Bank of America's Maryland routing number depends on which type of wire transfer you are sending
Bank of America uses different routing numbers for domestic wire transfers and international wire transfers, and the number you need depends on where your money is going and which Bank of America branch or service you use. For most domestic wire transfers from a Bank of America account in Maryland, the routing number is 026009593. This nine-digit code tells the receiving bank which financial institution and location should receive your funds.
The routing number is not the same as your account number. Your account number identifies your specific account within Bank of America, while the routing number identifies Bank of America itself and the specific processing center handling your transfer. You will need both pieces of information to send a wire transfer.
If you are sending money internationally from a Bank of America account, you will need a different identifier called a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. Some international transfers may also require an IBAN (International Bank Account Number) if the receiving country uses that system.
Key Takeaways
- Bank of America's domestic wire transfer routing number for Maryland accounts is 026009593.
- The routing number is different from your account number and identifies the bank and processing center, not your individual account.
- International wire transfers require Bank of America's SWIFT code (BOFAUS3N) rather than a routing number.
- You can verify the correct routing number by calling Bank of America customer service, checking your account statements, or visiting the bank's website.
Where to find your routing number on Bank of America statements and online
Your Bank of America routing number appears on the bottom left corner of your checks, printed as the first set of nine digits before your account number. If you have paper checks from your account, this is the fastest way to locate it without making a phone call.
You can also find your routing number by logging into your Bank of America online account or mobile app. Go to your account details or account information section, and the routing number will be listed there. Some accounts display it under "Bank Information" or "Account Details."
If you do not have checks or online access, you can call Bank of America customer service at 1-800-432-1000 and provide your account number. A representative will confirm the routing number for your specific account and wire transfer type. Keep in mind that wait times vary depending on the time of day and day of the week.
Why routing numbers matter for wire transfers
A routing number is the address of the bank in the financial system. When you send a wire transfer, the sending bank uses the routing number to locate the correct receiving bank and send your money to the right place. Without the correct routing number, your transfer may be delayed, sent to the wrong bank, or rejected entirely.
Wire transfers are different from checks or ACH transfers (which take several business days). Wire transfers move money within hours or sometimes minutes, which is why accuracy matters. Once a wire transfer is sent, it is difficult to stop or reverse, so confirming the routing number before you initiate the transfer is important.
Bank of America may use different routing numbers for different types of transactions. For example, a routing number for wire transfers may differ from a routing number for ACH transfers or direct deposits, even though they are all Bank of America accounts. Always confirm which routing number applies to the specific type of transfer you are making.
Common mistakes when using routing numbers for wire transfers
The most common error is confusing the routing number with the account number or SWIFT code. The routing number is always nine digits. If someone gives you a different number of digits, it is not a routing number. Double-check that you have copied the number correctly before submitting your wire transfer request.
Another mistake is using an outdated routing number. While Bank of America's routing number for Maryland has remained stable, bank mergers or reorganizations can occasionally change routing numbers. If you are using a routing number you found several years ago, verify it with the bank before sending a large transfer.
Some people also send money to the wrong Bank of America location by using a routing number that does not match their account type or the receiving account's location. If you are unsure which routing number to use, contact Bank of America directly rather than guessing. The cost of a delayed or misdirected transfer is usually higher than the cost of a phone call.
What happens after you provide the routing number
Once you have provided the correct routing number along with the receiving account number and account holder's name, the sending bank processes your wire transfer. Bank of America will deduct the funds from your account when ready and send them through the Federal Reserve's wire transfer system or through a private network like SWIFT for international transfers.
The receiving bank uses the routing number to identify itself in the system and locate the correct account to deposit the funds. Most domestic wire transfers arrive within one business day, though some arrive the same day if sent early enough. International wire transfers typically take one to three business days depending on the receiving country and bank.
You will receive a confirmation number for your wire transfer. Keep this number for your records. If the transfer does not arrive as expected, you can use the confirmation number to trace the transfer with Bank of America.
Routing numbers for different Bank of America locations and services
Bank of America operates multiple processing centers, and different routing numbers may explore depending on your account type, the state where your account was opened, or the specific service you are using. The routing number 026009593 is the most common one for Maryland accounts sending domestic wire transfers.
If you have a Bank of America account that was opened in a different state or if you are using a specialized service like Bank of America Merrill Lynch or Bank of America Private Bank, you may have a different routing number. Check your account documents or contact the bank to confirm which routing number applies to your specific account.
For wire transfers to or from Bank of America branches outside the United States, you will need the SWIFT code (BOFAUS3N) rather than a routing number. Some countries also require additional information like an IBAN or local bank code.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers in Maryland?
The routing number 026009593 is used for most Bank of America domestic wire transfers from Maryland accounts. However, some specialized accounts or services may use a different routing number. Check your account documents or contact Bank of America to confirm the correct number for your specific account type.
Can I use the routing number from my checks for a wire transfer?
Yes. The routing number printed on your checks is the same routing number you use for wire transfers. It appears as the first nine digits at the bottom left of the check, before your account number.
What do I do if my wire transfer does not arrive?
Contact Bank of America with your wire transfer confirmation number. Provide the routing number, receiving account number, and amount sent. The bank can trace the transfer and determine whether it was delayed, rejected, or sent to the wrong account. If an error occurred, the bank may be able to recover the funds.
Do I need a different routing number for international wire transfers?
Yes. International wire transfers use Bank of America's SWIFT code (BOFAUS3N) instead of a routing number. Some countries also require an IBAN or additional bank information. Contact Bank of America or the receiving bank to confirm all required information before sending an international transfer.
Can the routing number change?
Bank of America's routing numbers are stable, but they can change due to bank mergers, reorganizations, or system updates. If you are using a routing number from several years ago, verify it with the bank before sending a large transfer to make sure it is still current.