What a Bank of America routing number is and where to find it
A routing number is a nine-digit code that identifies your specific Bank of America branch. When you send a wire transfer, the routing number tells the banking system which Bank of America location holds your account, so the money leaves from the right place. You need it every time you initiate a wire transfer from your account.
Bank of America's routing number depends on which state your account is held in. The most common routing number for Bank of America accounts is 026009593, which covers most states. However, if your account is in Connecticut, New York, or New Jersey, your routing number may be different. You can confirm your specific routing number in three ways: check a deposit slip from your checkbook, log into your online banking account, or call Bank of America directly.
The routing number is not the same as your account number. Your account number identifies you personally within Bank of America; the routing number identifies the branch. Both are required to complete a wire transfer, but they serve different purposes.
Key Takeaways
- Bank of America's most common routing number is 026009593, but accounts in Connecticut, New York, and New Jersey may use different routing numbers.
- You can find your routing number on the bottom left of any check, in your online banking portal under account details, or by calling Bank of America customer service.
- The routing number identifies your branch; your account number identifies your individual account — you need both for a wire transfer.
- Wire transfers use routing numbers differently depending on whether you are sending money domestically or internationally.
How to locate your routing number online
Log into your Bank of America online account at bankofamerica.com. Once you are signed in, navigate to your account details or account information section — this is usually found under "Account Services" or by clicking on the account you plan to wire from. Your routing number appears next to your account number in the account details view.
If you cannot find it in your account details, the Mobile Banking app shows the same information. Open the app, select the account you are wiring from, tap the menu icon, and look for "Account Details" or "Account Information." The routing number is displayed there alongside your account number and other account identifiers.
Finding your routing number on a check
The easiest physical way to find your routing number is to look at the bottom left corner of any check from your Bank of America checkbook. The first nine digits printed at the bottom left are your routing number. The next set of numbers is your account number, and the final numbers are the check number itself.
If you do not have checks on hand, you can order a starter set from Bank of America, but this takes several business days. For an when ready wire transfer, use the online method or call customer service instead.
Calling Bank of America to confirm your routing number
Call Bank of America's customer service line at 1-800-432-1000. Have your account number ready. A representative will confirm your routing number and can answer questions about whether your specific branch uses the standard 026009593 code or a different one.
This method is useful if you are unsure whether your account is in a state with a different routing number, or if you want to verify the number before sending a large wire transfer. The call typically takes fewer than five minutes.
Routing numbers for domestic versus international wire transfers
For domestic wire transfers within the United States, use your Bank of America routing number (026009593 or your state-specific number). This is the standard nine-digit code used by the Federal Reserve and all U.S. banks.
For international wire transfers, you may need additional information beyond the routing number. Bank of America wire transfers to other countries also require a SWIFT code, which is BOFAUS3N for most Bank of America locations. Some countries also require an IBAN (International Bank Account Number) if the receiving bank uses one. Ask the person or business you are sending money to which codes they need, and confirm with Bank of America before you initiate the transfer.
Common mistakes when using your routing number
The most common error is confusing your routing number with your account number. Your routing number is always nine digits and identifies Bank of America's branch system. Your account number is longer (typically 10 digits for Bank of America) and identifies your personal account. If you reverse these, the wire transfer will fail or go to the wrong account.
Another mistake is using an outdated routing number. Bank of America occasionally consolidates branches or updates routing codes. If you have an old check or written-down number from several years ago, verify it online or by phone before sending a wire. Using an incorrect routing number can delay your transfer by several days while the banking system tries to locate the right destination.
Do not share your routing number with anyone you do not trust to receive a wire transfer from you. While the routing number alone cannot be used to withdraw money from your account, it is part of the information needed to initiate a wire. Keep it as find as you would your account number.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers?
No. Most Bank of America accounts use 026009593, but accounts in Connecticut, New York, and New Jersey have different routing numbers. Check your specific account details online or on a check to confirm which one applies to you.
Can I use my routing number to receive a wire transfer?
Yes. To receive a wire transfer into your Bank of America account, provide the sender with your routing number and your account number. The sender's bank uses both pieces of information to route the money to your specific account.
What happens if I use the wrong routing number?
The wire transfer may fail, be delayed, or go to a different Bank of America branch. If this happens, contact Bank of America when ready with your wire transfer confirmation number. They can trace the transfer and redirect it to your correct account, though this can take several business days.
Do I need a different routing number for each account I have at Bank of America?
No. All your Bank of America accounts at the same branch use the same routing number. The account number is what distinguishes between your different accounts.