Bank of America's ABA routing number depends on which state your account is in
Bank of America does not use a single routing number for all customers. The ABA routing number — the nine-digit code that identifies your bank to other financial institutions — changes based on the state where your account was opened or is maintained. When you send a wire transfer, you must use the routing number that matches your account's home state, not the state where you currently live.
The most commonly used Bank of America routing number is 021000021, which covers accounts opened in California and most other states. However, if your account is registered in New York, the routing number is 021202337. If you use the wrong number, your wire may be delayed or rejected entirely, so confirming your specific routing number before sending money is essential.
Key Takeaways
- Bank of America routing numbers vary by state, with 021000021 covering most states and 021202337 for New York accounts.
- You can find your routing number on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America customer service.
- The routing number identifies your specific Bank of America branch location to the receiving bank during a wire transfer.
- Using an incorrect routing number will not send money to the wrong person, but it may cause your wire to be rejected or delayed by hours or days.
Where to locate your routing number on a check
If you have a Bank of America checkbook, your routing number appears in the bottom left corner of every check. It is the first set of nine digits, printed in a special magnetic ink. The second set of nine digits is your account number, and the third set is the check number itself.
This method works only if your checks are current and were printed by Bank of America. If your checks are old, damaged, or from a different bank (such as a credit union or regional bank that merged with Bank of America), the routing number may not be accurate for your current account.
Finding your routing number in online banking
Log into your Bank of America online account or mobile app and navigate to the account details or account information section. The routing number is usually listed alongside your account number and is sometimes labeled as "ABA routing number" or "transit number." This method is the most reliable because it pulls the number directly from your current account record.
If you cannot find it in the obvious places, try searching the help section or FAQ within the app for "routing number." Bank of America's online interface changes periodically, so the exact location may vary depending on when your account was created or last updated.
Calling Bank of America to confirm your routing number
You can reach Bank of America customer service at 1-800-432-1000 for personal accounts or 1-800-933-6262 for business accounts. Have your account number ready when you call. A representative can confirm your routing number in under a minute and can also verify whether you need a different routing number for your specific wire transfer situation.
This is the safest option if you are uncertain about which number to use or if you have moved states since opening your account. Customer service can also tell you if your account has any restrictions on outgoing wire transfers or if there are fees involved.
Understanding why routing numbers matter for wire transfers
The routing number tells the Federal Reserve and the receiving bank which Bank of America location processes your account. During a wire transfer, the sending bank uses this number to route your payment through the banking system to the correct receiving institution. Without the correct routing number, the receiving bank cannot match the incoming wire to the right account.
Wire transfers are not reversible once sent, so using the correct routing number is critical. If you send money to the wrong routing number, the wire may bounce back to you after several days, or it may be held in a suspense account while the receiving bank tries to locate the intended recipient. This is why confirming both the routing number and the recipient's account number before sending is standard practice.
Bank of America routing numbers by state
| State or Region | ABA Routing Number |
|---|---|
| California and most other states | 021000021 |
| New York | 021202337 |
| Connecticut | 021101108 |
| Florida | 021202337 |
| Illinois | 071101307 |
| Texas | 111000025 |
This table covers the most common Bank of America routing numbers, but additional numbers exist for other states and for specific account types. If your state is not listed, use the online banking method or call customer service to confirm your routing number. Bank of America maintains a complete routing number directory on its website under the customer service section.
Common mistakes when using your routing number
The most frequent error is confusing your routing number with your account number. Your account number is unique to you; your routing number is shared by all Bank of America customers in your state. If you accidentally reverse these numbers or transpose digits, the wire will not reach the intended recipient.
Another mistake is using an old routing number from a previous bank that merged with Bank of America. If you transferred accounts during a merger, your routing number may have changed. Always verify your current routing number through online banking or by calling customer service rather than relying on memory or old documents.
Frequently Asked Questions
What happens if I use the wrong routing number?
Your wire will likely be rejected by the receiving bank, and the funds will be returned to your Bank of America account after one to three business days. In rare cases, a wire sent to an incorrect routing number may be held in a suspense account while the bank investigates. Contact Bank of America when ready if your wire does not arrive as expected.
Do I need a different routing number for international wire transfers?
No. You use the same ABA routing number for domestic wire transfers. For international wires, the receiving bank may also ask for Bank of America's SWIFT code, which is BOFAUS3N. Your Bank of America representative can provide additional details about international wire requirements.
Is the routing number the same for checking and savings accounts?
Yes. All Bank of America accounts in the same state share the same routing number, regardless of account type. The routing number identifies the bank and state, not the individual account.
Can I find my routing number on a Bank of America debit card?
No. Debit cards do not display routing numbers. Use your checks, online banking, or call customer service instead.
Do I need to provide my routing number to receive a wire transfer?
Yes. Anyone sending you money via wire transfer will need your routing number and your account number. Never share your account number with someone you do not trust, but routing numbers are safe to share because they do not grant access to your funds.