Bank of America's routing number for wire transfers is 021000021

Bank of America uses a single routing number for all domestic wire transfers: 021000021. This nine-digit code tells the sending bank where to direct your money. You will need it when you are sending a wire from another bank to your Bank of America account, or when someone outside your bank is sending you money.

The routing number is the same whether you are wiring from a checking account, savings account, or money market account at Bank of America. It does not change based on the amount you are sending or the state where your account is held. However, if you are sending money to a bank outside the United States, you may need a different code called a SWIFT code instead.

Key Takeaways

  • Bank of America's domestic wire transfer routing number is 021000021 for all account types and all states.
  • You need this number when someone outside Bank of America is sending you a wire, or when you are wiring from another bank to your Bank of America account.
  • International wire transfers to Bank of America require a SWIFT code (BOFAUS3N) instead of a routing number.
  • You can find your complete wire transfer details — including your account number — in your Bank of America online banking portal or by calling customer service.

When you need to give out your routing number

You will provide Bank of America's routing number when someone is sending you money by wire. This includes payroll deposits from your employer, refunds from a business, or personal transfers from family or friends. The sender's bank uses the routing number to identify Bank of America as the destination bank.

You should also have this number ready if you are setting up a wire transfer through a third-party service or employer portal. Some payroll systems and bill payment platforms ask for your bank's routing number to confirm where your money should go. Never give out your routing number to someone you do not trust, but know that the number itself is not sensitive — it is the same for all Bank of America customers.

What information to provide along with the routing number

The routing number alone is not enough to complete a wire transfer. The sender will also need your account number, which is unique to you. Your account number appears on your checks, your debit card, and in your online banking portal. It is typically 10 digits for Bank of America accounts.

For added clarity, you may also want to provide your full name exactly as it appears on your account. Some senders will ask for your address as well. If the wire is coming from outside the United States, the sender may need your SWIFT code (BOFAUS3N) in addition to the routing number and account number. Always double-check the sender's requirements before providing your information.

How to find your account number in online banking

Log into your Bank of America online account or mobile app. On the dashboard, you will see a list of your accounts. Click on the account that will receive the wire transfer. Your account number will appear on the account details page, usually near the top. You can also find it on the left side of any check you have written from that account.

If you do not have online banking set up, you can call Bank of America customer service at 1-800-432-1000 to confirm your account number. Have your Social Security number and account PIN ready. A representative can also confirm the routing number and answer any questions about how the wire will be processed.

International wire transfers to Bank of America

If someone is sending you money from outside the United States, they will need your SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. SWIFT codes work similarly to routing numbers but are used for international transfers. They identify your bank in the global banking system.

You will still need to provide your account number along with the SWIFT code. Some international senders may also ask for your bank's address. Bank of America's main wire operations center is located in Charlotte, North Carolina. If you are unsure what information to give an international sender, contact Bank of America directly — they can provide the exact details the sender's bank will need.

Confirming the routing number before you send money

If you are sending money from another bank to your Bank of America account, verify the routing number 021000021 before you submit the transfer. Some banks have their own internal systems that may show a different number, but 021000021 is the correct code for all Bank of America wire transfers. If you see a different number in your sending bank's system, contact Bank of America to confirm.

Once you have submitted a wire transfer, it typically cannot be stopped or reversed. Sending money to the wrong routing number means it will go to the wrong bank, and recovering it can take weeks or may not be possible. Take the extra 30 seconds to verify the number matches what Bank of America has provided.

Frequently Asked Questions

Is the routing number different for different states?

No. Bank of America uses 021000021 for all domestic wire transfers regardless of which state your account is in or where you are located. The routing number does not change based on your branch or account type.

Can I use the routing number from my checks?

The routing number on your checks is the same as the wire transfer routing number: 021000021. However, if you are sending a wire, always use the number Bank of America has provided for wire transfers specifically, not the number from your check, to avoid any confusion.

What happens if I give someone the wrong routing number?

The wire will be sent to the wrong bank. The sending bank may catch the error and return the money, but this can take several weeks. If the money reaches another bank, recovering it becomes much more difficult. Always verify the routing number before the sender submits the transfer.

Do I need a different routing number for ACH transfers?

Yes. ACH transfers (automatic clearing house) use a different routing number than wire transfers. If you are setting up an ACH transfer, ask Bank of America for the ACH routing number, which is different from the wire transfer routing number 021000021.

Can I find the routing number on my Bank of America debit card?

No. Your debit card does not display the routing number. You can find it on your checks, in your online banking portal, or by calling customer service. The routing number for wire transfers is 021000021.