Bank of America routing numbers depend on which state your account was opened in
Bank of America does not have a single routing number for all accounts. The number you need depends on the state where your branch is located, not where you live now. If you opened your account in California, your routing number will be different from someone who opened theirs in Texas, even if you both bank with Bank of America today.
The routing number is a nine-digit code that tells the banking system which financial institution and which regional processing center should handle your transaction. When you send money via ACH (Automated Clearing House), wire transfer, or direct deposit, the routing number is what directs that money to the correct Bank of America location.
You do not need to guess or search online for a list. Bank of America prints your routing number on the bottom left of every check you receive. If you do not have checks, you can find it through your online banking account or by calling Bank of America directly.
Key Takeaways
- Your routing number is printed on the bottom left corner of your checks, before your account number.
- Bank of America routing numbers vary by state, so the number for a California account differs from a New York account.
- You can find your routing number by logging into your Bank of America online account under account details or by calling customer service at 1-800-432-1000.
- The same routing number works for ACH transfers, wire transfers, and direct deposit setup.
- If you have multiple accounts at Bank of America, they may share the same routing number if they were opened in the same state.
Finding your routing number on a check
The easiest way to locate your routing number is to look at a check from your Bank of America account. At the bottom of the check, you will see three groups of numbers separated by vertical lines. The first group of nine digits is your routing number. The second group is your account number, and the third is the check number.
If you have not ordered checks yet or your checks are not in front of you, this method will not work immediately. But if you have even one check, write down that nine-digit number and keep it somewhere safe—you will use it repeatedly for bill payments, direct deposit setup, and money transfers.
Finding your routing number through online banking
Log into your Bank of America account on their website or mobile app. Navigate to the account details or account information section, which is usually found under settings or account management. Bank of America displays your routing number alongside your account number in this section.
The exact path varies slightly between the website and the mobile app, but both show this information clearly once you are in the account details area. If you cannot locate it, the help section within the app or website can direct you to the right page in seconds.
Calling Bank of America customer service
You can reach Bank of America customer service at 1-800-432-1000. Have your account number or the phone number associated with your account ready when you call. A representative can confirm your routing number over the phone and answer questions about which number to use for specific types of transactions.
Wait times vary depending on the time of day and day of the week. Early morning on weekdays typically has shorter hold times than evenings or weekends. If you are calling from outside the United States, Bank of America has international phone numbers listed on their website.
Understanding routing numbers for different transaction types
The same routing number works for most transaction types: ACH transfers, wire transfers, direct deposit, and bill payments. You do not need different numbers for different purposes. However, some employers or billers may ask you to specify whether you are providing a routing number for a checking or savings account—the routing number itself is the same, but the account type matters for processing.
If you have both a checking and savings account at Bank of America and they were opened in the same state, they share the same routing number. The account number is what distinguishes one from the other in the banking system.
What to do if you have moved or changed branches
Your routing number does not change when you move to a different state or switch to a different Bank of America branch. It is tied to the state where you originally opened the account, not your current location. If you opened your account in Florida and now live in Oregon, your routing number remains the Florida routing number.
This can matter if you are setting up direct deposit or automatic bill payments. Make sure you are using the routing number from your original account opening state, not the state where you currently live. If you are unsure which state your account was opened in, check your original account paperwork or ask a Bank of America representative.
Common mistakes when using your routing number
The most common error is confusing your routing number with your account number. Your account number is longer (usually 10 to 12 digits) and appears in the middle section at the bottom of your check. Your routing number is always nine digits and appears first. Mixing these up will cause a transaction to fail or go to the wrong account.
Another mistake is using an outdated routing number from an old account or from a different bank. If you recently switched to Bank of America from another bank, do not use your old routing number. Always verify you are using the current routing number for your Bank of America account.
Some people also assume all Bank of America accounts use the same routing number nationwide. This is false. Always confirm your specific routing number rather than using one you found online or heard from someone else, even if they also bank with Bank of America.
Frequently Asked Questions
Is my Bank of America routing number the same as everyone else's in my state?
No. While Bank of America uses specific routing numbers for each state, not everyone in that state has the same routing number. The routing number depends on which Bank of America processing center handles your account, which is determined by the state where you opened it. Two people in the same state may have different routing numbers if they opened their accounts in different states originally.
Can I use the same routing number for wire transfers and ACH payments?
Yes. Bank of America uses the same routing number for wire transfers, ACH transfers, direct deposit, and bill payments. You do not need to look up different numbers for different transaction types. The routing number stays the same; only the account number and transaction type change.
What happens if I give someone the wrong routing number?
The transaction will typically fail or be rejected by the banking system. If money is sent to the wrong routing number, it may end up at a different bank or be returned to the sender. Contact Bank of America immediately if you realize you provided an incorrect routing number, and ask the sender to resubmit with the correct one.
Do I need a different routing number for my savings account versus my checking account?
No. If both accounts were opened in the same state, they share the same routing number. The account number is what distinguishes your checking account from your savings account. When you provide your routing number and account number together, the system knows which account to use.
Where do I find my routing number if I bank online and have never received checks?
Log into your Bank of America online account and go to account details or account information. Your routing number is displayed there. You can also call 1-800-432-1000 and ask a representative to provide it over the phone.