Bank of America's routing number for New York City wire transfers is 021000021

Bank of America uses a single routing number for all wire transfers sent within the United States, regardless of which state or city the receiving account is in. That number is 021000021. You will need this nine-digit code when you send a wire transfer from your Bank of America account to another bank, or when someone sends you money via wire to your Bank of America account in New York City.

The routing number is the same whether you are wiring money to a Bank of America branch in New York City, another state, or a completely different bank. Bank of America does not use separate routing numbers by location for domestic wire transfers. If you are sending money to an international account, you will need different information — the SWIFT code and possibly an IBAN — rather than a routing number.

Key Takeaways

  • Bank of America's wire transfer routing number is 021000021 for all domestic transfers, including those to New York City accounts.
  • The routing number stays the same no matter which Bank of America branch you use or which state the receiving account is in.
  • You will also need the receiving account number and the receiving bank's name and address to complete a wire transfer.
  • International wire transfers require a SWIFT code instead of a routing number, and the process differs from domestic wires.

Where to find this routing number on your own

You can confirm Bank of America's routing number in several places without calling customer service. The easiest method is to check the bottom left corner of any check from your Bank of America account — the first nine digits printed there are your routing number. If you have checks on hand, this takes seconds.

You can also log into your Bank of America online account or mobile app and look for wire transfer instructions or account details. Bank of America's website has a routing number lookup tool where you can enter your state and account type. If you visit a Bank of America branch in person, any teller can write down the routing number for you.

What information you need besides the routing number

The routing number alone is not enough to send a wire transfer. You will also need the receiving account number — the account where the money is going. This is different from the routing number and is usually longer, often 10 to 12 digits.

You will also need the name of the receiving bank, its street address, and the name of the person or business whose account will receive the money. Some wire transfers also require a reference number or memo so the recipient knows what the payment is for. Bank of America will ask for all of this information when you initiate the wire, either online, by phone, or in person at a branch.

Sending a wire transfer from Bank of America

Bank of America offers three ways to send a wire transfer: online through your account, by phone with a representative, or in person at a branch. Online is usually the fastest. Log into your account, find the wire transfer option (often under "Transfers" or "Move Money"), and enter the receiving bank's routing number, the receiving account number, and the recipient's name and address.

Bank of America charges a fee for outgoing domestic wire transfers. The fee varies depending on whether you send the wire online or through a representative, and whether the receiving bank is a Bank of America branch or another institution. Check your account terms or call your branch to confirm the current fee before you send.

Wire transfers typically arrive the same business day if you send them before the bank's cutoff time, usually around 2 p.m. Eastern Time. If you send after the cutoff, the wire will process the next business day. Weekends and bank holidays delay the transfer by one business day.

Receiving a wire transfer to your Bank of America account

If someone is sending you money via wire to your Bank of America account in New York City, give them Bank of America's routing number (021000021), your account number, your full name as it appears on the account, and your Bank of America branch address or your account type. The sender's bank will use this information to route the money to your account.

Wire transfers to Bank of America accounts usually arrive within one business day. Once the money arrives, it is available when ready in your account. Bank of America does not charge a fee to receive a wire transfer, though the sending bank may charge the sender.

Routing number versus SWIFT code

A routing number is used only for domestic wire transfers within the United States. If you are sending money to or receiving money from an account outside the United States, you need a different code called a SWIFT code (also called a BIC code). Bank of America's SWIFT code is BOFAUS3N.

International wire transfers also require an IBAN (International Bank Account Number) if the receiving country uses one — most countries outside the United States do. The process for sending an international wire is more complex than a domestic wire, and fees are usually higher. Contact Bank of America directly if you need to send or receive an international wire.

Frequently Asked Questions

Is the routing number different for each Bank of America branch in New York City?

No. Bank of America uses the same routing number (021000021) for all domestic wire transfers from any of its branches, including all locations in New York City. The routing number does not change based on which branch you use or which branch the receiving account is at.

Can I use the routing number from my check?

Yes. The first nine digits printed at the bottom left of any Bank of America check are the routing number. This is the same number you need for wire transfers: 021000021. You can use your check as a reference if you need to confirm the number.

What happens if I use the wrong routing number?

If you enter an incorrect routing number, the wire may be sent to the wrong bank or rejected entirely. Bank of America will usually catch obvious errors before processing, but it is important to double-check the number before you send. If a wire goes to the wrong place, contact Bank of America when ready — recovery can be difficult and time-consuming.

Do I need a different routing number to receive a wire transfer?

No. The same routing number (021000021) is used whether you are sending a wire from Bank of America or receiving a wire into a Bank of America account. The routing number identifies Bank of America as the destination bank.