Bank of America's routing number in New Jersey is 021000021
Bank of America uses the same routing number across all New Jersey branches: 021000021. This nine-digit code identifies Bank of America as the receiving bank when you send a wire transfer from another bank. You will need this number, your Bank of America account number, and the recipient's full name to complete an incoming wire transfer.
The routing number does not change based on which Bank of America branch you use in New Jersey or which state you are sending the money from. Whether you are wiring from a bank in California or New York, use 021000021 for any Bank of America account in New Jersey.
Key Takeaways
- Bank of America's routing number for all New Jersey locations is 021000021, and it is the same for incoming wire transfers from any other bank.
- You will also need the recipient's Bank of America account number and full name to complete the wire transfer.
- The sending bank will ask for the routing number, not Bank of America — your bank uses it to route the money to the correct institution.
- If you are sending money out of a Bank of America account in New Jersey, ask your Bank of America representative for the receiving bank's routing number instead.
Where to find the routing number if you need to verify it
You can confirm the routing number 021000021 in three places. The easiest is to call Bank of America directly at 1-800-432-1000 and ask a representative to confirm the routing number for wire transfers to New Jersey. They can also tell you whether the specific branch or account type you are sending to has any special requirements.
You can also check Bank of America's official website by searching "routing number" in their help section, or visit the Federal Reserve's routing number database at frbservices.org. The Federal Reserve maintains the official list of all U.S. bank routing numbers and updates it when banks merge or change their structure.
What information the sending bank will ask for
When you go to your own bank to send a wire transfer to Bank of America in New Jersey, the bank will ask for four pieces of information about the recipient. Have these ready before you arrive or call:
- The routing number: 021000021
- The recipient's Bank of America account number (usually 10 digits)
- The recipient's full legal name as it appears on the Bank of America account
- The amount you are sending
Some banks will also ask for the Bank of America branch address in New Jersey where the account is held, though this is not required if you have the correct routing number and account number. The routing number alone tells the sending bank where to direct the transfer.
Wire transfer fees and timing
Bank of America typically charges a fee to receive a wire transfer, though the amount varies. The sending bank may also charge a fee on their end. Ask your bank about their outgoing wire transfer fee before you send the money, and contact Bank of America to ask what they charge to receive a wire.
Domestic wire transfers usually arrive within one business day. If you send the wire on a Friday afternoon, it may not arrive until Monday. If you send it on a weekend or holiday, it will not process until the next business day. The receiving Bank of America account will show the funds once the transfer clears.
If you are sending money out of Bank of America in New Jersey
If you have a Bank of America account in New Jersey and you are sending money to another bank, you will need the receiving bank's routing number, not Bank of America's. Call your Bank of America branch or visit a location in person and tell them the name of the bank where you are sending the money. They will look up that bank's routing number for you.
You can also ask the person receiving the money for their bank's routing number — they should have it on their checks or be able to get it from their bank. Do not use 021000021 when sending money out; that number is only for receiving transfers into Bank of America.
Common mistakes when wiring to Bank of America in New Jersey
The most common error is using the wrong routing number. Some people confuse Bank of America's routing number with their account number, or they use a routing number from a different state. Always double-check that you have 021000021 before you send the wire.
Another frequent mistake is providing the account number incorrectly. Bank of America account numbers are usually 10 digits, but they can vary. If you transpose even one digit, the wire may be rejected or sent to the wrong account. Ask the recipient to read their account number aloud or send it in writing, and read it back to them before you submit the transfer.
A third mistake is sending the wire on a weekend or holiday and then expecting it to arrive the same day. Domestic wires process only on business days. If you need the money to arrive by a specific date, send it at least one business day earlier.
Frequently Asked Questions
Is the routing number different for different types of Bank of America accounts in New Jersey?
No. Checking accounts, savings accounts, and money market accounts at Bank of America in New Jersey all use the same routing number: 021000021. The routing number identifies the bank, not the account type.
Can I use this routing number to set up automatic payments from another bank?
Yes. When you set up a bill payment or automatic transfer from another bank to your Bank of America account in New Jersey, use routing number 021000021 along with your Bank of America account number. The setup process is the same as a one-time wire transfer.
What if the wire transfer does not arrive after three business days?
Contact your sending bank first to confirm the wire was processed and ask for a confirmation number. Then call Bank of America at 1-800-432-1000 with the confirmation number and ask them to trace the transfer. They can tell you whether the money arrived and where it went.
Do I need to tell Bank of America I am expecting a wire transfer?
No. Wire transfers arrive automatically once they are processed by the sending bank. You do not need to notify Bank of America in advance. The money will appear in your account within one business day of being sent.
Is 021000021 the same routing number for Bank of America in other states?
Bank of America uses different routing numbers for different states. New Jersey's routing number is 021000021, but other states have different numbers. If you are sending money to a Bank of America account in another state, ask the recipient or contact Bank of America to confirm the correct routing number for that state.