Bank of America's ACH routing number is 011000015
Bank of America uses the same routing number for ACH transfers (electronic payments between bank accounts) across all its U.S. locations: 011000015. This nine-digit code tells the banking system which bank to send your money to when you set up a direct deposit, pay a bill electronically, or transfer funds between accounts.
You will need this number when someone else's bank asks where to send money on your behalf — for example, when your employer sets up direct deposit, or when you authorize a company to withdraw a payment from your account. The routing number stays the same whether you bank in California or New York, and whether you have a checking account, savings account, or money market account.
Key Takeaways
- Bank of America's ACH routing number is 011000015 for all U.S. accounts and all account types.
- You will need this number when setting up direct deposit, bill pay, or transfers from another bank to your Bank of America account.
- The ACH routing number is different from the wire transfer routing number, which is 121000248.
- 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.
Where to find your routing number on a check
The easiest place to look is the bottom left corner of any check from your Bank of America account. You will see nine digits printed there — that is your routing number. It appears before your account number, which is longer and printed in the middle section of the bottom line.
If you do not have checks handy, you can look it up in your online banking account. Log in to your Bank of America portal, go to your account details or account information section, and the routing number will be listed there. You can also call Bank of America at 1-800-432-1000 and ask a representative to confirm your routing number over the phone.
ACH routing number versus wire transfer routing number
Bank of America has two different routing numbers depending on how the money is being sent. The ACH routing number is 011000015, used for electronic transfers between bank accounts, direct deposits, and bill payments that process over one to three business days.
The wire transfer routing number is 121000248, used for faster transfers that usually arrive the same day or next business day. Wire transfers cost more and are typically used for larger amounts or time-sensitive payments. Make sure you use the correct number for the type of transfer you are making — using the wrong one will cause the transfer to fail or be delayed.
When you need to provide your ACH routing number
You will provide Bank of America's ACH routing number in several common situations. When your employer sets up direct deposit, they will ask for your routing number and account number so they can deposit your paycheck electronically. When you set up bill pay through another bank's website, you may need to provide this number so that bank knows where to pull the payment from.
You also need it when you want to transfer money from another bank into your Bank of America account. The other bank's system will ask for the receiving bank's routing number — that is Bank of America's 011000015. You do not need to provide it when you are sending money out of Bank of America; your own bank already knows its own routing number.
What happens if you use the wrong routing number
If you accidentally provide the wrong routing number, the transfer will either be rejected before it starts, or it will be sent to the wrong bank and then returned to the sender. Either way, the money will not reach your Bank of America account.
The process of returning a misdirected transfer can take several business days, and you may see a temporary hold on the funds while the receiving bank sorts out the mistake. To avoid this, double-check the routing number before you confirm any transfer. If you are unsure, call Bank of America or look it up on your check rather than guessing.
ACH transfers and processing times
ACH transfers using this routing number typically take one to three business days to complete. This is slower than a wire transfer, but it costs less and is the standard method for payroll direct deposits and most bill payments. Weekends and bank holidays do not count as business days, so a transfer you start on Friday afternoon may not arrive until Tuesday.
Some Bank of America accounts offer faster ACH processing through their online banking portal, but the standard timeline is still one to three days. If you need money to arrive faster, you would need to use a wire transfer instead, which uses the different routing number 121000248.
Frequently Asked Questions
Is the ACH routing number the same for all Bank of America customers?
Yes. All Bank of America customers in the United States use the same ACH routing number: 011000015. It does not matter which state you live in, which branch you opened your account at, or what type of account you have.
Can I use the ACH routing number for a wire transfer?
No. Wire transfers require a different routing number: 121000248. Using the ACH routing number for a wire transfer will cause the transfer to fail. Make sure you know which type of transfer you are making before you provide the routing number.
What if I cannot find my routing number?
Call Bank of America customer service at 1-800-432-1000 and they will confirm your routing number. You can also log into your online banking account and look it up in your account details section, or check the bottom left of any check you have from that account.
Do I need my account number along with the routing number?
Yes. The routing number tells the banking system which bank to send money to, but your account number tells them which specific account at that bank. You will always need both pieces of information to complete a transfer.
Will the routing number change if I move or switch account types?
No. Bank of America's ACH routing number stays the same regardless of where you live or what type of account you have. You only need to update your routing number if you switch to a different bank entirely.