Bank of America routing numbers depend on where you opened your account and where you're sending money
Bank of America has multiple routing numbers — not one number that works everywhere. The routing number you need for a wire transfer depends on two things: which state your account is in, and whether you're sending money domestically (within the U.S.) or internationally. Using the wrong routing number will delay your transfer or send it to the wrong place entirely.
For domestic wire transfers, Bank of America's most commonly used routing number is 021000021. This number works for most accounts opened in most states. However, if your account is in New York, Connecticut, or New Jersey, your routing number may be different. Bank of America also maintains separate routing numbers for international wire transfers and for transfers sent through the Federal Reserve system.
The fastest way to find your specific routing number is to log into your Bank of America online account, call their customer service line at 1-800-432-1000, or visit a branch in person with your account number and ID. Do not guess — using an incorrect routing number can result in your money going to another bank or being rejected entirely.
Key Takeaways
- Bank of America's primary domestic routing number is 021000021, but your account may use a different one depending on your state and account type.
- Your Bank of America account statement, online banking portal, and the bank's website all display your correct routing number.
- International wire transfers use a different routing number than domestic transfers, so confirm which type of transfer you're making before you wire money.
- Calling Bank of America customer service or visiting a branch guarantees you get the correct routing number for your specific account.
Where to find your routing number on your account statement
Your Bank of America routing number appears on the bottom left corner of every check you receive with your account. If you have checks, look at the first nine digits printed below the account number — that is your routing number. The format is always nine digits with no dashes or spaces.
If you do not have checks or cannot locate them, log into your Bank of America online account. Go to the account details or account information section, and your routing number will be listed alongside your account number. The exact location varies slightly depending on whether you use the mobile app or the website, but it is always in the account summary area.
How to confirm your routing number before sending a wire
Before you initiate a wire transfer, verify your routing number one more time. Call Bank of America at 1-800-432-1000 and confirm the routing number with a representative. Have your account number and a form of ID ready. This takes five minutes and prevents costly mistakes.
You can also visit BankofAmerica.com and search for "routing number" in their help section. The site displays routing numbers by state and account type. Write down the number and compare it to what you see in your online account or on your checks. If all three sources match, you are ready to wire.
Routing numbers for different account types and states
Bank of America's primary routing number 021000021 covers most checking and savings accounts in most states. However, accounts opened in New York use routing number 021202337, and accounts in Connecticut or New Jersey may use 021203051. If you opened your account in a different state but later moved, your routing number is based on where the account was originally opened, not where you live now.
Business accounts, money market accounts, and investment accounts may have different routing numbers than personal checking accounts. If you are unsure which type of account you have, your account statement will say so clearly. When in doubt, call Bank of America and provide your account number — they will give you the exact routing number for that specific account.
International wire transfers use a different routing number
If you are sending money outside the United States, you will need Bank of America's international routing number, which is different from the domestic number. For international wires, you typically use the SWIFT code BOFAUS3N instead of a nine-digit routing number. Some countries also require an IBAN (International Bank Account Number) or other local banking codes.
The receiving bank's country determines which codes you need. Before you wire internationally, contact Bank of America and tell them the country where you are sending money. They will provide all the codes and account information required. International wires are more complex than domestic ones, and using incorrect codes can result in your money being returned or stuck in limbo for weeks.
What happens if you use the wrong routing number
If you wire money using an incorrect routing number, the transfer may be rejected by the receiving bank, or it may be sent to a different bank entirely. Bank of America cannot always retrieve money sent to the wrong routing number, especially if the receiving bank has already processed it. You may have to contact the other bank directly and ask them to return the funds, which can take several weeks.
Some wire transfers are rejected when ready and returned to your account within one to three business days. Others appear to go through but end up in a holding account at another bank. This is why confirming your routing number before you send is so important. If you have already sent a wire and suspect you used the wrong number, contact Bank of America when ready — the sooner you report it, the better the chance of recovery.
Frequently Asked Questions
Is the routing number on my check the same as the one I use for wire transfers?
Yes. The nine-digit number at the bottom left of your check is your routing number, and it is the same number you use for wire transfers and other electronic transfers. If you have checks, that is the fastest way to find it.
Can I use 021000021 for any Bank of America account?
021000021 works for most Bank of America accounts in most states, but not all. Accounts in New York, Connecticut, and New Jersey use different routing numbers. Call Bank of America or check your account statement to confirm which number applies to your account.
What if Bank of America tells me a different routing number than what I see online?
Trust the number Bank of America gives you over the phone or in writing. Representatives have access to your specific account details and can confirm the exact routing number for your account type and state. Write it down and use that number for your wire.
Do I need a different routing number for transfers to other banks versus transfers within Bank of America?
No. Your routing number stays the same whether you are sending money to another bank or to another Bank of America account. The routing number identifies Bank of America as the sending bank, not the destination.
How long does a wire transfer take if I use the correct routing number?
Domestic wire transfers typically arrive the same business day if sent before the bank's cutoff time, usually around 2 p.m. Eastern Time. International wires take longer — usually one to five business days depending on the receiving country and bank.