Your Bank of America transit number is a nine-digit code that identifies your specific branch
The transit number (also called a routing number) tells the receiving bank which Bank of America location holds your account. It is different from your account number. When you send a wire transfer, you need both: the transit number identifies the bank and branch, and the account number identifies you within that branch.
Bank of America uses different transit numbers depending on which state your account is held in. The most common transit number for Bank of America accounts is 026009593, but yours may differ. Using the wrong transit number can delay your wire or send it to the wrong place entirely.
Key Takeaways
- Your Bank of America transit number is a nine-digit code printed on the bottom left of your checks, before your account number.
- The transit number varies by state and branch, so check your actual checks or Bank of America statements rather than assuming a number you find online.
- You can also find your transit number by calling Bank of America at 1-800-432-1000 or logging into your online banking account.
- For wire transfers, you will need both your transit number and your full account number, plus the recipient's bank and account details.
How to locate the transit number on your checks
Open your checkbook and look at the bottom left corner of any check. You will see a series of numbers printed in a special magnetic ink format. The first nine digits are your transit number. After those nine digits comes your account number, which is longer.
The format looks like this: [9-digit transit number] [account number]. The transit number always comes first and is always nine digits. If you do not have checks, you can still find this number through other methods.
Finding your transit number online or by phone
Log into your Bank of America online banking account or mobile app. Go to your account details or settings section — the exact location varies depending on which version of the app you use. Your routing number (transit number) is usually listed under account information or account details.
If you prefer to call, contact Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can confirm your transit number in less than a minute. This is the most reliable way to verify the correct number if you are unsure.
Why the transit number matters for wire transfers
When you initiate a wire transfer, the sending bank uses your transit number to route the money to the correct Bank of America branch. If the transit number is wrong, the wire may be rejected, delayed, or sent to a different financial institution entirely. Some wires cannot be recovered once sent to the wrong place.
The transit number is not sensitive information — it is printed on every check you write and is the same for all customers at your branch. You can safely share it with anyone who needs to send you money. Your account number and personal information are what you should keep private.
Common mistakes when providing your transit number
The most common error is confusing your transit number with your account number. Your account number is much longer (typically 10 to 12 digits) and comes after the transit number on your checks. Providing only your account number will not work for a wire transfer.
Another mistake is using a transit number you found online without checking your own checks or account. Bank of America has multiple transit numbers depending on location, and using the wrong one for your specific branch can cause problems. Always verify against your own documents first.
Some people also mix up their transit number with their bank's main routing number. While Bank of America's primary routing number is 026009593, your branch may use a different one. When in doubt, call Bank of America directly rather than guessing.
What information you need to send a wire transfer
To send a wire from Bank of America, you will need to provide your own transit number and account number, plus the recipient's information. For the recipient, you need their bank name, their bank's transit number, their account number, and their full name as it appears on their account.
Some wire transfers also require a SWIFT code if the money is going to a bank outside the United States. Your Bank of America branch can tell you whether you need this code for your specific transfer. You can initiate wires through online banking, mobile app, or by visiting a branch in person.
Frequently Asked Questions
Is the transit number the same as the routing number?
Yes, the terms are used interchangeably. Transit number and routing number refer to the same nine-digit code. Bank of America may use either term in their materials, but they mean the same thing.
Can I use the same transit number for all my Bank of America accounts?
Not necessarily. If you have accounts at different Bank of America branches in different states, they may have different transit numbers. Check each account's checks or statements to confirm. If all your accounts are at the same branch, they will share the same transit number.
What happens if I give someone the wrong transit number for a wire?
The wire may be rejected by the receiving bank, or it could be sent to a different financial institution. If the money reaches the wrong place, contact Bank of America when ready. Some wires can be recalled, but not all, and recovery can take weeks.
Do I need my transit number to receive a wire transfer?
Yes. The person sending you money will need your transit number along with your account number and full name. Provide all three pieces of information to may support the wire reaches your account correctly.
Where else might I see my transit number listed?
Your transit number appears on bank statements, deposit slips, and any official Bank of America correspondence about your account. It is also visible in your online banking profile under account details.