Bank of America's Maryland routing number depends on which branch or service you use
Bank of America does not use a single routing number across all of Maryland. The routing number you need depends on whether you are wiring money from a checking account, a savings account, or through BankAmericard, and whether your account is held at a physical Maryland branch or online. The most common routing number for Bank of America in Maryland is 011000015, but you may need a different one depending on your situation.
The routing number is a nine-digit code that tells the banking system which financial institution and which branch location should receive your wire transfer. When you initiate a wire from Bank of America, the receiving bank uses this number to route the funds correctly. Using the wrong routing number can delay your transfer or send money to the wrong place entirely.
Key Takeaways
- The standard Bank of America routing number for Maryland wire transfers is 011000015, but confirm with your branch because some accounts use different numbers.
- You can find your routing number on the bottom left of your checks, in the Bank of America mobile app under account details, or by calling customer service at 1-800-432-1000.
- Wire transfers use routing numbers differently than ACH transfers or bill payments, so verify you have the correct number for the type of transfer you are sending.
- Bank of America charges a wire transfer fee, which varies depending on whether the wire is domestic or international and whether you initiate it online or at a branch.
Where to find your routing number on a check or online
The fastest way to locate your routing number is to look at a check from your Bank of America account. The routing number appears as the first nine digits on the bottom left of the check, before your account number. If you do not have a check handy, log into your Bank of America online account or open the mobile app, go to account details or account information, and the routing number will be listed there.
If you cannot access your checks or online account, call Bank of America customer service at 1-800-432-1000. A representative can confirm your routing number over the phone and answer questions about whether you need a different number for your specific type of account or transfer. Have your account number ready when you call.
Why Bank of America has multiple routing numbers
Bank of America operates routing numbers by account type and processing method, not just by state. This means that even within Maryland, a checking account, a savings account, and a money market account at the same branch might use different routing numbers. Additionally, Bank of America acquired other banks over the years, and some older accounts may still carry routing numbers from those institutions.
The routing number 011000015 is the primary number for most Bank of America wire transfers initiated in the United States, including Maryland. However, if your account was opened through a merger or if you hold a specialty account, your statement or online account details will show the correct number for your specific situation. Never assume — always verify the routing number for your account type before sending a wire.
Wire transfer fees and timing at Bank of America
Bank of America charges a fee for outgoing domestic wire transfers, typically between $15 and $30 depending on whether you send the wire online, by phone, or in person at a branch. International wire transfers cost more, usually $45 or higher. These fees are deducted from your account when you initiate the transfer.
Domestic wire transfers sent before the bank's cutoff time (usually 2 p.m. Eastern Time on business days) typically arrive the same day. Wires sent after the cutoff or on weekends and holidays are processed the next business day. International wires take longer, often three to five business days, depending on the destination country and receiving bank.
Confirming the receiving bank's routing number
Before you wire money, you also need the routing number of the bank that will receive the funds. This is different from your Bank of America routing number. The receiving bank's routing number tells Bank of America where to send your money. If you provide the wrong receiving routing number, your wire may go to the wrong financial institution or account.
Ask the person or business receiving the wire for their bank's routing number, or look it up on their bank's website. Many banks list routing numbers by state and account type on their customer service pages. Confirm the routing number in writing before you initiate the transfer, especially for large amounts.
What to do if your wire transfer does not arrive
If you sent a wire from Bank of America and the recipient says they did not receive it, contact Bank of America when ready with your wire confirmation number. Bank of America can trace the wire using this number and determine whether it was sent to the correct routing number and account. If the wire went to the wrong bank, Bank of America can sometimes recall it, but this process takes time and is not always successful.
Keep your wire confirmation number and receipt for at least 60 days. If there is a dispute about whether the wire arrived, you will need this documentation to file a claim with Bank of America. For international wires, the process is more complex and may require coordination with the receiving bank in another country.
Frequently Asked Questions
Is the routing number 011000015 correct for all Bank of America accounts in Maryland?
It is the standard routing number for most Bank of America wire transfers in Maryland, but some accounts use different numbers depending on account type or account history. Check your checks or online account details to confirm the routing number for your specific account before sending a wire.
Can I use the same routing number for a wire transfer and a bill payment?
No. Wire transfers and bill payments use different routing systems. For bill payments through Bank of America, use the routing number shown in your bill payment setup, which may differ from your wire transfer routing number. Always verify which routing number applies to the type of transaction you are making.
What happens if I use the wrong routing number?
The wire may be sent to the wrong bank or rejected entirely. If it reaches another bank, that bank may return it to Bank of America, which can take several business days. Contact Bank of America when ready with your confirmation number so they can trace the wire and attempt to recover the funds.
Do I need a different routing number for international wire transfers?
No, you use the same Bank of America routing number (011000015 for most accounts). However, the receiving bank in another country may require additional information such as a SWIFT code or IBAN number. Ask the recipient for all routing and account information they need before you initiate an international wire.
How long does a wire transfer from Bank of America take?
Domestic wires sent before 2 p.m. Eastern Time on business days usually arrive the same day. Wires sent after the cutoff or on weekends arrive the next business day. International wires typically take three to five business days, depending on the destination country and the receiving bank's processing time.