Bank of America's domestic wire routing number is 021000021

Bank of America uses the routing number 021000021 for domestic wire transfers sent within the United States. This nine-digit code tells the Federal Reserve and other banks where to send money when you initiate a wire from your Bank of America account. You will need this number if you are sending a wire, but not if you are receiving one — the person sending you money needs their own bank's routing number instead.

The routing number is the same regardless of which Bank of America branch you use or which state you live in. Bank of America operates as a single entity for wire purposes, so there is no separate routing number for California, Texas, or any other location. This differs from some regional banks that maintain different routing numbers by branch or state.

Do not confuse the wire routing number with the ABA routing number you might see on a check or use for ACH transfers (automatic bill payments or direct deposits). Bank of America's ABA routing number varies by state and account type, but the wire routing number is always 021000021.

Key Takeaways

  • Bank of America's domestic wire routing number is 021000021, and it is the same for all customers and all states.
  • You need this routing number when you send a wire from Bank of America, but the person receiving your money needs their own bank's routing number.
  • The wire routing number is different from the ABA routing number printed on your checks or used for bill payments.
  • You can confirm this routing number through your Bank of America online banking portal, a phone call to customer service, or by visiting a branch in person.
  • International wires require a SWIFT code instead of a routing number; Bank of America's SWIFT code is BOFAUS3N.

Where to find the routing number when you initiate a wire

When you log into Bank of America online banking and select the option to send a domestic wire, the system will often pre-fill the routing number for you. You do not have to type it in manually — the bank's software handles it. If you are using the mobile app, the same applies: the routing number is built into the transfer process.

If you are calling Bank of America's wire transfer line or visiting a branch to send a wire in person, the bank representative will have the routing number on file and will not ask you to provide it. They will ask for the receiving bank's name and the recipient's account number, but your own routing number is internal to Bank of America's system.

The only time you might need to state or write down 021000021 yourself is if someone outside Bank of America is asking you where to send you a wire — for example, a payroll department at another company, a client who owes you money, or a family member sending funds from their own bank. In that case, you would give them Bank of America's routing number along with your account number and your name.

Confirming the routing number through Bank of America directly

If you want to verify the routing number before you send or receive a wire, you have three straightforward options. Log into your Bank of America online account, go to the wire transfer section, and the routing number will be displayed there. You can also call Bank of America's customer service line — the number is on the back of your debit card — and ask a representative to confirm it.

Visiting a Bank of America branch in person is another option. Any teller can tell you the domestic wire routing number in seconds. Some people prefer this route if they are already at the branch or if they want to send the wire in person with a representative's help.

The difference between wire routing numbers and other routing numbers

Bank of America maintains different routing numbers for different purposes, and using the wrong one will cause problems. The ABA routing number — the one printed on the bottom left of your checks — is used for ACH transfers like direct deposit, bill payments, and transfers between your own accounts at different banks. This number varies by state and sometimes by account type. For example, a Bank of America customer in California might have a different ABA routing number than one in New York.

The wire routing number (021000021) is used only for wire transfers and is the same nationwide. A wire is a faster, more direct transfer than ACH, and it uses a separate routing pathway through the Federal Reserve system.

If you are sending a wire and you accidentally use your ABA routing number instead of the wire routing number, the receiving bank will likely reject it or the funds will be delayed while the banks sort out the discrepancy. Always confirm which type of transfer you are making before you send money.

International wires require a different code

If you are sending money outside the United States, you cannot use the domestic wire routing number. Instead, you will need Bank of America's SWIFT code, which is BOFAUS3N. SWIFT codes are the international equivalent of routing numbers and are used by banks worldwide to identify each other.

International wires also typically require the recipient's IBAN (International Bank Account Number) or their bank's SWIFT code, depending on the country. Bank of America can provide guidance on what information you need for a specific country when you initiate an international wire through their system or by calling their international wire desk.

What happens after you provide the routing number

Once you send a domestic wire with Bank of America's routing number, the Federal Reserve routes the funds to the receiving bank using that nine-digit code. The receiving bank then uses the account number you provided to deposit the money into the correct account. The whole process typically takes one business day, though some banks credit funds the same day if the wire is sent early enough.

You will receive a confirmation number from Bank of America when your wire is sent. Keep this number in case you need to track the wire or dispute it later. If the receiving bank does not credit the funds within one business day, you can contact Bank of America with your confirmation number and they can investigate on your behalf.

Common mistakes when sending a wire

The most common error is providing the receiving bank's routing number instead of your own when someone asks where to send you money. Remember: you give them Bank of America's routing number (021000021) plus your account number. They use their own bank's routing number when they initiate the wire on their end.

Another frequent mistake is confusing the wire routing number with the ABA routing number. If you are setting up a wire through an outside service or a payroll system, double-check which type of routing number is being requested. Wire transfers and ACH transfers are different products and use different codes.

A third error is assuming the routing number changes by location. It does not. Whether you have a Bank of America account in Miami, Seattle, or anywhere else, the wire routing number is always 021000021.

Frequently Asked Questions

Do I need a different routing number if I have multiple Bank of America accounts?

No. All Bank of America accounts use the same domestic wire routing number: 021000021. The routing number identifies the bank, not your individual account. Your account number is what tells the receiving bank which of your accounts to pull the money from.

What if someone sends me a wire and uses the wrong routing number?

The wire will likely be rejected by the Federal Reserve or returned to the sending bank. The sender will see that the transfer failed and can resubmit it with the correct routing number. If you are expecting a wire and it does not arrive, ask the sender to confirm they used 021000021 and that they have your correct account number.

Is the wire routing number the same for Bank of America business accounts?

Yes. Bank of America uses 021000021 for both personal and business accounts when sending domestic wires. The routing number does not change based on account type.

Can I use the routing number from my debit card for a wire transfer?

The routing number on your debit card is the ABA routing number, which is used for ACH transfers, not wires. For a wire transfer, use 021000021 instead. If you use the ABA number for a wire, the transfer may fail or be delayed.

What if Bank of America changes their routing number?

Bank of America has used 021000021 for domestic wires for many years and there is no indication this will change. However, if you are sending a wire more than a few months from now, you can always log into your online banking or call customer service to confirm the current routing number before you send.