Bank of America's ABA number for domestic wires is 011000015

Bank of America uses the routing number 011000015 for wire transfers within the United States. This nine-digit code identifies Bank of America as the receiving institution when someone sends you money by wire, or when you send a wire to another bank. The number is the same whether the wire is incoming or outgoing — it does not change based on the direction of the transfer.

The routing number is different from your account number. Your account number identifies your specific account at Bank of America; the routing number identifies the bank itself. When you receive a wire, the sender's bank uses the routing number to find Bank of America's system, then uses your account number to deposit the funds into your account.

Bank of America has multiple routing numbers for different purposes — ACH transfers, checks, and other payment types each have their own code. The number 011000015 is specifically for wire transfers. Using the wrong routing number can delay a wire or send it to the wrong place.

Key Takeaways

  • Bank of America's wire transfer routing number is 011000015, and it works for both incoming and outgoing domestic wires.
  • The routing number identifies the bank; your account number identifies your specific account within that bank.
  • Bank of America has different routing numbers for ACH transfers and checks, so confirm you are using the wire routing number.
  • You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
  • International wires to Bank of America require a SWIFT code (BOFAUS3N) in addition to or instead of the routing number, depending on the sending bank's requirements.

Where to find the routing number on your own

The easiest place to locate Bank of America's routing number is on a check from your account. Look at the bottom left corner of the check — you will see three sets of numbers separated by colons or special symbols. The first set of nine digits is the routing number. If you do not have checks, you can find it in your Bank of America online banking account under account details or settings.

Bank of America's website also lists routing numbers by state and account type. Because Bank of America operates across all 50 states, some branches may have different routing numbers depending on where the account was opened. The number 011000015 is the primary routing number used for most wire transfers, but if you opened your account at a specific state branch, you can verify the correct number on the Bank of America website or by calling customer service at 1-800-432-1000.

What information you need to send or receive a wire

To send a wire from your Bank of America account, you will need the recipient's bank name, routing number, account number, and account holder name. You will also need to specify the amount and provide a reference or description of the wire if you want one. Bank of America allows you to send domestic wires through online banking, mobile app, or by visiting a branch.

To receive a wire at Bank of America, you provide the sender with your Bank of America routing number (011000015), your account number, your full name as it appears on the account, and your account type (checking or savings). The sender's bank will use this information to route the funds to your account. Make sure the name you provide matches your account exactly — wires can be rejected or delayed if the names do not match.

Domestic wires versus international wires

Domestic wires within the United States use the routing number 011000015. International wires to a Bank of America account use a different identifier called a SWIFT code. Bank of America's SWIFT code is BOFAUS3N. Some international senders may ask for both the SWIFT code and the routing number, while others may ask for only the SWIFT code — it depends on the sending bank's system.

If you are receiving an international wire, provide the sender with your Bank of America SWIFT code, your account number, your full name, and your account type. You may also need to provide your bank's address (which is listed on Bank of America statements) or a specific Bank of America branch address. Ask the sender's bank what information they need before you provide it, because requirements vary by country and sending institution.

Common mistakes when providing wire information

The most common error is providing the wrong routing number. Bank of America has multiple routing numbers, and using one meant for ACH transfers or checks will cause a wire to fail or be delayed. Always confirm you are using 011000015 for wire transfers specifically.

Another frequent mistake is a mismatch between the name on the wire and the name on the account. If you go by a nickname but your account is registered under your full legal name, the wire may be rejected. The name must match exactly as it appears on your account. If you are unsure, check your Bank of America statements or online account profile to see how your name is registered.

Providing an incomplete or incorrect account number also causes problems. Double-check your account number before sharing it, and make sure you are giving the right account if you have multiple accounts at Bank of America. Some people accidentally provide a credit card number or savings account number when they meant to provide a checking account number.

How long a wire takes to arrive

Domestic wires sent through Bank of America typically arrive the same business day if sent before the cutoff time, which is usually 2 p.m. Eastern Time on weekdays. Wires sent after the cutoff or on weekends and holidays are processed the next business day. The receiving bank may take an additional business day to post the funds to the recipient's account, so a wire can take one to two business days from send to receipt.

International wires take longer — usually three to five business days depending on the receiving country and bank. The exact timing depends on whether the receiving bank is a direct correspondent of Bank of America or whether the wire must pass through intermediary banks. You can ask Bank of America for an estimate when you send the wire.

Frequently Asked Questions

Is 011000015 the same routing number for all Bank of America customers?

011000015 is the primary routing number for most Bank of America wire transfers nationwide. However, some accounts opened at specific state branches may have a different routing number. Check your checks or online account to confirm, or call Bank of America at 1-800-432-1000 to verify the correct number for your account.

What happens if I use the wrong routing number?

The wire may be rejected by the receiving bank, returned to the sender, or delayed while the banks sort out the discrepancy. If you realize you used the wrong number after sending a wire, contact Bank of America when ready to see if the wire can be recalled or redirected.

Do I need both the routing number and account number to receive a wire?

Yes. The routing number tells the sender's bank where to send the money (Bank of America), and the account number tells Bank of America which account to deposit it into. Without both, the wire cannot be completed.

Can I send a wire through Bank of America's mobile app?

Yes. Bank of America's mobile app allows you to send domestic wires if your account is set up for wire transfers. You will need the recipient's routing number, account number, name, and bank name. Some accounts may have restrictions or require you to set up the recipient as a payee first.

What is the difference between a routing number and a SWIFT code?

A routing number identifies a specific bank within the United States and is used for domestic transfers. A SWIFT code identifies a bank internationally and is used for wires crossing borders. Bank of America's SWIFT code is BOFAUS3N and is required for international wire transfers.