Bank of America routing numbers depend on which state your account is in
Bank of America uses different routing numbers based on the state where your account is located, not where you live or where the money is going. The routing number tells the receiving bank which Bank of America location to pull the money from. If you wire from a Bank of America account in California, you use California's routing number even if you're sending money to another state.
The most commonly used Bank of America routing number is 026009593, which covers most states including California, Texas, Florida, New York, and others. However, some states have their own routing numbers. Arizona uses 122000248, and Nevada uses 322271627. If you're unsure which state your account is registered in, check your checkbook or log into your Bank of America online account — the routing number appears on the bottom left of your checks.
You can also call Bank of America directly at 1-800-869-3557 to confirm your specific routing number before you wire money. Having the correct routing number matters because an incorrect one can delay your transfer or send the money to the wrong bank.
Key Takeaways
- Bank of America's primary routing number is 026009593, but the correct number depends on which state your account is located in.
- Your routing number appears on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Using the wrong routing number can delay your wire transfer or cause the money to go to an unintended destination.
- When you initiate a wire transfer from Bank of America, you will need both your routing number and the recipient's routing number if they bank elsewhere.
- Some states like Arizona and Nevada have their own Bank of America routing numbers separate from the national default.
Where to find your routing number on Bank of America checks
If you have a Bank of America checkbook, the routing number is printed on the bottom left corner of every check. It is a nine-digit number that comes before your account number. The format on the check reads: routing number, then account number, then check number from left to right along the bottom.
This routing number on your checks is the one you should use for wire transfers from your account. If you no longer have checks or cannot locate them, you do not need to order new ones just to find this number — your online account shows it, or you can call the bank. The routing number stays the same throughout the life of your account, so any old check you have on file will show the correct number.
How to look up your routing number online
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, navigate to your account details or account information section. The routing number is usually listed alongside your account number and other account details.
If you cannot find it in the obvious places, look for a section labeled "Account Details," "Wire Transfer Information," or "Routing Number." Bank of America also provides a routing number lookup tool on their website where you can enter your state and account type to confirm the correct number. This tool is useful if you have moved or if you are unsure which state your account is registered under.
State-by-state routing numbers for Bank of America
| State | Routing Number |
|---|---|
| California | 026009593 |
| Texas | 026009593 |
| Florida | 026009593 |
| New York | 026009593 |
| Arizona | 122000248 |
| Nevada | 322271627 |
| Most other states | 026009593 |
The routing number 026009593 is the default for Bank of America in the majority of states. Arizona and Nevada are exceptions with their own numbers. If your state is not listed here, use 026009593. You can verify your specific routing number by checking your checks, your online account, or by contacting Bank of America directly.
Bank of America consolidated most of its operations under a single routing number to simplify wire transfers for customers. The state-specific numbers exist because of historical mergers and acquisitions that created separate banking entities in those states. Your account's routing number is determined by where the account was originally opened, not by your current location.
What information you need to provide when wiring from Bank of America
When you initiate a wire transfer from Bank of America, you will need to provide several pieces of information. You need your own Bank of America routing number and account number, the recipient's name, the recipient's bank routing number, the recipient's account number, and the amount you want to send.
If the recipient banks at another institution, their routing number is different from yours. You will need to ask them for their routing number or look it up using their bank's website or a routing number search tool. Bank of America will not accept a wire transfer without the correct receiving bank's routing number.
You can initiate a wire transfer through your Bank of America online account, mobile app, or by visiting a branch in person. Wire transfers typically process within one business day, though some may take longer depending on the receiving bank.
Common mistakes when using your Bank of America routing number
One frequent error is confusing your routing number with your account number. Your routing number identifies your bank; your account number identifies your specific account within that bank. Both are necessary for a wire transfer, and they are different numbers. Your routing number is always nine digits and is the same for all Bank of America customers in your state, while your account number is unique to you.
Another mistake is using the wrong state's routing number. If your account is registered in California but you use Arizona's routing number, the wire may be delayed or rejected. Always verify that your account is in the state you think it is before you wire money.
Some people also mix up their Bank of America routing number with the routing number of the bank receiving the money. You use your Bank of America routing number to send money out of your account. The recipient's bank routing number is used to direct the money into their account at their bank. Make sure you have both numbers correct before you submit the transfer.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts?
No. Bank of America uses different routing numbers based on the state where your account is located. Most states use 026009593, but Arizona uses 122000248 and Nevada uses 322271627. Check your checks or online account to confirm which routing number applies to your specific account.
Can I use the same routing number for checks and wire transfers?
Yes. The routing number on your checks is the same routing number you use for wire transfers. Both are tied to your Bank of America account and the state it is registered in.
What happens if I use the wrong routing number for a wire transfer?
An incorrect routing number can cause your wire transfer to be delayed, rejected, or sent to the wrong bank. The receiving bank may not recognize the routing number and return the transfer to Bank of America. Always double-check your routing number before you send money.
Do I need a different routing number if I move to another state?
Not necessarily. Your routing number is based on where your account was originally opened or registered, not your current address. If you move but keep the same Bank of America account, your routing number typically stays the same. However, if you open a new account in a different state, that new account may have a different routing number.
Where can I find the routing number for the bank receiving my wire transfer?
Ask the recipient directly, or visit their bank's website and look for a routing number lookup tool. Most banks display their routing number on their website or in their online banking portal. You can also call the receiving bank's customer service line to confirm their routing number.