the same routing number because they are held at the same branch. The routing number identifies the bank location, not the account type. Your account numbers will be different, but the routing number remains the same.

Can I use the same routing number if I move to a different state?

Your existing routing number stays with your account even if you move. However, if you open a new Bank of America account in a different state, that new account will have a different routing number based on the new branch location. Check which routing number applies to each account you hold.

What happens if I give someone the wrong routing number?

If you provide an incorrect routing number, the transaction will likely be rejected or delayed. The money may be sent to the wrong bank or branch, and it can take several days to trace and correct the error. Always verify your routing number before providing it to an employer, biller, or service provider.

Do I need my routing number to withdraw money at an ATM?

No. You only need your debit card and PIN to withdraw money at an ATM. The routing number is used for electronic transfers and direct deposits, not for in-person transactions at ATMs or bank branches.