Which Bank of America routing number to use for New York wire transfers
Bank of America has multiple routing numbers depending on where your account is located and what type of transaction you're sending. For wire transfers from a Bank of America account in New York, you will use 021000021. This is the routing number for Bank of America's main wire transfer processing center, and it works for both incoming and outgoing domestic wires regardless of which New York branch holds your account.
The routing number 021000021 is specific to wire transfers only. If you're setting up a direct deposit, writing a check, or making an ACH transfer (electronic transfer between bank accounts), you may need a different routing number. Your Bank of America statement or online banking portal will show which routing number applies to your specific transaction type.
When you initiate a wire transfer, you provide this routing number to the sending bank or financial institution, along with your Bank of America account number. The routing number tells the sending bank's system where to direct the funds — in this case, to Bank of America's wire processing network.
Key Takeaways
- Bank of America's routing number for wire transfers is 021000021, and it applies to all wire transfers from New York accounts.
- This routing number is used only for wire transfers; direct deposits, checks, and ACH transfers may require a different routing number.
- You provide the routing number to the sending bank or institution, not to Bank of America itself.
- Your Bank of America account statement or online banking dashboard shows your account number, which you'll need alongside the routing number to complete a wire transfer.
How to find your routing number in Bank of America online banking
Log into your Bank of America account through the website or mobile app. Navigate to the account details or account information section — this is usually found under "Account Services" or by selecting your specific account. Bank of America displays the routing number directly on the account summary page.
If you cannot locate it online, call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can confirm the correct routing number for your account type and location within seconds.
Difference between wire transfer routing numbers and other routing numbers
Bank of America uses the same routing number (021000021) for all domestic wire transfers, but other transaction types may use different numbers. If you're setting up a direct deposit with your employer, for example, you might receive a different routing number on your statement or through Bank of America's customer service.
The reason for multiple routing numbers is historical: different banking networks and transaction types developed separate processing systems over time. The wire transfer routing number is the one you use when someone outside Bank of America is sending you money by wire, or when you're sending a wire to another bank.
Always confirm which routing number applies to your specific transaction before sending money. Using the wrong routing number can delay the transfer or cause it to be rejected, though the funds are typically returned to the sender within a few business days.
What information you need to receive a wire transfer to your New York Bank of America account
The person or business sending you a wire transfer will need three pieces of information: Bank of America's routing number (021000021), your account number, and your full name as it appears on your account. Some senders may also ask for your address, though this is not required for the wire to process.
Your account number appears on your debit card, checks, and Bank of America statements. Make sure you provide it correctly — even one digit wrong can send the wire to the wrong account. If you're unsure of your account number, log into online banking or call customer service to confirm it before giving it to the sender.
Wire transfer fees and timing at Bank of America
Bank of America charges a fee for outgoing domestic wire transfers. The fee amount varies depending on whether you initiate the wire online, by phone, or in person at a branch, and whether you are a basic customer or have a premium account tier. Check your current account agreement or call customer service for the exact fee that applies to your account.
Incoming wire transfers to your Bank of America account are typically free. Domestic wires sent during business hours (before 2 p.m. Eastern Time on a business day) usually arrive the same day. Wires sent after 2 p.m. or on weekends and holidays are processed the next business day.
Frequently Asked Questions
Is the routing number 021000021 the same for all Bank of America customers?
Yes, 021000021 is the routing number for all Bank of America domestic wire transfers, regardless of which state you live in or which branch holds your account. It directs the wire to Bank of America's central wire processing system.
What happens if I use the wrong routing number for a wire transfer?
If you provide an incorrect routing number, the wire may be rejected by the receiving bank or sent to the wrong financial institution. The sending bank will typically return the funds to the sender within one to three business days, though the process can take longer in some cases.
Do I need a different routing number if I'm sending money to someone outside the United States?
International wire transfers require different information than domestic wires. You will need the recipient's SWIFT code (or BIC code) and IBAN or account number, depending on the country. Contact Bank of America before sending an international wire to confirm the correct routing and processing details.
Can I find my routing number on my Bank of America check?
Yes. The routing number appears on the bottom left of your checks, printed as a nine-digit number. However, confirm that this matches 021000021 for wire transfers, as some older accounts or special account types may have different routing numbers for different transaction types.