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 and account type to the banking system. For wire transfers, you need the routing number that matches both your location and the type of account you hold. Bank of America uses different routing numbers depending on whether you're sending a domestic wire, an international wire, or a wire from a specific state.
The fastest way to find your routing number is to check the bottom left corner of any check from your account — the first nine digits are your routing number. If you don't have a check, you can log into your Bank of America online account, call 1-800-432-1000, or visit a local branch with your account information and ID.
Bank of America's main domestic routing number is 026009593, but this is not always the correct number for your specific situation. Your actual routing number depends on which state your account is held in and what type of wire you're sending. Using the wrong routing number can delay your transfer or cause it to fail entirely.
Key Takeaways
- Your routing number appears on the bottom left of any Bank of America check and is always nine digits.
- Bank of America uses different routing numbers by state and wire type, so the main number 026009593 may not be correct for your transfer.
- You can confirm your exact routing number by logging into your online account, calling customer service, or visiting a branch in person.
- Wire transfers require the correct routing number to reach the right bank and account; an incorrect number can cause delays or failed transfers.
Routing numbers by state and wire type
Bank of America maintains separate routing numbers for different states and transfer types. For domestic wires from most states, the routing number is 026009593. However, some states have their own routing numbers — for example, California accounts may use a different number than accounts in New York or Texas.
International wire transfers (also called SWIFT transfers) use a different identifier altogether. Instead of a routing number, international wires require your Bank of America SWIFT code, which is BOFAUS3N for most U.S. accounts. You will also need your International Bank Account Number (IBAN) or your account number, depending on the country you're sending money to.
The safest approach is to ask Bank of America directly which routing number applies to your account before you initiate a wire. You can do this by phone, through your online account, or in person at a branch. The routing number on your check is usually correct for domestic wires, but confirming takes only a few minutes and prevents costly mistakes.
How to verify your routing number before sending a wire
Before you send money, write down the routing number you plan to use and double-check it against your check, your online account, or a call to customer service. Many wire transfer mistakes happen because a single digit was entered incorrectly, and once the money leaves your account, recovering it can take weeks or require the receiving bank's cooperation.
If you're sending a wire through Bank of America's online platform or at a branch, the system will ask you to enter the receiving bank's routing number (not yours). At that point, you can ask the Bank of America representative to confirm that the routing number you've entered is correct for the receiving bank and account type. Some branches will do this verification for you at no charge.
For international wires, ask whether you need a routing number or a SWIFT code — the receiving country and bank determine which one is required. Bank of America can provide both your SWIFT code and your account number, and they can also tell you whether the receiving bank needs any additional information like an IBAN.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the wire may be rejected by the receiving bank before it leaves your account, or it may be sent to the wrong bank entirely. A rejected wire usually returns to your Bank of America account within one to three business days. A wire sent to the wrong bank may take longer to recover — you'll need to contact that bank, prove the error, and request a reversal.
Bank of America is not responsible for wires sent with incorrect information that you provided, even if the error was a single digit. This is why confirming the routing number before you send is so important. If the wire goes to the wrong place, you become dependent on the receiving bank's willingness to help trace and return the funds.
Routing number vs. account number
Your routing number identifies the bank and branch. Your account number identifies your specific account within that bank. Both are required for a wire transfer. The routing number tells the banking system which institution to send the money to; the account number tells that institution which account within their system should receive it.
On a check, the routing number is the first nine digits at the bottom left, and the account number follows when ready after. When you set up a wire transfer, you'll enter both the receiving bank's routing number and the receiving account number. Entering the correct routing number with the wrong account number will send the money to the right bank but the wrong person — another reason to verify both pieces of information.
Bank of America wire transfer routing numbers by region
| Wire Type | Routing Number or Code | When to Use |
|---|---|---|
| Domestic wire (most states) | 026009593 | Sending money to another U.S. bank account |
| International wire (SWIFT) | BOFAUS3N | Sending money outside the United States |
| Check routing number | First 9 digits at bottom left | Verifying your account's routing number |
The routing numbers above are the most common for Bank of America accounts, but your specific routing number may differ based on your account type and the state where your account was opened. Always confirm with Bank of America before sending a wire, especially if you're sending a large amount or an international transfer.
You can find your exact routing number by checking a deposit slip, calling Bank of America customer service, or logging into your online account. Each of these methods takes only a few minutes and ensures you have the correct code for your specific account and wire type.
Frequently Asked Questions
Is the routing number on my check the same one I use for wire transfers?
Usually yes, but not always. The routing number on your check is correct for most domestic wires, but some account types or states may use a different routing number. Call Bank of America at 1-800-432-1000 or check your online account to confirm the routing number matches your specific wire transfer before you send.
What's the difference between a routing number and a SWIFT code?
A routing number is used for domestic U.S. wire transfers and identifies the bank and branch. A SWIFT code is used for international wires and serves the same purpose but works within the global banking system. Bank of America's SWIFT code is BOFAUS3N. You need a routing number for domestic wires and a SWIFT code for international ones.
Can I use 026009593 for any Bank of America wire transfer?
This is the most common Bank of America routing number for domestic wires, but it may not be correct for your specific account or state. Confirm your routing number through your check, online account, or by calling customer service before you send. Using an incorrect routing number can cause your wire to fail or go to the wrong place.
What do I do if my wire was sent to the wrong routing number?
Contact Bank of America when ready and explain the error. If the wire was rejected, it should return to your account within one to three business days. If the wire was accepted by another bank, you'll need to contact that bank and request a reversal. Bank of America can help you trace the wire, but recovery depends on the receiving bank's cooperation.
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. You can find both on a check or by logging into your Bank of America account. Give the sender both numbers to may support the wire reaches your account correctly.