Bank of America's New Jersey routing number is 021000021
If you are sending a wire transfer from a Bank of America account in New Jersey, you will use routing number 021000021. This nine-digit code tells the banking system which financial institution and branch location should receive your money. Bank of America uses the same routing number for all of its New Jersey branches, so the location of your local branch does not matter.
The routing number is different from your account number. Your account number identifies your specific account within the bank, while the routing number identifies the bank itself in the federal payment system. You need both pieces of information to complete a wire transfer.
Key Takeaways
- Bank of America's routing number for New Jersey wire transfers is 021000021, and this number works for all Bank of America branches in the state.
- The routing number appears on the bottom left of your checks, but you can also find it by logging into your online banking account or calling customer service.
- Wire transfers require both your routing number and your account number, and you should double-check both before sending money.
- If you are receiving a wire transfer, provide the sender with your routing number, account number, and your full name exactly as it appears on your account.
Where to find your routing number on a check
The easiest way to locate your routing number is to look at a check from your Bank of America account. The routing number appears as the first set of nine digits on the bottom left of the check, before your account number. The format looks like this: the routing number comes first, then your account number, then the check number on the far right.
If you do not have checks available or prefer not to use them, you can find the routing number through other methods. Keep in mind that the routing number printed on checks is the same as the one you would use for wire transfers, so either source is reliable.
How to find your routing number online or by phone
Log into your Bank of America online banking account and navigate to the account details or account information section. The routing number is usually listed alongside your account number. If you cannot locate it in your account dashboard, you can call Bank of America customer service at 1-800-432-1000 and speak with a representative who can provide the number when ready.
When you call, have your account number ready so the representative can pull up your account quickly. They will confirm the routing number and can also answer any questions about wire transfer fees or processing times specific to your situation.
What information you need to send a wire transfer
To send a wire transfer from your Bank of America account in New Jersey, you will need to provide the receiving bank with several pieces of information. You need the recipient's full name exactly as it appears on their account, their account number, their bank's routing number, and the amount you want to send. Some wire transfers also require the recipient's bank address.
You can initiate a wire transfer through Bank of America's online banking platform, by visiting a branch in person, or by calling the wire transfer department. Online transfers are usually the fastest option and allow you to review all the details before confirming. Wire transfers typically process the same business day if you send them before the bank's cutoff time, which is usually early afternoon.
Common mistakes when using a routing number
The most frequent error is confusing the routing number with the account number or the SWIFT code. The routing number is nine digits and identifies the bank within the U.S. payment system. Your account number is longer and identifies your specific account. If you are sending money internationally, you may need a SWIFT code instead of a routing number — Bank of America's SWIFT code is BOFAUS3N.
Another common mistake is transposing digits when writing down or typing the routing number. Since the routing number is only nine digits, a single wrong digit will send your money to the wrong bank or cause the transfer to fail. Always double-check the number before you confirm the transfer, and compare it against your check or your online account information.
What happens if you use the wrong routing number
If you send a wire transfer with an incorrect routing number, the money may be rejected by the receiving bank and returned to your Bank of America account. This process can take several business days. In some cases, the money might be sent to a different bank or account, which creates a more complicated recovery process.
If you realize you made an error after sending the transfer, contact Bank of America when ready. The sooner you report the mistake, the better chance the bank has of stopping or redirecting the transfer. Keep your wire transfer confirmation number handy when you call, as the representative will need it to locate your transaction.
Frequently Asked Questions
Is the routing number the same for all Bank of America branches in New Jersey?
Yes. Bank of America uses routing number 021000021 for all branches throughout New Jersey. The routing number does not change based on which branch you use or where you opened your account.
Can I use the routing number from my check for an online wire transfer?
Yes. The routing number printed on your checks is the same routing number you use for wire transfers, ACH transfers, and direct deposits. All payment methods use the same nine-digit code.
What if I am receiving a wire transfer instead of sending one?
Provide the sender with your Bank of America routing number (021000021), your account number, and your full name exactly as it appears on your account. The sender will enter this information into their bank's wire transfer system to send you money.
Do I need a different routing number for international wire transfers?
For international wire transfers, you typically need Bank of America's SWIFT code (BOFAUS3N) instead of the routing number. The routing number is used only for transfers within the United States. Ask the sender which code their bank requires.
How long does a wire transfer take if I use the correct routing number?
Wire transfers sent before the bank's cutoff time (usually early afternoon on business days) typically arrive the same day. Transfers sent after hours or on weekends may not process until the next business day. Bank of America will provide an estimated delivery time when you initiate the transfer.