Bank of America's Massachusetts routing number is 011000015

Bank of America uses a single routing number across all of Massachusetts: 011000015. This nine-digit code tells the Federal Reserve and other banks where to send money when you initiate a wire transfer from a Bank of America account in the state. You will need this number when you are sending money out, not receiving it — if someone is wiring money to you, they use your account number and your bank's routing number, which is the same one.

The routing number does not change based on which Bank of America branch you use in Massachusetts or which type of account you hold. Whether you have a checking account, savings account, or money market account at Bank of America in Massachusetts, the routing number for outgoing wires is always 011000015.

Key Takeaways

  • Bank of America's routing number for all Massachusetts locations and account types is 011000015.
  • You need this routing number when you send a wire transfer from your Bank of America account, not when you receive one.
  • The routing number is the same whether you bank at a branch in Boston, Worcester, Springfield, or anywhere else in Massachusetts.
  • Bank of America publishes this routing number on their official website and in account statements, so you can verify it before sending money.

Where to find the routing number on your own documents

Your Bank of America account statement lists the routing number at the bottom left of each check, printed as the first set of nine digits before your account number. If you have not received a statement recently or do not have checks, you can log into your Bank of America online account and look for the routing number in the account details or settings section — the exact location varies slightly depending on whether you use the website or mobile app.

You can also call Bank of America's customer service line at 1-800-432-1000 and confirm the routing number with a representative. They will verify that 011000015 is correct for your account and can answer questions about wire transfer fees or timing.

What happens when you use the wrong routing number

If you enter an incorrect routing number when sending a wire transfer, the money may be sent to the wrong bank or rejected entirely. The Federal Reserve will try to return the funds to your Bank of America account, but this process can take several business days. During that time, the money is in limbo and you cannot access it.

Some banks charge a fee to reverse a wire transfer with an incorrect routing number, even though the money is ultimately returned to you. Before you send any wire transfer, double-check that you have entered 011000015 correctly and that you have the correct account number for the person or business receiving the money.

Routing number versus account number

The routing number (011000015) identifies Bank of America as the institution. Your account number, by contrast, identifies your specific account within Bank of America. When you send a wire transfer, you must provide both pieces of information: the routing number tells the Federal Reserve which bank to send the money to, and the account number tells that bank which account within the bank should receive it.

The person or business receiving your wire transfer will ask you for both numbers. Do not confuse them or swap them — the routing number is always nine digits and starts with 0, while your account number is typically 10 digits and is unique to you.

Wire transfer timing and fees at Bank of America

Bank of America charges a fee for outgoing domestic wire transfers, though the amount varies depending on whether you send the wire in person at a branch, by phone, or online. Wires sent online are often cheaper than wires sent by phone or in person. The fee is deducted from your account at the time you send 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 wire transfers take longer and may incur additional fees. Check your account or call Bank of America before sending to confirm current fees and cutoff times.

Using the routing number for other types of transfers

The routing number 011000015 is used for wire transfers, but it is also used for other electronic transfers such as ACH (Automated Clearing House) transfers, which are slower but often free or cheaper. ACH transfers typically take one to three business days to arrive. If you are setting up automatic bill payments or direct deposit, you may also need to provide this routing number along with your account number.

Some online payment services and third-party apps ask for your routing number and account number to pull money from your Bank of America account. Before you provide these numbers to any service, verify that the service is legitimate and that you trust it with access to your account.

Frequently Asked Questions

Does Bank of America have different routing numbers for different branches in Massachusetts?

No. All Bank of America branches in Massachusetts use the same routing number: 011000015. The routing number identifies the bank, not the individual branch. Your specific branch location does not matter for wire transfers.

Can I use this routing number to receive a wire transfer?

Yes. When someone sends you money via wire transfer to your Bank of America account in Massachusetts, they will use the same routing number (011000015) along with your account number. The routing number works the same way whether money is going out or coming in.

What if I am wiring money to someone outside Massachusetts?

If you are sending money from your Bank of America account in Massachusetts to someone at another bank, you still use your own bank's routing number (011000015) when you initiate the transfer. The receiving bank's routing number is only needed if you are receiving money, not sending it.

Is 011000015 the same as Bank of America's ABA number?

Yes. The routing number and the ABA (American Bankers Association) number are the same thing. Both terms refer to the nine-digit code that identifies Bank of America in the Federal Reserve system. You may see them used interchangeably.

What should I do if my wire transfer does not arrive?

Contact Bank of America when ready with the date you sent the transfer, the amount, and the recipient's account number. Bank of America can trace the wire and determine whether it was sent to the correct bank. If the routing number was incorrect, the bank can help you recover the funds or resend the transfer to the correct destination.