Finding Your Bank of America Routing Number

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

Bank of America does not have a single routing number for the entire bank. Instead, the number changes based on the state where your account was opened or where your branch is located. The most commonly used routing number is 021000021, which covers most Bank of America accounts opened in California and many other states. However, if your account is in a different state, your routing number may be different.

You need the correct routing number for your specific state when you set up direct deposit, arrange wire transfers, or receive ACH payments. Using the wrong number can delay or reject the transaction. The easiest way to find your exact routing number is to check your checks, log into your online account, or call Bank of America directly at 1-800-432-1000.

Key Takeaways

• Bank of America routing number 021000021 works for most accounts, but your actual number depends on the state where your account is located.
• Your routing number appears on the bottom left of your checks, in the first set of nine digits before your account number.
• You can find your routing number by logging into your Bank of America online account under account details or by calling customer service at 1-800-432-1000.
• Using the wrong routing number can cause direct deposits or wire transfers to fail or be delayed by several days.

Where to find your routing number on a check

If you have Bank of America checks, your routing number is printed on the bottom left corner of each check. It is the first set of nine digits you see. The format looks like this: the routing number comes first, then your account number, then your check number at the far right.

This is the fastest way to find your number if you have checks available. You do not need to call anyone or log in anywhere — just look at any check in your checkbook. The routing number will be the same on every check from that account.

How to find your routing number online

Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, go to the account details or account information section. Your routing number should be listed there alongside your account number.

If you cannot find it in account details, look under the section labeled "Transfers" or "Wire Transfer Information." Bank of America sometimes places routing number information in different spots depending on the account type, but it is always in one of these sections. You can also call Bank of America customer service if you cannot locate it online.

Bank of America routing numbers by state

State or Region	Routing Number
California	021000021
Connecticut, New York, New Jersey, Pennsylvania	021201633
Florida, Georgia	061000104
Illinois, Indiana, Iowa, Missouri	071000013
Michigan, Ohio, West Virginia	041000124
North Carolina, South Carolina, Virginia	055000090
Texas	111000025
Washington	125000105

This table covers the most common Bank of America routing numbers by region. If your state is not listed here, your routing number may fall under a regional grouping or you may have an older routing number that Bank of America still honors. The best way to confirm is to check your checks or your online account.

Bank of America also maintains a full routing number lookup tool on its website at bankofamerica.com. You can search by state or account type to find the exact number for your situation. If you still cannot locate it, call Bank of America customer service at 1-800-432-1000.

When you need your routing number

You will need your routing number when you set up direct deposit for your paycheck or government benefits. Your employer or the benefits program needs both your routing number and your account number to deposit money into your account. This is the most common reason people look up their routing number.

You also need it when you arrange a wire transfer from another bank to your Bank of America account, or when you authorize someone else to send you money via ACH (automated clearing house) transfer. Some bill payment services also ask for your routing number if you are paying from your Bank of America account. In all cases, the routing number tells the sending bank which Bank of America location to route the money to.

What happens if you use the wrong routing number

If you provide an incorrect routing number, the transaction may be rejected outright, or it may be accepted and then returned to the sender after a few days. Direct deposits sometimes take longer to fail — you might not see the money for a week or more, and then it bounces back to your employer's payroll system. This can leave you without expected income for several days.

If this happens, contact the person or organization sending the money and provide the correct routing number. They will need to resubmit the transaction. For direct deposits, tell your employer's payroll department right away so they can correct it before the next pay cycle. Keep a record of the correction so you can follow up if the money does not arrive on time.

Frequently Asked Questions

Is 021000021 the routing number for all Bank of America accounts?

No. 021000021 is the most common Bank of America routing number and covers accounts in California and several other states, but not all. Your routing number depends on the state where your account was opened. Check your checks or log into your account to confirm your specific number before you provide it to your employer or another organization.

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

Yes. Your routing number is the same regardless of the type of transfer. Whether you are setting up direct deposit, receiving a wire transfer, or authorizing an ACH payment, you use the same nine-digit routing number. The routing number identifies your bank and branch, not the type of transaction.

What if I moved to a different state — does my routing number change?

No. Your routing number stays the same even if you move. It is based on where your account was originally opened, not where you currently live. You do not need to update anything or open a new account when you relocate.

Where do I find my account number if I need both the routing number and account number?

Your account number also appears on the bottom of your checks, right after the routing number. It is typically 10 to 12 digits long. You can also find it in your online account under account details, or call Bank of America customer service at 1-800-432-1000.

Do I need my routing number to transfer money out of my Bank of America account?

No. You only need your routing number when someone else is sending money to your Bank of America account. If you are sending money out of your account to another bank, you will need the routing number of the receiving bank instead, not your own.