Bank of America routing numbers depend on which state your account is in
Bank of America uses different routing numbers based on the state where your account was opened, not where you live now. The routing number tells the sending bank which Federal Reserve processing center handles your account. If you send a wire with the wrong routing number, the transfer may be delayed or sent to the wrong account.
You do not need to memorize your routing number. Bank of America prints it on the bottom left of your checks, and you can also find it through your online banking portal, by calling customer service, or by visiting a branch. The routing number is always nine digits.
Key Takeaways
- Bank of America routing numbers are tied to the state where you opened your account, and the number appears on the bottom left of your checks.
- You can find your routing number by logging into your Bank of America online account, calling 1-800-432-1000, or visiting a local branch.
- Using the wrong routing number can delay a wire transfer or send money to an unintended account, so verify the number before you send.
- The routing number is the same for all account types at Bank of America in your state, whether you have a checking account, savings account, or money market account.
How to find your routing number online
Log into your Bank of America online banking account and go to the account details or account information section. The routing number appears alongside your account number. If you use the Bank of America mobile app, you can usually find it under account settings or account details as well.
Bank of America also displays your routing number in the wire transfer setup screen if you initiate a wire through online banking. The system will show you the routing number it will use before you confirm the transfer, which gives you a chance to verify it is correct.
How to find your routing number by phone or in person
Call Bank of America customer service at 1-800-432-1000 and tell the representative you need your routing number for a wire transfer. They will confirm your identity and provide the number over the phone. Have your account number ready to speed up the process.
You can also visit any Bank of America branch in person and ask a teller for your routing number. Bring a photo ID and your account number or debit card. The teller will give you the number when ready and can answer questions about wire transfer fees or timing.
Routing numbers by state
Bank of America assigns routing numbers by state. The most common routing numbers are 011000015 for California, 026009593 for New York, 026012881 for Florida, and 121000248 for Texas. However, Bank of America has multiple routing numbers in some states depending on when and where the account was opened.
Do not assume your routing number based on your state. Always verify the number through your checks, online account, or by calling the bank. Using an incorrect routing number — even if it is a valid Bank of America number for a different state — can cause the wire to fail or go to the wrong recipient.
What happens if you use the wrong routing number
If you send a wire with an incorrect routing number, the Federal Reserve may reject it and return the money to the sending bank. This process usually takes three to five business days. The sending bank will then contact you to report the failed transfer.
In some cases, a wire sent to the wrong routing number may reach a Bank of America account in a different state. If this happens, the receiving bank must attempt to locate the correct recipient. If they cannot, the money may be returned after 30 days. During this time, you will not have access to the funds, and the sending bank may charge a fee for the failed transfer.
Routing number versus account number
Your routing number and account number are different. The routing number identifies which bank processes your account. Your account number identifies your specific account within that bank. Both numbers appear on the bottom of your checks: the routing number is on the left, your account number is in the middle, and the check number is on the right.
For a wire transfer, you need both numbers. The sending bank uses the routing number to find Bank of America, and then uses your account number to deposit the money into your specific account. If either number is wrong, the transfer will not reach you.
Wire transfer fees and timing at Bank of America
Bank of America charges a fee for outgoing domestic wire transfers. The fee varies depending on whether you send the wire online, by phone, or in person at a branch. Incoming wire transfers to your Bank of America account are usually free.
Domestic wire transfers sent before the cutoff time (usually 2 p.m. Eastern Time on business days) typically arrive the same day. Transfers sent after the cutoff or on weekends and holidays are processed the next business day. International wire transfers take longer and may require additional information beyond your routing and account numbers.
Frequently Asked Questions
Is my Bank of America routing number the same for checking and savings accounts?
Yes. Bank of America uses the same routing number for all account types in your state, whether you have a checking account, savings account, money market account, or any other product. The routing number identifies the bank and state, not the account type.
Can I use the routing number from my checks if I ordered new checks?
Yes. Your routing number does not change when you order new checks. The routing number printed on your old checks is the same as the one on your new checks, as long as the account is still open and in the same state.
What if I moved to a different state after opening my Bank of America account?
Your routing number stays the same. It is based on the state where you opened the account, not where you currently live. You do not need to update anything or open a new account if you move.
Do I need my routing number to transfer money between my own Bank of America accounts?
No. Transfers between your own Bank of America accounts do not require a routing number. You can move money between your accounts through online banking or at a branch using only your account numbers. You only need the routing number when sending money to someone else's account at Bank of America or at a different bank.
What should I do if I cannot find my routing number?
Call Bank of America at 1-800-432-1000 or visit a local branch. Have your account number or debit card ready. A representative can provide your routing number within minutes and answer any questions about your wire transfer.