Bank of America routing numbers vary by state and transaction type
Bank of America has different routing numbers depending on which state you bank in and what kind of transaction you're making. For California, the routing number you need depends on whether you're sending a domestic wire transfer, an ACH transfer, or a check. The most commonly used routing number for Bank of America in California is 121000248, which works for most domestic wire transfers and ACH payments from California accounts.
However, Bank of America also maintains other routing numbers for specific purposes. Some California branches may use 026009593 for certain transaction types. The difference matters because using the wrong routing number can delay your transfer or send it to the wrong place entirely. Your account statement or the Bank of America website will show you which routing number applies to your specific account and transfer type.
Key Takeaways
- The primary Bank of America routing number for California domestic wire transfers is 121000248.
- Bank of America maintains multiple routing numbers, and using the correct one for your transaction type prevents delays and errors.
- Your account statement, online banking portal, or a call to Bank of America customer service will confirm which routing number your account uses.
- Routing numbers differ from account numbers; you will need both to complete a wire transfer.
Where to find your routing number on your account statement
Your Bank of America checking or savings account statement lists your routing number in the lower left corner, usually printed alongside your account number. The routing number appears as a nine-digit code. If you have a paper statement, look at the bottom of the first page. If you receive statements electronically, read a recent PDF and check the same location.
The routing number on your statement is specific to your account type and the California branch or region where your account is held. This is the most reliable way to confirm the correct number because it matches your actual account setup. Do not assume all California Bank of America accounts use the same routing number, even if they are in the same city.
How to look up your routing number online
Log into your Bank of America online banking account and navigate to the account details or account information section. Most accounts display the routing number alongside the account number in a summary view. If you cannot find it there, look for a section labeled "Account Details," "Wire Transfer Information," or "Routing and Account Numbers."
Bank of America also maintains a routing number lookup tool on its website. You can enter your state (California) and account type to see the routing numbers associated with your account. If you are unsure which number to use, Bank of America customer service can confirm the correct routing number over the phone by verifying your account information.
Routing numbers for different Bank of America transaction types
Bank of America uses routing number 121000248 for most domestic wire transfers originating from California. This same number typically works for ACH transfers, which are electronic transfers between bank accounts that take one to three business days. However, some older accounts or specific account types may have different routing numbers assigned.
International wire transfers from a Bank of America California account require different information entirely — usually a SWIFT code rather than a routing number. The SWIFT code for Bank of America is BOFAUS3N. If you are sending money outside the United States, ask the recipient which information they need, or contact Bank of America to confirm what details to provide for an international wire.
What happens if you use the wrong routing number
Using an incorrect routing number can cause your wire transfer to be rejected, delayed, or sent to the wrong financial institution. If the routing number does not match any valid bank, the transfer typically bounces back to your Bank of America account within one to three business days. If the routing number belongs to a different bank or region, your money may arrive at that institution, and you will need to contact both banks to retrieve it.
Some wire transfers with incorrect routing numbers are caught by Bank of America before they leave your account, and you will receive a notification to correct the information and resubmit. Others may process partially or with a hold. The safest approach is to verify the routing number against your statement or online account before you initiate any transfer.
Confirming routing number information with Bank of America
You can call Bank of America customer service at 1-800-432-1000 to confirm your routing number. Have your account number and a form of identification ready. A representative will verify your account and provide the correct routing number for your specific transaction type. This call takes a few minutes and eliminates any doubt about which number to use.
Bank of America also offers routing number information through its mobile app. Open the app, navigate to your account, and look for account details or settings. Some versions of the app display routing information directly; others require you to access it through the online banking portal. If you cannot locate it in the app, the phone line or your paper statement remain the most straightforward options.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts in California?
No. While 121000248 is the most common routing number for California wire transfers, some accounts may have different routing numbers based on when the account was opened, the account type, or the specific branch. Always check your statement or online account to confirm your routing number rather than assuming it matches another account.
Can I use the same routing number for wire transfers and ACH payments?
Usually yes. The routing number 121000248 works for both domestic wire transfers and ACH transfers from California Bank of America accounts. However, some older accounts or specialized account types may have different routing numbers for different transaction types. Verify with your statement or Bank of America before sending money.
What is the difference between a routing number and an account number?
A routing number identifies the bank or branch (in this case, Bank of America in California). Your account number identifies your specific account within that bank. You need both pieces of information to complete a wire transfer or ACH payment. The routing number is nine digits; your account number is typically 10 to 12 digits.
Do I need a different routing number for international wire transfers?
Yes. International wire transfers use a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. You may also need additional information such as an IBAN or intermediary bank details, depending on the country you are sending money to. Ask the recipient or Bank of America which information to provide.
What should I do if my wire transfer was sent to the wrong routing number?
Contact Bank of America when ready and provide the routing number you used, the amount, and the date of the transfer. Bank of America can attempt to recall the transfer if it has not yet been processed by the receiving bank. If the money has already arrived at another institution, you may need to contact that bank directly to retrieve it. Acting quickly increases the chances of recovery.