Bank of America's routing number for New York wire transfers is 021000021

Bank of America uses a single routing number for all wire transfers sent within the United States, regardless of which state your account is in or where you're sending money. That number is 021000021. You'll need this nine-digit code when you're wiring money out of a Bank of America account in New York, whether you're sending funds to another bank or to another Bank of America account elsewhere.

The routing number stays the same whether your Bank of America branch is in New York City, Buffalo, Rochester, or anywhere else in the state. Bank of America centralizes wire processing, so the location of your physical branch doesn't change the routing number you use.

Key Takeaways

  • Bank of America's wire transfer routing number is 021000021 for all U.S. wire transfers, including those from New York accounts.
  • This routing number is different from the routing number used for ACH transfers or checks, so confirm which type of transfer you're making.
  • You can find your routing number on Bank of America's website, in your account statements, or by calling customer service at 1-800-432-1000.
  • Wire transfers typically process the same business day if sent before the bank's cutoff time, usually around 2 p.m. Eastern Time.

Where to find the routing number on your own

If you want to verify the routing number yourself rather than relying on memory, Bank of America provides it in several places. The easiest is to log into your online account or mobile app — the routing number appears in the account details section, often labeled as "Routing Number" or "ABA Number" (ABA stands for American Bankers Association).

You can also find it on the bottom left corner of any check you have from your Bank of America account. The first set of nine digits is the routing number. A third option is to call Bank of America's customer service line at 1-800-432-1000 and ask for your wire routing number; they'll confirm it over the phone.

Why wire transfers use a different routing number than ACH transfers

Bank of America actually has multiple routing numbers depending on the type of transfer. The number 021000021 is specifically for wire transfers. If you're setting up an ACH transfer (a slower electronic transfer that typically takes one to three business days), you may see a different routing number listed. ACH transfers route through a different processing system, so they use a separate code.

Before you wire money, double-check which type of transfer you need. Wire transfers are faster but usually cost a fee ($15 to $30 for outgoing domestic wires at Bank of America). ACH transfers are free but slower. Using the wrong routing number for the wrong transfer type can cause delays or failed transactions.

What information you'll need besides the routing number

The routing number alone isn't enough to send a wire. You'll also need the recipient's account number, the name of the bank where the recipient's account is held, and the recipient's full name as it appears on their account. If you're wiring to an international account, you may also need a SWIFT code (an international equivalent of a routing number) and possibly an IBAN (International Bank Account Number).

Bank of America will ask you to enter all this information when you initiate the wire through your online account or at a branch. The bank verifies the details before processing, so take time to enter everything correctly — wires are difficult to reverse once they leave your account.

Wire transfer cutoff times and processing

Bank of America processes domestic wire transfers on business days (Monday through Friday, excluding federal holidays) if you send them before 2 p.m. Eastern Time. Wires sent after that time or on weekends typically process the next business day. International wires have an earlier cutoff, usually around 12 p.m. Eastern Time.

Once the wire leaves Bank of America, it usually reaches the recipient's bank the same business day. However, the receiving bank may take an additional day to credit the funds to the recipient's account, depending on their internal processes. You'll receive a confirmation number when your wire is sent; keep this for your records in case you need to track the transfer.

Sending a wire through Bank of America in New York

You can initiate a wire transfer through Bank of America's website, mobile app, or by visiting a branch in person. Online and mobile transfers are the fastest — you can complete them in minutes from home. If you go to a branch, bring a photo ID and have all the recipient information ready.

Bank of America charges a fee for outgoing domestic wire transfers. The exact amount depends on your account type and whether you're a preferred customer, but it typically ranges from $15 to $30. Some premium accounts waive wire fees, so check your account benefits. International wires cost more, usually $45 or higher.

Frequently Asked Questions

Is 021000021 the routing number for all Bank of America locations?

Yes, 021000021 is Bank of America's wire transfer routing number for all domestic wire transfers, regardless of which state or branch your account is at. Bank of America centralizes wire processing nationally, so the routing number doesn't change by location.

What's the difference between a routing number and an account number?

A routing number identifies the bank itself (in this case, Bank of America). Your account number identifies your specific account within that bank. You need both to send or receive a wire transfer. The routing number is nine digits; your account number is typically 10 digits for Bank of America.

Can I wire money internationally using 021000021?

No. For international wire transfers, you'll need Bank of America's SWIFT code (BOFAUS3N for most U.S. locations) in addition to or instead of the routing number. The receiving bank's country determines whether they need a SWIFT code, IBAN, or other identifier. Bank of America will tell you what information is required when you start the wire.

What happens if I use the wrong routing number?

If you use an incorrect routing number, the wire may be rejected by the receiving bank and returned to Bank of America, or it may be sent to the wrong financial institution. Either way, the transfer won't reach the intended recipient. Bank of America can sometimes trace and recover a misdirected wire, but it takes time. Always verify the routing number before sending.

How long does a wire transfer take from Bank of America in New York?

Domestic wire transfers sent before 2 p.m. Eastern Time on a business day typically reach the recipient's bank the same day. The receiving bank may take an additional one to two business days to credit the funds to the recipient's account. International wires take longer, usually two to five business days depending on the destination country.