Bank of America's routing number depends on which state your account is in
Bank of America does not use a single routing number across the country. The number you need for a wire transfer is determined by the state where your account's branch is located, not where you live or where you are sending money from. If you give the wrong routing number, your wire may be delayed or sent to the wrong account.
Your routing number is a nine-digit code that identifies your specific bank and branch to the Federal Reserve. When you initiate a wire transfer, the sending bank uses this number to route your money to the correct Bank of America location, which then deposits it into your account.
Key Takeaways
- Bank of America routing numbers vary by state, and you must use the number that matches your account's home branch location.
- You can find your routing number on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America directly.
- The routing number for wire transfers is the same as the one for ACH transfers and direct deposits, but confirm with your bank if you are unsure.
- If you provide an incorrect routing number, contact the sending bank when ready to stop the wire before it processes, which usually takes one to two business days.
How to locate your routing number online or on paper
The fastest way to find your routing number is to look at a check from your Bank of America account. The nine-digit number appears on the bottom left of the check, before your account number. If you do not have checks available, log into your Bank of America online banking account and navigate to the account details or account information section — most accounts display the routing number there without requiring you to call.
You can also call Bank of America's customer service line at 1-800-432-1000 and provide your account number and state. A representative will confirm your routing number over the phone. This method is useful if you want to verify the number before sending a large wire transfer.
Common routing numbers by state
Bank of America maintains different routing numbers for different regions. Some of the most commonly used routing numbers are 011000015 (California), 026009593 (Texas), 021000322 (New York), and 061000052 (Florida). However, these are examples only — your specific routing number depends on where your account was opened and which branch manages it.
Do not assume your routing number based on your state alone. Even if you live in California, if your account is managed by a New York branch, you would use the New York routing number. The safest approach is always to verify the number through your checks, online account, or by calling the bank directly.
What happens if you use the wrong routing number
If you provide an incorrect routing number when sending a wire, the money may be delayed while the Federal Reserve tries to locate the correct destination. In some cases, the wire is rejected and returned to the sending bank, which then notifies you. The process of returning a wire usually takes three to five business days.
If you realize you have sent a wire with the wrong routing number before it processes, contact the sending bank when ready and ask them to cancel the transfer. Most wires cannot be stopped once they have been processed by the Federal Reserve, which typically happens within one to two business days. Acting quickly gives you the best chance of preventing the money from going to the wrong place.
Routing numbers for different types of transfers
Bank of America uses the same routing number for wire transfers, ACH transfers (electronic payments between accounts), and direct deposits. You do not need to look up different numbers depending on the type of transfer. The routing number tied to your account branch works for all three methods.
If you are setting up a direct deposit with your employer or receiving a government payment, provide the same routing number you would use for a wire transfer. If your employer or the paying organization tells you they need a different number, contact Bank of America to confirm — this is rare, but it can happen if your account is managed through a special banking center.
International wire transfers and SWIFT codes
If you are sending or receiving money from outside the United States, you may need a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. This code identifies Bank of America to international banks and is used alongside your account number to complete cross-border transfers.
For incoming international wires, provide the sender with your Bank of America account number, the SWIFT code BOFAUS3N, and the address of your branch. Some countries also require an IBAN (International Bank Account Number), which Bank of America can provide if you request it through online banking or by calling customer service.
Verifying your routing number before sending money
Before you send a wire transfer, take 30 seconds to confirm your routing number through two sources. Check your most recent statement or a check, then log into your online account and compare the numbers. If they match, you can proceed with confidence. If they do not match, call Bank of America before sending the wire.
Write down the routing number and read it aloud to yourself or to the person helping you set up the transfer. Transposing even one digit can send your money to the wrong account. This extra step costs nothing and takes less than a minute, but it prevents the frustration and delay of a misdirected wire.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers?
No. Bank of America routing numbers vary by state and branch location. Two customers in the same city may have different routing numbers if their accounts are managed by different branches. Always verify your specific routing number rather than using someone else's.
Can I find my routing number on my debit card?
No. Routing numbers do not appear on debit cards. They appear on checks, in your online banking account, or on your account statements. If you do not have checks, log into your Bank of America account online to find the number under account details.
What if I do not know which state my account is in?
Log into your online banking account and look at your account information or profile section — it will list the branch location and state. You can also call Bank of America at 1-800-432-1000 with your account number, and they will tell you which state your account is registered in and provide the correct routing number.
Do I need a different routing number for outgoing versus incoming wires?
No. The same routing number works for both sending and receiving wires. When you send a wire, you provide the recipient's routing number. When you receive a wire, you give the sender your routing number — the same one you would use to send money out.
How long does a wire transfer take once I provide the correct routing number?
Domestic wire transfers typically process within one to two business days after the sending bank submits them. The routing number ensures the money reaches the correct Bank of America branch, but processing time depends on when the sending bank processes the request and whether the transfer is submitted on a business day.