Bank of America's ABA number is 011000015 for most domestic wire transfers

Bank of America's ABA number (also called a routing number) is 011000015. This nine-digit code identifies Bank of America in the U.S. banking system and is used by other banks to route money to your account during a wire transfer. You will need this number when someone outside Bank of America sends you money by wire, or when you are sending money from a Bank of America account to another bank.

The ABA number 011000015 works for wire transfers to most Bank of America checking and savings accounts. However, Bank of America operates regional processing centers, and in rare cases a wire may route through a different center with a different ABA number. If a wire transfer fails or is delayed, the receiving bank may ask you to verify which ABA number was used.

You do not need to memorize this number. When you receive a wire transfer, you provide it to the person or business sending the money. When you send a wire from Bank of America, the bank's staff will use the correct routing number automatically.

Key Takeaways

  • Bank of America's standard ABA number for wire transfers is 011000015, used to identify the bank in the U.S. payment system.
  • You provide this number to anyone sending you money by wire so their bank knows where to route the funds.
  • Bank of America staff will use the correct routing number when you initiate a wire transfer from your account, so you do not have to enter it yourself.
  • If a wire transfer fails or arrives at the wrong account, verify the ABA number with Bank of America before trying again.
  • Some wire transfers may route through a regional processing center with a different ABA number, though 011000015 covers the vast majority of accounts.

Where to find your Bank of America account and routing information

Your Bank of America routing number appears on the bottom left of your checks, printed as a nine-digit code before your account number. If you do not have checks, you can find it by logging into your Bank of America online account or mobile app and looking under account details or account information.

You can also call Bank of America customer service at 1-800-432-1000 and ask them to confirm your routing number. Have your account number ready. The representative will tell you the ABA number associated with your specific account and the branch where it is held.

Bank of America also publishes routing numbers on its website under the "Routing Numbers" section, organized by state. This is useful if you need to verify the number before providing it to someone sending you a wire.

When you need the ABA number versus your account number

The ABA number and your account number serve different purposes in a wire transfer. The ABA number (011000015) tells the sending bank which bank to send the money to — in this case, Bank of America. Your account number tells Bank of America which of its millions of accounts should receive the funds once the money arrives.

When someone sends you a wire transfer, you must provide both pieces of information. The sending bank uses the ABA number to route the wire to Bank of America, and Bank of America uses your account number to deposit it into your account. If either number is wrong, the wire will either fail or go to the wrong account.

Some wire transfer forms also ask for the name of the bank and the branch location. For Bank of America, you can straightforward write "Bank of America" and the state where your account is held, though the ABA number alone is sufficient for the wire to reach the right bank.

International wire transfers and different routing numbers

If someone outside the United States is sending you money by wire, they may need a different routing number than 011000015. International wires often require a SWIFT code instead of an ABA number. Bank of America's SWIFT code is BOFAUS3N (or BOFAUS33 for certain types of transfers).

Some international senders may also ask for a bank address or an IBAN (International Bank Account Number). Bank of America can provide all of this information if you call customer service or check your account details online. The process is the same: you give the sender the routing or SWIFT information, and they use it to send the wire to your account.

If you are sending money internationally from a Bank of America account, the bank's wire transfer staff will guide you through which routing codes to use based on the destination country and the receiving bank.

What happens if you use the wrong ABA number

If a wire transfer is sent to Bank of America using the wrong ABA number, the sending bank's system will reject it before the money leaves their account. The sender will receive an error message and can correct the number and try again. This is the most common outcome and means no money is lost.

In rare cases, a wire sent to a different bank's ABA number by mistake will be accepted and deposited into the wrong account. If this happens, contact Bank of America when ready and provide them with the wire transfer details: the amount, the date it was sent, and the sender's name and bank. Bank of America can work with the other bank to trace the wire and recover the funds, though this process can take several days or weeks.

To avoid this problem, always double-check the ABA number (011000015) before giving it to someone sending you money. Ask them to confirm they have written it down correctly before they initiate the transfer.

Frequently Asked Questions

Is 011000015 the ABA number for all Bank of America accounts?

Yes, 011000015 is the standard ABA number for domestic wire transfers to Bank of America accounts nationwide. In very rare cases, a wire may route through a different processing center, but this number works for the vast majority of accounts. If you are unsure, call Bank of America to confirm the routing number for your specific account.

Do I need a different ABA number if my Bank of America account is in a different state?

No. The ABA number 011000015 is the same regardless of which state your account is in or which Bank of America branch holds it. Bank of America uses this single routing number for all domestic wire transfers, and the bank's internal systems route the money to the correct branch and account.

What is the difference between an ABA number and a SWIFT code?

An ABA number (routing number) is used for domestic wire transfers within the United States. A SWIFT code is used for international wire transfers. Bank of America's SWIFT code is BOFAUS3N. If someone outside the U.S. is sending you money, ask them which code they need — they will know based on their bank's requirements.

Can I find my routing number on my debit card?

No. Your routing number does not appear on your debit card. It appears on the bottom left of your checks, in your online account details, or by calling Bank of America customer service. Your debit card shows your card number and expiration date, but not your routing number.

What if Bank of America tells me my routing number is different from 011000015?

This is unlikely but possible if your account is held at a specialized Bank of America division or processing center. Write down the number Bank of America gives you and use that instead. Always trust the number provided directly by your bank over any other source.