Bank of America routing numbers depend on where your account is and what type of transfer you're sending
Bank of America uses different routing numbers based on the state where your account branch is located and whether you're sending a domestic wire, an international wire, or an ACH transfer. A routing number is a nine-digit code that tells the banking system which Bank of America location holds your account. Using the wrong routing number can delay your transfer or send money to the wrong place.
The most common routing number for Bank of America domestic wires is 026009593, which covers most states. However, if your account is in Connecticut, New Jersey, or New York, your routing number is 021000018. For international wires sent from Bank of America, you'll need the SWIFT code BOFAUS3N instead of a routing number, along with additional information like the recipient's IBAN or account number.
Before you wire money, confirm which routing number applies to your account by checking your checks, calling Bank of America directly, or logging into your online account.
Key Takeaways
- Bank of America's primary routing number for domestic wires is 026009593, but accounts in Connecticut, New Jersey, and New York use 021000018.
- International wires from Bank of America require the SWIFT code BOFAUS3N, not a routing number.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Using an incorrect routing number can delay your wire transfer or cause the money to go to the wrong account.
Where to find your routing number
The fastest way to find your Bank of America routing number is to look at the bottom left corner of any check you have. The first nine digits printed there are your routing number. If you don't have checks available, log into your Bank of America online account or mobile app, go to your account details, and the routing number will be listed there.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. Have your account number ready when you call. Bank of America representatives can confirm which routing number applies to your specific account based on where your branch is located.
Routing numbers by state and transfer type
| Transfer Type | Routing Number | States or Use |
|---|---|---|
| Domestic wire (most states) | 026009593 | All states except CT, NJ, NY |
| Domestic wire (Northeast) | 021000018 | Connecticut, New Jersey, New York |
| ACH transfer | 026009593 | Most states |
| International wire | BOFAUS3N (SWIFT code) | All countries |
If you're sending money to someone outside the United States, you will not use a routing number. Instead, you'll provide the SWIFT code BOFAUS3N along with the recipient's international bank account number or IBAN. The receiving bank will also have its own SWIFT code or routing equivalent that you may need to include.
What information you need to send a wire transfer
To send a domestic wire transfer from Bank of America, you'll need the recipient's name, their bank's routing number (not Bank of America's), their account number, and the amount you want to send. You do not need to provide your own routing number when initiating a wire — Bank of America already knows which account the money is leaving from.
For an international wire, you'll need the recipient's full name, their bank's SWIFT code, their IBAN or international account number, and sometimes their bank's address. You may also need to specify the purpose of the transfer. Bank of America charges a fee for outgoing wires, which varies depending on whether the wire is domestic or international.
Common mistakes when using routing numbers
The most common error is confusing Bank of America's routing number with the recipient's bank's routing number. When you send a wire, you provide the recipient's bank routing number, not Bank of America's. Bank of America already knows your account information because you're the one sending the money.
Another mistake is using the wrong routing number for your state. If your account is in New York but you use the general routing number 026009593, the wire may be delayed while the system routes it to the correct location. Always confirm your state-specific routing number before sending a large transfer.
Some people also confuse routing numbers with SWIFT codes. Routing numbers are used only for transfers within the United States. SWIFT codes are used for international transfers and look different — they are typically eight or eleven characters long, while routing numbers are always nine digits.
How to send a wire transfer through Bank of America
You can send a wire transfer through Bank of America online, through the mobile app, by phone, or in person at a branch. To send online, log into your account, select "Transfer Money," choose "Wire Transfer," and enter the recipient's information. You'll be asked to confirm the recipient's bank routing number, their account number, and the amount.
If you call Bank of America to send a wire, a representative will walk you through the information they need. Have the recipient's full name, account number, and their bank's routing number ready. Wire transfers sent before 2 p.m. Eastern Time on a business day usually arrive the same day; transfers sent after that time or on weekends may arrive the next business day.
Frequently Asked Questions
What is the difference between a routing number and a SWIFT code?
A routing number is a nine-digit code used only for transfers within the United States. A SWIFT code is an international bank identifier used for transfers outside the U.S. and is typically eight or eleven characters long. Bank of America's SWIFT code is BOFAUS3N.
Do I need to provide my own routing number when sending a wire?
No. When you send a wire from Bank of America, you provide the recipient's bank routing number, not your own. Bank of America already has your account information because you are the one initiating the transfer.
What happens if I use the wrong routing number?
If you use an incorrect routing number, the wire may be delayed, rejected, or sent to the wrong bank. Contact Bank of America when ready if you realize you've used the wrong number. They may be able to recall the transfer or redirect it, depending on how far the money has traveled through the banking system.
Can I send an international wire using a routing number?
No. International wires require a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. You'll also need the recipient's IBAN or international account number and their bank's SWIFT code.
How long does a wire transfer take?
Domestic wire transfers sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Transfers sent after 2 p.m. or on weekends typically arrive the next business day. International wires usually take one to three business days, depending on the receiving country and bank.