Where to find your Bank of America routing number
Your routing number is a nine-digit code that tells the banking system which Bank of America branch holds your account. You need it to send a wire transfer out of your account. Bank of America's routing number depends on which state your account is held in — there is no single number for the whole bank.
The fastest way to find it is to look at the bottom left corner of any check from your account. The first set of nine digits is your routing number. If you do not have checks handy, you can call Bank of America at 1-800-869-3557 and give them your account number, or log into your online banking portal and look under account details or settings.
Bank of America also publishes a full list of routing numbers by state on their website. Search "Bank of America routing number" plus your state name, and you will find a page with the correct nine-digit code for your location. Write it down or take a screenshot before you start your wire transfer.
Key Takeaways
- Your routing number appears on the bottom left of any check you have from your Bank of America account.
- Bank of America has different routing numbers for different states, so you must use the one for the state where your account is held.
- You can find your routing number by calling Bank of America customer service, logging into online banking, or searching Bank of America's routing number list by state.
- The routing number is always nine digits and goes in a specific field on wire transfer forms — do not confuse it with your account number.
Why Bank of America has multiple routing numbers
The Federal Reserve assigns routing numbers to individual bank branches and processing centers, not to banks as a whole. Bank of America operates many branches across the country, and each region has its own routing number tied to the Federal Reserve district that serves it. This system lets the banking network sort wire transfers to the correct location automatically.
When you send a wire transfer, the routing number tells the receiving bank's computer which Bank of America facility to contact. If you use the wrong state's routing number, your wire may be delayed while the system reroutes it, or it may be rejected outright. That is why Bank of America publishes separate numbers for each state.
How to confirm you have the right routing number
Before you submit a wire transfer, double-check that your routing number matches your account location. If your account is in California, use the California routing number — not the one for New York or Texas, even if you live somewhere else now. The routing number is tied to where the account was opened and where it is maintained, not where you currently live.
If you are unsure which state your account belongs to, check your account paperwork or call Bank of America. They can tell you in seconds. It is much faster to verify now than to wait for a wire to be rejected or delayed.
Routing number versus account number
Do not mix up your routing number with your account number. The routing number identifies Bank of America and the specific branch or processing center. The account number identifies your individual account within that branch. A wire transfer form asks for both.
Your account number is usually 10 to 12 digits and also appears on the bottom of your checks — it comes after the routing number. When you fill out a wire transfer form, the routing number goes in one field and the account number in another. Swapping them will cause the transfer to fail.
Wire transfer forms and where the routing number goes
If you are sending a wire through Bank of America's website or mobile app, the system usually fills in the routing number for you once you select your account. You do not have to type it manually. But if you are filling out a paper wire transfer form or sending money through a third-party service, you will need to enter it by hand.
Wire transfer forms have a field labeled "Routing Number," "ABA Number," or "Bank Routing Number" — all three terms mean the same thing. Enter all nine digits with no spaces or dashes. If the form asks for a "SWIFT code" instead, that is different — SWIFT codes are used for international transfers and are not the same as a routing number.
What to do if you cannot find your routing number
If you have lost your checks and cannot log into online banking, call Bank of America customer service at 1-800-869-3557. Have your account number ready. They will confirm your account location and give you the correct routing number over the phone. The call usually takes less than five minutes.
You can also visit a Bank of America branch in person with a photo ID and ask a teller for your routing number. They will write it down for you or print a document with your account details. This is useful if you want to confirm the number face-to-face before sending a large wire transfer.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts?
No. Bank of America uses different routing numbers for different states. Your routing number depends on which state your account is held in. If you have accounts in multiple states, each one may have a different routing number.
Can I use any Bank of America routing number, or does it have to match my account?
It must match your account. Using the wrong state's routing number can cause your wire transfer to be delayed or rejected. Always use the routing number for the state where your account is held, not where you live.
What if I send a wire with the wrong routing number?
The wire may be rejected by the receiving bank, or it may be delayed while the system tries to reroute it. Contact Bank of America when ready if this happens. They can sometimes cancel the transfer and refund your money, but the faster you act, the better your chances.
Do I need a routing number to receive a wire transfer into my Bank of America account?
Yes. The person sending you money will need your Bank of America routing number and your account number. You can find both on a check or by calling customer service.
Is the routing number printed on my debit card?
No. Routing numbers appear only on checks and in online banking. Your debit card does not show it. If you need the number and do not have checks, log into your Bank of America account online or call customer service.