Bank of America routing numbers depend on where you opened your account and which service you're using
Bank of America uses different routing numbers for different states and account types. The routing number you need for a wire transfer is not the same as the one printed on your checks, and using the wrong one will delay or reject your transfer. The fastest way to find the correct number is to log into your Bank of America online account, call the bank directly, or check the wire transfer instructions the bank sends when you initiate a transfer.
Bank of America's main routing number for most checking and savings accounts is 026009593, but this applies only to accounts opened in certain states. If your account was opened in a different state, or if you're sending money internationally, you will need a different routing number. The bank maintains a full list on its website, searchable by state.
Key Takeaways
- Bank of America's primary domestic routing number is 026009593, but the correct number depends on the state where you opened your account.
- You can find your specific routing number by logging into your online account, calling Bank of America at 1-800-432-1000, or checking the wire instructions the bank provides when you start a transfer.
- The routing number on your checks is often different from the one you need for wire transfers, so do not assume they are the same.
- International wire transfers use a different code called a SWIFT code (BOFAUS3N for Bank of America), not a routing number.
Where to find your routing number in your online account
Log into your Bank of America account through the website or mobile app. Go to the account details or account information section — the exact location varies depending on whether you're using the website or app. The routing number is usually listed alongside your account number and other account details.
If you cannot find it in account details, start a wire transfer and the bank will display the correct routing number for your account before you confirm the transfer. You can stop at that point without sending money; the purpose is to see which routing number the system assigned to you.
How to get your routing number by phone
Call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can tell you the correct routing number for your account in less than a minute. This is the most direct method if you do not have online access or prefer to speak with someone.
If you are calling from outside the United States, Bank of America's international customer service number is listed on the back of your debit card or on the bank's website.
Routing numbers by state
Bank of America assigns routing numbers based on the state where your account was opened, not where you currently live. The main routing number 026009593 covers most states, but some states have their own numbers. Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, New York, Texas, and Virginia each have separate routing numbers.
If you opened your account in one of these states, you must use that state's routing number for domestic wire transfers. Using the main routing number by mistake will not send your money to the wrong place, but it may cause delays while the bank reroutes the transfer. The bank's website has a complete list of state-specific routing numbers, searchable by state name.
The difference between routing numbers and SWIFT codes
A routing number is used only for domestic wire transfers within the United States. If you are sending money to a Bank of America account outside the United States, or receiving money from abroad, you need a SWIFT code instead. Bank of America's SWIFT code is BOFAUS3N.
Some international transfers also require an IBAN (International Bank Account Number) if the receiving country uses them. Bank of America can provide your IBAN if you ask, but it is not the same as a routing number. When you initiate an international wire, the bank will tell you which codes you need.
What to do if the wire transfer is rejected
If your wire transfer is rejected and the bank says the routing number is incorrect, the most common cause is using a routing number that does not match the state where your account was opened. Check which state appears on your account paperwork or in your account details, then verify you are using the routing number for that state.
The second most common cause is confusing a routing number with an account number or using a number from a check instead of the wire transfer routing number. If you are unsure, call Bank of America and confirm the routing number before trying again. The bank can also tell you whether the transfer was rejected or is still pending.
Frequently Asked Questions
Is the routing number on my check the same as the one for wire transfers?
Not always. The number on your check is a routing number, but it may not be the correct one for wire transfers if your account was opened in a state with a separate wire transfer routing number. Check your account details or call the bank to confirm which routing number to use for wires.
Can I use the same routing number for all types of transfers?
Domestic wire transfers use the routing number based on your account's home state. ACH transfers (automatic payments and direct deposits) may use a different routing number. Check the bank's instructions for each transfer type, or ask a representative which number to use.
What happens if I use the wrong routing number?
The transfer may be rejected, delayed, or rerouted to the correct Bank of America location. The money will not go to the wrong person, but you may wait several extra days. Contact the bank when ready if a transfer fails so they can help you resend it with the correct routing number.
Do I need a routing number to receive a wire transfer?
Yes. The person sending you money needs your routing number and account number. You can find both in your online account or by calling the bank. For international transfers, provide your SWIFT code (BOFAUS3N) instead of a routing number.