Bank of America's wire transfer address and routing information
Bank of America does not use a single mailing address for wire transfers. Instead, wires go directly to the bank's electronic system using a routing number — a nine-digit code that identifies the specific Bank of America location where the receiving account sits. You do not mail anything. The sending bank's system routes the money electronically using that number, the account number, and the account holder's name.
Bank of America's routing number varies by state and by the type of account. For a domestic wire (money moving between U.S. banks), you need the routing number that matches where the receiving account is held. For an international wire, you also need the bank's SWIFT code, which is BOFAUS3N for most Bank of America locations in the United States.
The person sending the wire — whether that is you or someone else — provides this information to their own bank. Their bank then sends the funds electronically to Bank of America's system, which deposits the money into the account you specify.
Key Takeaways
- Bank of America wire transfers use a routing number, not a mailing address, because wires move electronically between bank systems.
- The routing number depends on which state the Bank of America account is located in, so you must confirm the correct one before the wire is sent.
- For international wires, you also need Bank of America's SWIFT code: BOFAUS3N.
- The person sending the wire provides all this information to their own bank, not to Bank of America directly.
- If you are receiving a wire, you give the sender your account number, your name as it appears on the account, and the correct routing number for your Bank of America branch location.
Finding the correct routing number for your Bank of America account
Bank of America publishes routing numbers by state on its website. Go to bankofamerica.com, search for "routing number," and select your state from the list. The page shows multiple routing numbers — one for each region or account type within that state. You need the routing number that matches your account location, not just any Bank of America routing number.
If you are unsure which one applies to your account, call Bank of America at 1-800-432-1000 and have your account number ready. A representative can confirm the exact routing number in seconds. You can also find it on a check you have written from that account — the routing number appears as the first nine digits in the lower left corner, before your account number.
Write down the routing number and keep it with the wire instructions. If the sending bank enters the wrong routing number, the wire may go to a different Bank of America account or be rejected entirely, which delays the transfer and requires the sending bank to investigate.
What information the sender needs from you
If someone is sending you money by wire, give them these four pieces of information in writing:
- Your full name as it appears on your Bank of America account
- Your Bank of America account number
- The routing number for your account's location (confirmed by you, not guessed)
- The amount and purpose of the wire (optional but helpful for your records)
For an international wire, also provide Bank of America's SWIFT code: BOFAUS3N. The sender's bank will ask for this automatically if the wire is crossing a border.
Do not give out your account information to anyone you do not trust. A wire transfer cannot be reversed once it leaves the sending bank, so if someone sends money to the wrong account by mistake, recovering it is difficult and may be impossible.
How long a wire to Bank of America takes
A domestic wire sent during business hours (Monday through Friday, before 5 p.m. Eastern Time) typically arrives in your Bank of America account the same day or the next business day. Wires sent after 5 p.m. or on weekends are processed the next business day.
Bank of America does not charge a fee to receive a wire, though the sending bank may charge the person sending it. International wires take longer — usually two to five business days — because they pass through multiple banks and currency exchanges.
Once the wire arrives, Bank of America deposits it into your account automatically. You will see it in your account balance and in your transaction history. If you do not see it within the expected timeframe, contact Bank of America to confirm the routing number was entered correctly and to ask whether the wire is still in process.
Common mistakes that delay or reject wires
The most frequent error is using the wrong routing number. Bank of America has different routing numbers for different states and regions. If the sending bank enters a routing number that does not match your account location, the wire may be rejected or sent to a different account. Always confirm your routing number with Bank of America before giving it to the sender.
The second common mistake is a mismatch between the account number and the name on the account. If the sender provides your account number but spells your name differently than it appears on the account, the wire may be held or rejected. Make sure the sender has your name exactly as the bank has it on file.
A third mistake is sending a wire after the bank's cutoff time. If the sending bank processes the wire after 5 p.m. Eastern Time on a Friday, it will not arrive until Monday at the earliest. If you need the money by a specific date, tell the sender to initiate the wire early in the day and on a weekday.
If a wire to your Bank of America account goes missing
If you expected a wire and it has not arrived within the timeframe the sender said it would, contact Bank of America when ready. Call 1-800-432-1000 and have ready: the sender's name, the amount, the date the sender said they initiated the wire, and the sender's bank name.
Bank of America can check whether the wire arrived in your account under a slightly different name, whether it was rejected due to a routing number error, or whether it is still in process. If the routing number was wrong, the sending bank will need to trace the wire and reroute it, which can take several days.
If the wire was sent to the wrong account at Bank of America, the bank that received it may be able to return it, but this is not may provide. This is why confirming the routing number before the wire is sent is so important.
International wires to Bank of America
For a wire coming from outside the United States, the sender needs Bank of America's SWIFT code in addition to your routing number and account number. The SWIFT code for Bank of America in the U.S. is BOFAUS3N. Some international senders may also ask for an IBAN (International Bank Account Number), but Bank of America accounts do not use IBANs — provide your routing number and account number instead.
International wires are subject to currency conversion, which means the amount that arrives in your account may be slightly less than the amount sent, depending on exchange rates and fees charged by intermediary banks. Ask the sender whether they are sending a specific dollar amount or a specific amount in their home currency, so you know what to expect.
International wires typically take two to five business days. Some countries have additional regulatory requirements that can extend this timeline. If the wire does not arrive within a week, contact Bank of America and ask them to check the status with the sending bank.
Frequently Asked Questions
Can I wire money out of my Bank of America account?
Yes. Log into your Bank of America online account or call 1-800-432-1000 to initiate an outgoing wire. You will need the recipient's name, account number, routing number (for domestic wires), and the amount. Bank of America charges a fee for outgoing domestic wires, usually between $15 and $30 depending on your account type.
What is the difference between a routing number and a SWIFT code?
A routing number is a nine-digit code used for domestic U.S. wires. A SWIFT code is an eight-character code used for international wires. Bank of America's SWIFT code is BOFAUS3N. You use the routing number for wires within the U.S. and the SWIFT code for wires from outside the U.S.
Can I cancel a wire after I send it?
Once a wire leaves your bank, it cannot be cancelled. If you made a mistake, contact your bank when ready — they may be able to stop it if it has not yet been processed, but this is not may provide. This is why confirming all details before sending is critical.
Do I need to report a wire transfer to the IRS?
Banks report large wire transfers to the IRS automatically. If you receive a wire of $10,000 or more, the receiving bank files a Currency Transaction Report. This is routine and does not mean you have done anything wrong. Keep records of the wire for your tax records if it is income-related.
What if the sender's bank says they cannot find the routing number I gave them?
Call Bank of America at 1-800-432-1000 and confirm the routing number again. If the sending bank still cannot find it, ask Bank of America for the ABA number (which is the same as the routing number) or ask them to provide the routing number in a different format. Occasionally, older systems use slightly different formats, but the nine-digit number should work with any U.S. bank.