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 or processing center handles your account. You need it to send money out of your account — whether by wire transfer, ACH payment, or direct deposit setup. Bank of America uses different routing numbers depending on which state your account was opened in, so the number you need depends on where your branch is located, not where you live now.
The fastest way to find it is to look at the bottom left corner of any check you have from that account. The first nine digits printed there are your routing number. If you do not have a check handy, you can also find it by logging into your Bank of America online account, calling customer service at 1-800-432-1000, or visiting a branch in person with your ID.
Bank of America's main routing numbers vary by state. For example, California accounts use 121000248, while New York accounts use 021000021. If you are unsure which state your account is tied to, the quickest route is to check a check or call the customer service number above — they can confirm the exact number in seconds.
Key Takeaways
- Your routing number is printed on the bottom left of any check from your account as the first nine digits.
- Bank of America routing numbers differ by state, so you need the one that matches where your account was opened.
- You can find your routing number by logging into your online account, calling 1-800-432-1000, or visiting a branch with your ID.
- Wire transfers and other outgoing payments require the correct routing number or the transaction will be delayed or rejected.
How to read your routing number on a check
At the bottom of every Bank of America check, three sets of numbers appear in order from left to right: the routing number, your account number, and the check number. The routing number is always the leftmost set and is always nine digits long. It sits in a box or is clearly separated from the other numbers by spacing.
If the numbers are hard to read because the check is old or worn, order a new box of checks from your Bank of America account online, by phone, or at a branch. A new box usually arrives within one to two weeks and costs between $10 and $25 depending on the style you choose.
Finding your routing number online or by phone
Log into your Bank of America account at bankofamerica.com and go to the account details or account information section. The routing number is usually listed under "Bank Information" or "Account Details." If you cannot find it there, the customer service team can provide it in one call.
To reach Bank of America customer service, call 1-800-432-1000 from a phone number associated with your account. Have your account number or Social Security number ready. A representative will confirm your identity and give you the routing number within a few minutes. This is the most reliable method if you are unsure whether you have the correct number for your state.
Why Bank of America has different routing numbers by state
Bank of America operates through different processing centers in different regions, and each center has its own routing number. When you opened your account, it was assigned to a specific processing center based on the state where you opened it. That routing number stays with your account even if you move to a different state later.
This setup means that if you opened your account in Texas but now live in Florida, you still use the Texas routing number for wire transfers and other outgoing payments. The banking system knows how to route your money correctly because the routing number tells it which processing center to contact first.
What happens if you use the wrong routing number
If you provide an incorrect routing number on a wire transfer or other outgoing payment, the transaction will either be rejected outright or sent to the wrong bank. If it is rejected, you will be notified and can resubmit with the correct number. If it reaches the wrong bank, that bank will usually reject it and send it back, which can take several business days.
To avoid delays, always double-check your routing number before you submit a wire transfer or set up a new direct deposit. If you are sending money to someone else's account, make sure they give you their routing number, not yours — you need your routing number only for payments leaving your own Bank of America account.
Routing number versus account number
Your routing number identifies your bank and the processing center that handles your account. Your account number identifies your specific account within that bank. Both are required for wire transfers and direct deposits, but they serve different purposes.
On a check, the routing number comes first (nine digits on the left), and the account number comes second (usually 10 to 12 digits in the middle). When someone asks for your "banking information" to send you money, they need both numbers. When you are sending money out, you need your routing number and the recipient's routing number and account number.
Frequently Asked Questions
Do all Bank of America accounts in the same state use the same routing number?
Yes. All Bank of America accounts opened in the same state share the same routing number, regardless of which branch you use or what type of account you have. The routing number is tied to the state where the account was opened, not to the individual branch.
What if I opened my account a long time ago and do not remember which state?
Call Bank of America customer service at 1-800-432-1000 or log into your online account and look for account details. Both will show you the routing number associated with your account. You can also visit any Bank of America branch with your ID and ask a representative to confirm it.
Can I use any Bank of America routing number, or does it have to match my account?
You must use the routing number that matches the state where your account was opened. Using a different Bank of America routing number will cause the transaction to fail or be sent to the wrong processing center, delaying your wire transfer or payment.
Is the routing number the same for checking and savings accounts?
Yes. Whether you have a checking account, savings account, or both, they share the same routing number if they were opened in the same state. The routing number identifies the bank and processing center, not the type of account.
Where do I find the routing number if I do not have checks?
Log into your Bank of America online account and look under account information or bank details. You can also call 1-800-432-1000 or visit a branch in person with your ID. All three methods will give you the correct nine-digit routing number in minutes.