Where to find your Bank of America routing number
Your Bank of America routing number is a nine-digit code that identifies your specific branch. For wire transfers, you need the routing number that matches where your account is held, not just any Bank of America number.
The routing number appears on the bottom left of your checks, printed before your account number. If you do not have checks, you can find it by logging into your Bank of America online account, calling 1-800-432-1000, or visiting a branch in person with your ID.
Bank of America has different routing numbers for different states and account types. The routing number for a checking account in California differs from one in New York. If you are sending a wire from a savings account, confirm you have the routing number for that specific account type and location.
Key Takeaways
- Your Bank of America routing number is nine digits and appears on the bottom left of your checks before your account number.
- The routing number depends on your account location and type, so a California checking account has a different number than a New York savings account.
- You can find your routing number online through your Bank of America account, by phone at 1-800-432-1000, or at any branch.
- Wire transfer instructions require both your routing number and your account number, and Bank of America will ask for both when you initiate a transfer.
Routing numbers by state and account type
Bank of America publishes routing numbers organized by state. Each state has one or more routing numbers depending on how many processing centers operate there. Your account's routing number is determined by the state where you opened it or where your branch is physically located.
Common Bank of America routing numbers include 011000015 for California, 026009593 for New York, 026002682 for Florida, and 111000025 for Texas. However, these are examples only — your specific number depends on your account details. Do not assume your routing number based on your state alone.
If your account type changed — for example, you converted a checking account to a money market account — your routing number may have changed as well. Check your current account documents or contact Bank of America directly to confirm.
How to confirm your routing number before a wire transfer
Before you send money, verify your routing number matches your account. A wrong routing number can delay your transfer or send money to the wrong institution entirely. Bank of America will not reverse a wire sent to an incorrect routing number without the receiving bank's cooperation.
Call Bank of America at 1-800-432-1000 and confirm your routing number with a representative. They can tell you the exact number for your account type and location. You can also log into your online account and look for a "wire transfer" or "account details" section, which often displays your routing number.
Write down both your routing number and your account number before you initiate the wire. The person or business receiving the wire will ask for both. Having them written down prevents typing errors during the transfer process.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the wire may go to a different bank or branch. Bank of America processes the transfer based on the routing number you provide, not on your account number or the recipient's name. The receiving bank will not catch the error if the routing number belongs to a real institution.
If the wrong routing number belongs to another Bank of America branch, the money may arrive at that branch instead of your intended recipient. If it belongs to a different bank entirely, that bank receives the transfer and must decide what to do with funds that do not match any of their customer accounts.
Contact Bank of America when ready if you realize you used the wrong routing number. They can attempt to recall the wire, but success depends on whether the receiving bank has already processed it. Recalls can take several business days and are not always successful.
Routing number versus account number
Your routing number identifies the bank or branch. Your account number identifies your specific account within that bank. A wire transfer requires both pieces of information.
The routing number is the same for all customers at a given Bank of America branch or processing center in a given state. Your account number is unique to you. If you give someone your routing number alone, they cannot access your account — they need your account number as well.
On a check, the routing number appears first on the bottom left, followed by your account number. When you set up a wire transfer, Bank of America will ask for your routing number, your account number, and the recipient's routing number and account number at their bank.
Using Bank of America's wire transfer tools
Bank of America offers wire transfers through its online banking platform, mobile app, and by phone. Each method requires your routing number and account number to confirm your identity and process the transfer.
If you use online banking, you can usually save the recipient's information for future transfers. Bank of America will store the recipient's bank name, routing number, and account number so you do not have to enter it again. Review saved recipient details before each transfer to make sure nothing has changed.
Wire transfers through Bank of America typically cost between $15 and $30 depending on whether the transfer is domestic or international. The fee is deducted from your account. Ask Bank of America about the exact fee before you initiate the transfer.
International wire transfers and routing numbers
For international wire transfers, you may need a SWIFT code instead of a routing number, depending on the receiving country. A SWIFT code is an eight or eleven-character code that identifies a bank internationally, similar to how a routing number works domestically.
Bank of America's SWIFT code is BOFAUS3N for most domestic purposes, but some countries or banks may require a different code. If you are sending money outside the United States, ask the recipient's bank which code they need — routing number, SWIFT code, or both.
International wires take longer than domestic transfers, usually three to five business days. The receiving bank may also charge a fee on their end, which reduces the amount the recipient receives. Confirm with the recipient how much money they expect to receive after all fees.
Frequently Asked Questions
Can I use the same routing number for all my Bank of America accounts?
Not always. If all your accounts are at the same branch or processing center in the same state, the routing number is the same. If you have accounts in different states or at different processing centers, each account may have a different routing number. Check each account separately to be sure.
What if I cannot find my routing number on my checks?
Log into your Bank of America online account and look for account details or wire transfer information. You can also call 1-800-432-1000 with your account number and ID ready. A representative will provide your routing number when ready.
Do I need my routing number to receive a wire transfer?
Yes. The person sending you money needs your routing number and your account number. Provide both pieces of information to anyone who is wiring you funds. Do not share your routing number with people you do not trust, though it is less sensitive than your account number alone.
How long does a wire transfer take once I provide the routing number?
Domestic wire transfers through Bank of America typically arrive the same business day if you send them before the cutoff time, usually 2 p.m. Eastern Time. Transfers sent after the cutoff may not process until the next business day. International transfers take three to five business days.
Can Bank of America change my routing number?
Bank of America can change your routing number if your branch closes or consolidates with another location. If this happens, Bank of America will notify you and provide your new routing number. Update any automatic payments or recurring transfers that use your old routing number.