Bank of America routing numbers depend on where your account is and what you're doing with it
Bank of America does not have a single routing number. The bank operates different routing numbers by state and by transaction type — ACH transfers use different numbers than wire transfers, and a routing number that works in California may not work in New York. When you need a routing number, you are looking for the one that matches your specific account location and the kind of payment you are making.
The most common routing number people need is for ACH transfers — the system used for direct deposit, bill pay, and peer-to-peer transfers. Bank of America's ACH routing number varies by state. If your account is in California, for example, the ACH routing number is 121000248. If it is in New York, it is 021000033. If you use the wrong number, your transfer may be delayed, rejected, or sent to the wrong place.
Wire transfers — faster but less common — use a different set of routing numbers. Bank of America's domestic wire routing number is 026009593 for most states, but some regions have their own. International wire transfers use yet another number. Using the wrong routing number for a wire can mean your money goes to the wrong bank or gets stuck in processing for days.
Key Takeaways
- Bank of America routing numbers are different for ACH transfers and wire transfers, so you must know which type of payment you are making before you look up the number.
- ACH routing numbers vary by state, so a routing number that works in one state may not work in another.
- Your account statement, the Bank of America website, or a call to customer service will show you the correct routing number for your account and transaction type.
- Using the wrong routing number can delay your payment or send it to the wrong bank, so double-check before you submit.
How to find your routing number on your account statement
The fastest way to find your routing number is to look at a check from your Bank of America checking account. The routing number is the first nine digits printed at the bottom left of the check, before your account number. If you do not have a check, your most recent bank statement will also show your routing number — usually in the account information section or near the account number.
The routing number on your statement is the one tied to your specific account and location. This is the safest number to use because it is may provide to match your account. If you are setting up direct deposit with an employer or receiving a government payment, use the number from your statement or ask your bank to confirm it.
ACH routing numbers by state
ACH transfers — the most common type for payroll, bill pay, and peer transfers — use state-specific routing numbers. Below are the main routing numbers Bank of America uses for ACH transfers by region:
| Region | ACH Routing Number |
|---|---|
| Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia | 061000104 |
| Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont | 021000033 |
| Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin | 071000013 |
| Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming | 121000248 |
| Puerto Rico, US Virgin Islands | 011000015 |
If your account is in one of these regions, use the routing number listed. If you are unsure which region your account belongs to, check your statement or call Bank of America at 1-800-432-1000 to confirm.
Wire transfer routing numbers
Wire transfers move money faster than ACH but require a different routing number. Bank of America's domestic wire routing number is 026009593 for most accounts. However, some older accounts or accounts in certain regions may use 026000045. If you are sending a wire transfer, confirm the routing number with your bank before you submit, because wires cannot be easily reversed once they leave your account.
International wire transfers use the SWIFT code BOFAUS3N, not a routing number. If you are sending money outside the United States, your bank will ask for a SWIFT code instead. Do not confuse the two — using a routing number for an international wire will cause the transfer to fail.
What happens if you use the wrong routing number
If you use an incorrect routing number, the transfer may be rejected outright, delayed for several business days while the bank tries to sort it out, or sent to a different Bank of America branch or another bank entirely. ACH transfers that go to the wrong place can take one to three weeks to be returned to your account. Wire transfers that go to the wrong bank are harder to recover and may require the receiving bank's cooperation to trace and reverse.
If you realize you used the wrong routing number after submitting a payment, contact your bank immediately. For ACH transfers, you may be able to cancel the transaction if it has not yet been processed — usually within one business day. For wire transfers, call Bank of America right away; the bank can sometimes stop a wire before it reaches the receiving bank, but this is not may provide.
When you need to give your routing number to someone else
You will need to provide your Bank of America routing number when setting up direct deposit with an employer, receiving government payments like tax refunds or Social Security, or authorizing another person or business to withdraw money from your account. In all these cases, use the routing number from your statement or the ACH routing number for your state.
Never give your routing number to someone you do not trust. While a routing number alone cannot be used to withdraw money from your account — the person also needs your account number — it is still sensitive information. Scammers sometimes use routing numbers as part of a larger fraud scheme. If someone calls or emails asking for your routing number unsolicited, hang up or delete the message and contact your bank directly using the number on your statement.
Frequently Asked Questions
Can I use the same routing number for direct deposit and bill pay?
Yes, if both are ACH transfers. Direct deposit and bill pay both use the ACH system, so they use the same routing number — the one for your state. Wire transfers are different and require a separate routing number.
What if my Bank of America account is in one state but I moved to another?
Your routing number stays the same and is based on where your account was opened, not where you live now. You do not need to change anything. If you want to confirm your routing number, check your statement or call the bank.
Is the routing number the same for savings and checking accounts?
Yes. Both checking and savings accounts at Bank of America use the same ACH routing number for your state. The account number is different, but the routing number is the same.
What if I have a Bank of America business account?
Business accounts use the same routing numbers as personal accounts — they are based on state and transaction type, not account type. Check your business account statement for the correct routing number.
Can I look up someone else's routing number?
No. You can only see your own routing number on your statement or checks. If you need to send money to someone, ask them for their routing number and account number directly. Do not try to guess or look it up.