Bank of America's routing number in Florida depends on which branch processes your account
Bank of America does not use a single routing number for all Florida customers. The routing number you need depends on where your account was opened and which processing center handles it. For most Bank of America accounts opened at Florida branches, the routing number is 063000047. However, some accounts use 026009593 if they were opened through a different division or transferred from another bank that Bank of America acquired.
The safest way to find your specific routing number is to check your check stock — the number appears in the bottom left corner, printed between two colons. If you do not have checks, you can call Bank of America directly at 1-800-432-1000 and confirm your routing number with a representative who can see your account details. You can also log into your Bank of America online account and look under account information or settings.
Key Takeaways
- Most Bank of America accounts in Florida use routing number 063000047, but some use 026009593 depending on when and where the account was opened.
- Your checks show your routing number in the bottom left corner between two colons, before your account number.
- Calling Bank of America at 1-800-432-1000 confirms your exact routing number without guessing.
- Using the wrong routing number delays a wire transfer or causes it to fail, so verify before sending money.
Where to locate your routing number on a check
If you have Bank of America checks, the routing number is the first set of numbers printed at the bottom left of the check. It appears between two colons and is always nine digits long. The format looks like this: `:063000047:` followed by your account number. This is the most reliable place to find it because it is printed directly from your bank's records when the checks are produced.
If your checks are old or you have not ordered new ones since opening your account, the routing number on them may no longer be current. Bank of America has consolidated branches and processing centers over the years, so routing numbers can change. Always verify with the bank directly before using a routing number from old checks.
How to confirm your routing number online or by phone
Log into your Bank of America account at bankofamerica.com and navigate to account information or settings. Most accounts display the routing number in a section labeled "Account Details" or "Wire Transfer Information." If you cannot find it online, call Bank of America's customer service line at 1-800-432-1000. Have your account number and a form of identification ready. A representative can confirm your routing number in less than a minute.
When you call, ask the representative to confirm the routing number for wire transfers specifically, since some accounts may have different routing numbers for different transaction types. Write down the number they give you and ask them to spell it back to you to avoid transcription errors.
The difference between routing number and account number
Your routing number identifies Bank of America and the specific processing center that handles your account. Your account number identifies your individual account within that bank. Both are required to send or receive a wire transfer. The routing number is always nine digits; your account number is typically 10 digits but can vary. On a check, the routing number appears first (on the left), and the account number appears second (in the middle).
Using the correct routing number but wrong account number sends the money to the wrong person at Bank of America. Using the wrong routing number may send the money to a different bank entirely, which then has to be traced and returned. Always double-check both numbers before confirming a wire transfer.
What happens if you use the wrong routing number
If you send a wire transfer with an incorrect routing number, the money may be rejected when ready and returned to your account within one to three business days. If the routing number belongs to another bank, that bank receives the transfer and must try to match it to an account. If no match is found, the money is returned, but this process can take five to ten business days. During that time, your money is in transit and not available to you.
If the wrong routing number happens to match another Bank of America account, the money may be deposited into that account by mistake. Recovering it then requires contacting Bank of America's fraud department and filing a claim, which can take weeks. This is why verifying the routing number before sending is critical.
Bank of America routing numbers for different account types
Bank of America uses different routing numbers for different products and regions. The two most common Florida routing numbers are 063000047 and 026009593. Some business accounts or accounts opened through specific divisions may use other routing numbers. If you have a Bank of America business checking account, money market account, or savings account, the routing number is usually the same as your personal checking account, but confirm with the bank to be certain.
If you have multiple Bank of America accounts, each account may have the same routing number or different ones depending on how they were set up. When sending a wire transfer to or from any of your accounts, always verify the routing number for that specific account rather than assuming all your accounts share one.
Frequently Asked Questions
Is 063000047 the routing number for all Bank of America customers in Florida?
No. While 063000047 is the most common Bank of America routing number for Florida accounts, some accounts use 026009593 or other numbers depending on when the account was opened and which processing center handles it. Check your checks or call the bank to confirm your specific routing number.
Can I use the same routing number for a wire transfer and a direct deposit?
Yes. The routing number is the same regardless of the type of transaction. Whether you are sending a wire transfer, setting up direct deposit, or receiving an ACH payment, use the same nine-digit routing number for your Bank of America account.
What do I do if my checks show a different routing number than what Bank of America told me?
Call Bank of America again and ask which number is current. Routing numbers can change when banks consolidate processing centers. Use the number the bank confirms over the phone, not the one on old checks. If the discrepancy is recent, the bank may have updated your account and not yet printed new checks.
Do I need a routing number to transfer money between my own Bank of America accounts?
No. Transfers between your own Bank of America accounts typically use your account numbers only and process through the bank's internal system. You only need a routing number when sending money to or from accounts at other banks.