The routing number you need depends on which Bank of America location processes your account
Bank of America does not use a single routing number for all North Carolina customers. Instead, the routing number depends on where your account is held — which branch or processing center handles it — not where you live or which branch you visit. When you send a wire transfer from a Bank of America account in North Carolina, you will use the routing number tied to your account's home branch or the regional processing center that manages it.
The most common routing number for Bank of America accounts in North Carolina is 026009593. This number works for most personal and business accounts held at North Carolina branches. However, some accounts — particularly older ones or those opened at specific locations — may use a different routing number. The only way to know which one is correct for your account is to check your own records or contact Bank of America directly.
Key Takeaways
- The routing number 026009593 works for most Bank of America accounts in North Carolina, but your specific account may use a different one.
- Your routing number appears on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America customer service.
- Using the wrong routing number will cause your wire transfer to be rejected or delayed, so verify before you send money.
- Bank of America charges a fee for outgoing domestic wire transfers, typically between $15 and $30 depending on your account type.
Where to find your routing number on your checks
If you have a checkbook, your routing number is printed on the bottom left of every check. It is a nine-digit number that appears 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. All three are printed in magnetic ink at the bottom of the check.
Write down the nine-digit number carefully — a single digit wrong will send your wire to the wrong bank or cause the transfer to fail. If your checks are old or you have not ordered new ones in several years, the routing number on them may no longer be current, so it is safer to verify through your online account or by calling Bank of America.
How to find your routing number online or by phone
Log into your Bank of America online banking account and look for account details or account information. The routing number is usually listed alongside your account number. Some accounts show it under a "Wire Transfer Information" or "Account Details" section. If you cannot find it online, call Bank of America customer service at 1-800-432-1000 and tell them you need the routing number for a wire transfer. Have your account number and a form of identification ready.
Bank of America customer service can confirm whether 026009593 is the correct routing number for your account or provide you with the correct one if yours is different. This phone call takes a few minutes and removes any doubt before you initiate a wire transfer.
Why the routing number matters for wire transfers
A wire transfer uses the routing number to direct money from Bank of America to another bank. The routing number identifies the specific bank or processing center, while your account number identifies you within that bank. If you provide the wrong routing number, the receiving bank will not recognize the destination and may reject the transfer or send it to the wrong place.
Unlike an ACH transfer, which can sometimes be corrected after it is sent, a wire transfer is usually final. Once the money leaves Bank of America, it is difficult to recover if it went to the wrong routing number. This is why banks ask you to double-check the routing number before you confirm a wire transfer.
What happens when you send a wire transfer from Bank of America
You can send a wire transfer from Bank of America through online banking, by phone, or in person at a branch. Online is usually the fastest option. You will need to provide the receiving bank's routing number, the receiving account number, the account holder's name, and the amount you want to send. Bank of America will charge a fee — typically $15 for a domestic wire transfer, though some account types pay $30.
The transfer usually arrives at the receiving bank within one business day, though it can take longer if the receiving bank is outside the United States or if there are delays in processing. Bank of America will give you a confirmation number and a reference number for your records. Keep these numbers in case you need to track the transfer later.
Other routing numbers you might encounter
Bank of America has multiple routing numbers because it operates different divisions and has acquired other banks over time. If you have an older account or one opened through a merger, you might see a different routing number. Some accounts also have separate routing numbers for ACH transfers versus wire transfers, though this is less common.
If you are unsure whether you should use 026009593 or a different number, contact Bank of America before you send the wire. It takes one phone call to confirm, and it prevents the transfer from being rejected or sent to the wrong place.
Frequently Asked Questions
Is 026009593 the routing number for all Bank of America locations in North Carolina?
It is the routing number for most Bank of America accounts in North Carolina, but not all. Some accounts use different routing numbers depending on when and where the account was opened. Check your checks or your online account to confirm which routing number belongs to your specific account.
Can I use the same routing number for wire transfers and ACH transfers?
Usually yes. Most Bank of America accounts use the same routing number for both wire transfers and ACH transfers. However, some older accounts or accounts from acquired banks may have different routing numbers for each type of transfer. Your online banking portal or a call to customer service will clarify which applies to you.
What if I send a wire transfer with the wrong routing number?
The receiving bank will likely reject the transfer because the routing number does not match their records. The money will be returned to your Bank of America account, usually within three to five business days. You will then need to send the wire again with the correct routing number. Bank of America may charge you a fee for the rejected transfer.
Do I need a different routing number if I am sending money to another country?
No. You use the same Bank of America routing number (026009593 or your account's specific number) to send an international wire transfer. However, the receiving bank will also need a SWIFT code or IBAN number to process the transfer. Bank of America can provide these details when you set up an international wire.
How long does a wire transfer take if I use the correct routing number?
A domestic wire transfer usually arrives within one business day. If you send it before the bank's cutoff time (usually 2 p.m. or 3 p.m. on a business day), it may arrive the same day. International wire transfers typically take three to five business days, depending on the receiving country and bank.