Bank of America's ACH routing number depends on which state your account is in
Bank of America uses different routing numbers for ACH transfers than it does for wire transfers, and the ACH number varies by state. If you are sending or receiving an ACH transfer through Bank of America, you need the routing number that matches the state where your account is held, not the state where the recipient lives.
The most common Bank of America ACH routing number is 021000021, which covers accounts in most states including California, Texas, Florida, New York, and Illinois. However, some states have their own routing numbers. For example, Connecticut uses 021001088, and Iowa uses 021000248. If you use the wrong routing number, the transfer may be delayed or rejected entirely.
The fastest way to find your exact routing number is to log into your Bank of America online account or mobile app, look at a check you have from that account, or call Bank of America directly at 1-800-432-1000. The routing number appears in the lower left corner of a check, printed as a nine-digit number before your account number.
Key Takeaways
- Bank of America's standard ACH routing number is 021000021 for most states, but some states have different numbers based on where your account is located.
- You can find your routing number by checking a blank check, logging into your online account, or calling Bank of America customer service.
- The routing number for ACH transfers is different from the routing number used for wire transfers, so do not mix them up.
- If you enter the wrong routing number, the transfer may fail or be delayed by several business days.
- You only need to provide your routing number and account number to send or receive an ACH transfer; you do not need to provide any other banking details.
Where to locate the routing number on your check
If you have a blank check from your Bank of America account, the routing number is printed in the lower left corner. It is the first set of nine digits, followed by your account number and then the check number on the right side. The routing number is always nine digits long and contains only numbers, no letters.
Make sure you are looking at a check from the account you plan to use for the ACH transfer. If you have multiple Bank of America accounts in different states, each one may have a different routing number. Checks from a savings account and a checking account at the same branch will have the same routing number, since the routing number is tied to the account location, not the account type.
How to find your routing number online or by phone
Log into your Bank of America account through the website or mobile app and look for account details or account information. The routing number is usually listed alongside your account number. You can also navigate to the settings or profile section, where banking details are often grouped together.
If you do not have access to your online account or do not have a check, call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can tell you your routing number in less than a minute and can also confirm whether your account is in a state that uses a non-standard routing number.
State-specific routing numbers for Bank of America ACH transfers
Most Bank of America accounts use 021000021, but the following states have different routing numbers for ACH transfers:
| State | ACH Routing Number |
|---|---|
| Connecticut | 021001088 |
| Iowa | 021000248 |
| Maine | 011001234 |
| Massachusetts | 011000138 |
| New Hampshire | 011000138 |
| Rhode Island | 011000138 |
| Vermont | 011000138 |
If your account is in one of these states, you must use the state-specific routing number for ACH transfers. Using the standard 021000021 number may cause the transfer to fail. When in doubt, verify your routing number with Bank of America directly rather than guessing based on your state.
ACH routing number versus wire transfer routing number
Bank of America uses the same routing numbers for both ACH transfers and wire transfers in most cases, but you should always confirm which number applies to your specific transfer type. Some financial institutions maintain separate routing numbers for ACH and wire transfers, so it is worth double-checking with Bank of America if you are unsure.
When you initiate a transfer through Bank of America's website or app, the system usually prompts you to select whether you are sending an ACH transfer or a wire transfer. The platform will guide you to enter the correct routing number for that transfer type. If you are sending money from another bank to a Bank of America account, the sending bank will tell you which routing number to use.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the transfer may be rejected outright, or it may be sent to the wrong financial institution. In some cases, the receiving bank will reject the transfer and send it back to the originating bank, which can take three to five business days. During that time, your money is in limbo and you cannot access it.
If the routing number belongs to a real bank but the account number does not match, the receiving bank may hold the funds while they investigate. You may need to contact both your bank and the receiving bank to retrieve the money. To avoid this problem, always verify the routing number before you submit the transfer, especially if you are sending a large amount.
Frequently Asked Questions
Is the ACH routing number the same as the wire transfer routing number?
For most Bank of America accounts, yes — the same routing number works for both ACH and wire transfers. However, some banks maintain separate routing numbers for each transfer type. When you initiate a transfer through Bank of America, the system will prompt you to choose the transfer type and will show you the correct routing number to use.
Can I use the same routing number for all my Bank of America accounts?
Only if all your accounts are in the same state. If you have accounts in different states, each account may have a different routing number. Check each account individually or call Bank of America to confirm the routing number for each account you plan to use.
What if my check shows a different routing number than what Bank of America told me?
Use the routing number from your check or from your online account — that is the number tied to your specific account. If there is a discrepancy, contact Bank of America to clarify. Do not assume the numbers are interchangeable.
Do I need a routing number to receive an ACH transfer into my Bank of America account?
Yes. The person or organization sending you money will need your Bank of America routing number and your account number. Provide both pieces of information together so the transfer reaches the correct account.
What if I cannot find my routing number anywhere?
Call Bank of America at 1-800-432-1000 with your account number ready. A representative can provide your routing number when ready and can also confirm whether your account is in a state that uses a non-standard number.