What routing number 063000047 means for your wire transfer

Routing number 063000047 is Bank of America's routing number for inbound domestic wire transfers. If you are sending money from another bank to a Bank of America account, this is the routing number you will enter in your wire transfer form. It tells the sending bank's system exactly where to direct your money — to Bank of America's processing center — so the funds reach the correct account holder.

This routing number is specific to wire transfers coming into Bank of America. It is different from the routing numbers used for ACH transfers, checks, or other payment methods. Using the correct routing number is essential because an incorrect one can delay your transfer or send the money to the wrong place entirely.

Key Takeaways

  • Routing number 063000047 is used only for inbound wire transfers to Bank of America accounts, not for ACH transfers or other payment types.
  • You will need the recipient's Bank of America account number along with this routing number to complete a wire transfer.
  • Wire transfers using this routing number typically arrive within one business day, though timing depends on when you send the transfer and your sending bank's processing schedule.
  • Double-check both the routing number and account number before sending, because wire transfers cannot be reversed once they leave your bank.
  • If you are unsure whether you have the correct routing number, contact Bank of America directly or ask the person receiving the money to confirm it.

Where to enter this routing number when sending a wire

When you initiate a wire transfer from your bank, you will see a form asking for the recipient's banking details. The form will have a field labeled "Routing Number," "ABA Number," or "Bank Routing Code" — these terms mean the same thing. This is where you enter 063000047.

You will also need to provide the recipient's Bank of America account number in a separate field. Some wire forms ask for the recipient's full name as well. Fill in all three pieces of information exactly as they appear in the recipient's Bank of America account records. Even a single digit wrong in the account number can send the money to the wrong person.

If you are wiring money through your bank's website, mobile app, or by phone, the process is the same — you supply the routing number, account number, and recipient name. Your bank will then send the wire to Bank of America using routing number 063000047.

How to verify you have the correct routing number

The safest way to confirm routing number 063000047 is correct is to ask the person receiving the money. They can check their Bank of America account statement, which usually lists the routing number, or they can log into their Bank of America online account and look for account details or wire transfer information.

You can also contact Bank of America directly at 1-800-432-1000 to confirm the routing number for inbound wires. Have the recipient's account number ready when you call, though you do not need to provide it — the bank can straightforward confirm that 063000047 is the correct routing number for wire transfers into their system.

Do not rely on a routing number you find through a search engine or an unfamiliar website. Scammers sometimes post incorrect routing numbers to redirect wire transfers. If you are sending money to someone you do not know well, ask them to provide the routing number directly from their bank statement or account.

What happens after you send the wire

Once you submit your wire transfer with routing number 063000047, your bank will process it and send it to Bank of America. Bank of America then matches the account number you provided to the correct customer account and deposits the funds. This process usually takes one business day, though it can sometimes take longer if you send the wire late in the day or on a weekend.

Your bank will give you a confirmation number or reference number for the wire. Keep this number in case you need to track the transfer or contact your bank about it later. You can use this number to check the status of your wire with your sending bank.

The recipient will see the money appear in their Bank of America account once the wire is processed. They may receive a notification from Bank of America, depending on their account settings. If the money does not arrive within two business days, contact your sending bank to investigate.

Common mistakes to avoid when using this routing number

The most common error is confusing this routing number with a different one. Bank of America has multiple routing numbers for different purposes — some for ACH transfers, some for checks, some for different regions. Make sure you are using 063000047 specifically for a wire transfer, not for any other type of payment.

Another frequent mistake is transposing digits in the account number while correctly entering the routing number. The wire will then go to Bank of America, but to the wrong account within the bank. Always double-check the account number character by character before you send.

Do not assume that a wire transfer can be reversed if you make a mistake. Once the money leaves your bank, it is extremely difficult to recover. Some banks can attempt to recall a wire within a few hours, but there is no may provide. Verify all details before you click send.

When you might need a different Bank of America routing number

If you are sending an ACH transfer instead of a wire transfer, you will need a different routing number. ACH transfers are slower and cheaper than wires, and they use a separate routing number. Ask your bank or the recipient which type of transfer they prefer.

If you are depositing a check into a Bank of America account, you do not need a routing number at all — you only need the account number and the check itself. Routing numbers are for electronic transfers only.

If the recipient's account is at a different bank, you will need that bank's routing number, not Bank of America's. Make sure you know which bank holds the account before you start the wire transfer process.

Frequently Asked Questions

Is routing number 063000047 the same for all Bank of America customers?

Yes. This routing number is used for all inbound wire transfers to any Bank of America account, regardless of which branch the account is held at or which state the customer lives in. Bank of America uses one routing number for all domestic wire transfers coming into the bank.

What if I send a wire to this routing number but the account number is wrong?

The wire will reach Bank of America, but the bank will not be able to match it to an account. Bank of America will typically hold the funds and attempt to contact the sender. The money may be returned to your bank after a set period, usually 10 to 30 days. Contact your bank when ready if you realize you made an error.

Can I use routing number 063000047 to send money internationally?

No. This routing number is for domestic wire transfers only — transfers between U.S. banks. International wire transfers require different information, including a SWIFT code and sometimes an IBAN. Contact your bank for the correct details if you are sending money outside the United States.

How long does a wire transfer to this routing number take?

Most wire transfers arrive within one business day. If you send the wire before your bank's cutoff time (usually 2 p.m. or 3 p.m.), it may arrive the same day. Wires sent after the cutoff or on weekends will arrive the next business day. Bank of America processes incoming wires throughout the business day.

Do I need to tell Bank of America I am receiving a wire transfer?

No. The wire will arrive automatically once it is sent to routing number 063000047 with the correct account number. The recipient does not need to do anything in advance. They will see the funds in their account once the transfer is processed.