Bank of America routing numbers in Texas depend on which city your account was opened in
Bank of America uses different routing numbers for different regions. If your account is held at a Bank of America branch in Texas, your routing number will be one of two numbers depending on whether your branch is in the Dallas-Fort Worth area or elsewhere in the state. The routing number appears on the bottom left of your checks, but if you do not have checks handy, you can find it through your online banking portal, by calling the bank, or by looking it up on the Federal Reserve's routing number database.
Routing numbers matter for wire transfers because they tell the sending bank exactly which Bank of America location to send money to. Using the wrong routing number can delay your transfer or send it to the wrong account entirely. Texas has two main Bank of America routing numbers in use, and knowing which one belongs to your account takes less than five minutes.
Key Takeaways
- Bank of America's routing number for most Texas locations is 111000025, while the Dallas-Fort Worth area uses 111000012.
- Your routing number appears on the bottom left corner of your checks, before your account number.
- You can confirm your routing number by logging into your Bank of America online account, calling 1-800-432-1000, or checking the Federal Reserve's routing number lookup tool.
- Using the wrong routing number can delay a wire transfer by several days or send funds to an incorrect account.
- The routing number is different from your account number and SWIFT code, both of which you may also need for international wire transfers.
The two Bank of America routing numbers used in Texas
Bank of America maintains routing number 111000025 for most of Texas, including Houston, Austin, San Antonio, and other major cities outside the Dallas-Fort Worth metroplex. This is the routing number you will use for wire transfers to a Bank of America account in those regions.
For accounts held at Bank of America branches in the Dallas-Fort Worth area, the routing number is 111000012. This covers Dallas, Fort Worth, Arlington, and surrounding communities in that region. If you are unsure which area your branch falls under, your account statement or online banking portal will show your branch location.
Both numbers are legitimate Bank of America routing numbers. The difference exists because the Federal Reserve assigns routing numbers by region, and Bank of America operates separate processing centers for different parts of Texas. Using the wrong one will not cause your transfer to fail permanently, but it may be rerouted, which adds one to three business days to the process.
How to find your routing number on your checks
The fastest way to find your routing number is to look at a check from your Bank of America account. At the bottom left of the check, you will see nine digits printed in a special magnetic ink. The first nine digits are your routing number. The next set of digits is your account number, and the final digits are the check number.
The routing number is always in the same position on every Bank of America check, regardless of which Texas location your account is tied to. If you have not ordered checks yet or your checks are packed away, you do not need to dig them out — your online account and the bank's phone line are faster.
Finding your routing number through Bank of America online banking
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are logged in, navigate to the account details or account information section. Most accounts display the routing number directly on the account summary page, or you can find it under a "Wire Transfer Information" or "Account Details" tab.
If you cannot locate it in your account dashboard, Bank of America's online help section includes a routing number lookup tool. You can also call the customer service number on the back of your debit card or visit a local branch in person. The phone line is usually faster than a branch visit if you need the number right away.
Calling Bank of America to confirm your routing number
You can reach Bank of America customer service at 1-800-432-1000. Have your account number ready when you call. A representative will confirm your routing number and can also answer questions about wire transfer fees, processing times, and whether your transfer requires any additional information.
Bank of America's phone lines are open Monday through Friday during business hours and Saturday mornings. If you call outside those hours, you can leave a message or use the automated system to look up your routing number. The wait time is usually shorter early in the morning or mid-afternoon on weekdays.
Using the Federal Reserve's routing number database
The Federal Reserve maintains a public routing number lookup tool at frbservices.org. You can search by bank name and state to find all routing numbers associated with Bank of America in Texas. This tool is useful if you want to double-check that the number you have is current and correct, or if you are trying to figure out which routing number applies to your specific branch.
The Federal Reserve database is the official source for routing numbers and is updated whenever a bank changes its processing center or routing structure. It does not require you to log in or provide personal information, and it is free to use.
What to do if you are sending money to a Bank of America account in Texas
When you initiate a wire transfer to someone else's Bank of America account in Texas, you will need their routing number, account number, and full name as it appears on the account. The sending bank will ask for all three pieces of information. If you provide the correct routing number but the wrong account number, the money will go to the wrong person's account at that bank.
If you are sending the transfer from outside the United States, you may also need Bank of America's SWIFT code, which is BOFAUS3N. This is different from the routing number and is used for international wire transfers. Domestic transfers within the United States use only the routing number and account number.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts in Texas?
No. Bank of America uses routing number 111000025 for most of Texas and 111000012 for the Dallas-Fort Worth area. Your specific routing number depends on which region your branch is located in. You can find your exact routing number on your checks or in your online account.
What happens if I use the wrong routing number for a wire transfer?
The transfer may be delayed by one to three business days while it is rerouted to the correct location. In some cases, the sending bank will catch the error and ask you to provide the correct routing number before processing the transfer. It is unlikely to be sent to the wrong person, but delays are common.
Can I use the same routing number for checks and wire transfers?
Yes. The routing number on your checks is the same one you use for wire transfers, direct deposits, and other electronic transfers. It identifies your Bank of America branch and processing center, regardless of the type of transaction.
Do I need a different routing number if I have multiple Bank of America accounts?
Not necessarily. If all your accounts are at the same branch location, they share the same routing number. If you have accounts at different Bank of America branches in different regions of Texas, each account may have a different routing number. Check your account statements or online banking to confirm.
What is the difference between a routing number and a SWIFT code?
A routing number is used for domestic wire transfers within the United States. A SWIFT code is used for international wire transfers. Bank of America's SWIFT code is BOFAUS3N. If you are sending money to a Bank of America account in Texas from another country, you will need the SWIFT code instead of the routing number.