Bank of America routing numbers depend on where you opened your account and which service you're using
Bank of America uses different routing numbers for different regions and transaction types. The routing number you need for a wire transfer is not the same as the one printed on your checks. When you send a wire, you must use the correct routing number or the transfer will be delayed or sent to the wrong bank.
Bank of America's main routing number for domestic wire transfers is 021000021. However, if your account was opened at a Bank of America branch in a specific state, you may have a different routing number. The safest way to confirm which number applies to your account is to call Bank of America directly or log into your online banking portal.
The routing number printed on the bottom left of your checks is for check processing, not wire transfers. Using the check routing number for a wire will cause the transfer to fail or be rejected by the receiving bank.
Key Takeaways
- Bank of America's primary domestic wire transfer routing number is 021000021, but your account may use a different number based on your account location.
- The routing number on your checks is not the same as your wire transfer routing number and should not be used for wires.
- You can find your correct wire routing number by calling Bank of America at 1-800-432-1000, checking your account statements, or logging into your online banking account.
- International wire transfers to Bank of America accounts use a different code called a SWIFT code (BOFAUS3N) rather than a routing number.
How to find your routing number through Bank of America online banking
Log into your Bank of America account on their website or mobile app. Go to the account details or account information section. Some accounts display the routing number directly on the account summary page. If you do not see it there, look for a section labeled "Wire Transfer Instructions" or "Account Details."
Bank of America also provides routing information in the "Transfer Funds" or "Send Money" section of their online banking platform. When you initiate a wire transfer, the system will show you the routing number that applies to your specific account. Write down the number shown in that section — that is the correct one for your wire.
Calling Bank of America to confirm your routing number
Call Bank of America's customer service line at 1-800-432-1000. Tell the representative you need your wire transfer routing number. Have your account number ready. The representative will confirm the correct routing number for your account based on where it was opened and what type of account you have.
This is the most reliable method if you are unsure or if you have an older account that may use a regional routing number. The call takes a few minutes and eliminates the risk of using the wrong number.
Regional routing numbers for Bank of America accounts
Bank of America maintains routing numbers for different states and regions. If your account was opened before Bank of America's major branch consolidations, your account may still be tied to a regional routing number. These older accounts may use numbers like 026009593 (California), 051000017 (New York), or 061000052 (Illinois).
The best way to know whether your account uses a regional number is to check your account statements or call the bank. Do not guess or use a number you find online without confirming it matches your account. A wire sent to the wrong routing number may be returned or delayed by several days.
Wire transfer routing number versus other routing numbers
Bank of America uses different routing numbers for different purposes. The number on your checks is for check clearing and automatic payments. The number for wire transfers is separate. The number for ACH transfers (like direct deposit) may also differ. Using the wrong routing number for the wrong transaction type causes delays.
When you send a wire transfer, the receiving bank uses the routing number to identify which Bank of America location holds your account. If the number is incorrect, the receiving bank cannot find your account and will reject the transfer or send it back to Bank of America.
International wire transfers to Bank of America
If someone outside the United States is sending you money to your Bank of America account, they will need a SWIFT code, not a routing number. Bank of America's SWIFT code is BOFAUS3N. They will also need your full account number and your full name as it appears on the account.
International wires use SWIFT codes to route money between countries. The SWIFT code tells the sending bank's international department which U.S. bank to contact. Routing numbers only work for domestic transfers within the United States.
Common mistakes when providing your routing number
The most common mistake is providing the routing number from your checks instead of your wire transfer routing number. Another mistake is transposing digits when writing down or typing the number. Always double-check the number before you give it to someone or enter it into a wire transfer form.
If you are receiving a wire, provide the routing number that Bank of America gives you, not a number you found on a website. Scammers sometimes post incorrect routing numbers online to intercept transfers. When in doubt, call Bank of America directly to confirm.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America accounts?
021000021 is Bank of America's primary domestic wire transfer routing number, but some accounts use regional routing numbers depending on where the account was opened. Call Bank of America or check your online banking account to confirm which number applies to your specific account.
Can I use the routing number from my checks for a wire transfer?
No. The routing number on your checks is for check processing and automatic payments, not wire transfers. Using it for a wire will cause the transfer to fail or be rejected. Always use the wire transfer routing number provided by Bank of America for your account.
What do I do if my wire transfer was sent to the wrong routing number?
Contact Bank of America when ready and provide them with the wire transfer details, including the amount and the date sent. The bank can attempt to recall the transfer or redirect it to the correct account. The sooner you report the error, the better the chance of recovery.
Do I need a different routing number for international wire transfers?
International wire transfers do not use routing numbers. Instead, use Bank of America's SWIFT code: BOFAUS3N. You will also need your full account number and the name on your account exactly as it appears in Bank of America's records.
Where can I find my routing number if I do not have online banking?
Call Bank of America at 1-800-432-1000 with your account number ready. A representative will provide your wire transfer routing number. You can also visit a Bank of America branch in person and ask a teller for your wire transfer routing number.