Bank of America's ABA number for wire transfers is 026009593
Bank of America uses the ABA routing number 026009593 for domestic wire transfers sent through the Federal Reserve system. This nine-digit number identifies Bank of America as the receiving institution when someone sends you money by wire. The number is the same whether the wire is coming from another bank or from within Bank of America itself.
The ABA number differs from your account number. Your account number is unique to your specific deposit account; the ABA number routes the wire to Bank of America's processing center, and then Bank of America's internal systems direct it to your account based on the account number you provide. Both pieces of information are required for a wire to reach you.
Bank of America has multiple ABA numbers depending on the state where your account is held and the type of transfer. The number 026009593 is the primary routing number used for most consumer and business wire transfers. If you are wiring money internationally, you may need a different code called a SWIFT code instead of an ABA number.
Key Takeaways
- Bank of America's standard ABA routing number for wire transfers is 026009593, which directs wires to the bank's Federal Reserve processing center.
- You must provide both the ABA number and your account number for a wire transfer to reach your Bank of America account.
- You can find your account number on your debit card, checks, or by logging into your Bank of America online account.
- International wire transfers require a SWIFT code (BOFAUS3N for Bank of America) rather than an ABA number.
- Bank of America's customer service can confirm the correct routing number for your specific account if you are uncertain.
Where to find your account number to pair with the ABA number
Your Bank of America account number appears on the bottom left of your checks, printed after the routing number. If you do not have checks, you can find it by logging into your Bank of America online account or mobile app, where it displays under account details. You can also call Bank of America at 1-800-432-1000 and provide your Social Security number and account information to confirm your account number.
When you give someone your information for a wire transfer, provide the ABA number 026009593 and your full account number. Some wire transfer forms ask for the account holder's name as well. Double-check that the person sending the wire has written down your account number correctly, because a single digit wrong will send the money to a different account.
When Bank of America uses different routing numbers
Bank of America maintains different ABA routing numbers for different purposes and regions. The number 026009593 is used for most wire transfers, but some older accounts or accounts opened in specific states may have been assigned a different routing number. If you opened your account many years ago, your checks or statements might show a different number.
The safest approach is to confirm the routing number with Bank of America directly rather than relying on an old check or statement. Call 1-800-432-1000, log into your online account, or visit a Bank of America branch and ask for the wire transfer routing number for your specific account. Bank of America will provide the correct number in seconds.
International wire transfers and SWIFT codes
If someone outside the United States is sending you money, they will need Bank of America's SWIFT code instead of the ABA number. Bank of America's SWIFT code is BOFAUS3N. SWIFT codes are used by international banks to route money across borders, while ABA numbers work only within the U.S. Federal Reserve system.
International wires also require your account number and may ask for your full address. The sender's bank will guide them through what information is needed. International wire transfers typically take three to five business days and may include currency conversion fees charged by both the sending bank and Bank of America.
What happens after you provide the ABA number
Once the sender submits the wire with your ABA number and account number, the sending bank transmits the funds through the Federal Reserve's wire transfer system. The Federal Reserve uses the ABA number to route the wire to Bank of America's processing center. Bank of America then matches your account number to your specific account and deposits the funds.
Wire transfers typically arrive within one business day if sent before the bank's cutoff time, usually 2 p.m. or 3 p.m. in the sender's time zone. If the wire is sent after the cutoff, it may not arrive until the next business day. Bank of America will send you a notification when the wire is received, either by email or through your online account, depending on your notification settings.
Confirming the ABA number before a large transfer
If you are receiving a large wire transfer, it is worth confirming the routing number with Bank of America before the sender submits the wire. Call 1-800-432-1000 and ask a representative to confirm that 026009593 is the correct ABA number for wire transfers to your account. This takes two minutes and eliminates the risk of the wire being sent to the wrong bank or account.
Some employers and government agencies send large payments by wire, such as payroll or tax refunds. If you have provided your banking information to an employer or agency and want to verify they have the correct routing number, you can ask them directly or confirm it with Bank of America yourself. A mismatch in the routing number is rare but can delay payment by several days while the wire is traced and corrected.
Frequently Asked Questions
Is the ABA number 026009593 the same for all Bank of America customers?
The number 026009593 is Bank of America's primary wire transfer routing number and works for most customers. However, some accounts opened in specific states or many years ago may have a different routing number. Contact Bank of America to confirm the routing number for your account if you are unsure.
Do I need the ABA number if I am sending money out of my Bank of America account?
No. You need the ABA number only when someone is sending you money by wire. If you are sending money out, you will need the ABA number of the bank where the recipient's account is held. Bank of America will ask you for the recipient's bank's ABA number and the recipient's account number.
What if a wire transfer is sent to the wrong account number by mistake?
Contact Bank of America when ready if you receive a wire that was not intended for you. Bank of America can attempt to trace the wire and return it to the sender's bank. The process can take several days. If you sent a wire to the wrong account, contact your bank right away; they can sometimes recall the wire if it has not yet been accepted by the receiving bank.
Can I use the ABA number to set up automatic payments or direct deposit?
Yes. Employers and billers use the ABA number and account number to set up direct deposit and automatic bill payments. The routing number 026009593 works for these purposes as well as wire transfers. Provide both the routing number and your account number when setting up automatic payments.
What is the difference between an ABA number and a SWIFT code?
An ABA number routes money within the United States through the Federal Reserve system. A SWIFT code routes money internationally between banks in different countries. Bank of America's SWIFT code is BOFAUS3N. Use the ABA number for domestic wires and the SWIFT code for international wires.