What the Bank of America New Jersey routing number is
A routing number is a nine-digit code that tells the banking system which branch or processing center should handle your transaction. Bank of America uses different routing numbers depending on which state your account is based in. If your account is held at a Bank of America branch in New Jersey, you will need the New Jersey routing number to send or receive a wire transfer.
The routing number for Bank of America accounts in New Jersey is 021000021. This number is used for all wire transfers involving Bank of America New Jersey accounts, whether you are sending money out or receiving it from another bank.
You should not confuse the routing number with your account number. The routing number identifies the bank and location; your account number identifies your specific account within that bank. Both are required to complete a wire transfer.
Key Takeaways
- Bank of America's routing number for New Jersey accounts is 021000021, used for all wire transfers in and out of your account.
- The routing number is different from your account number — you need both pieces of information to wire money.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Always double-check the routing number before sending a wire transfer, because wires cannot be reversed once they leave your bank.
Where to find the routing number on your check
The easiest way to locate your routing number is to look at a check from your Bank of America account. On the bottom left corner of the check, you will see three groups of numbers separated by vertical lines. The first group of nine digits is your routing number.
The format looks like this: 021000021 | [your account number] | [check number]. If you do not have a checkbook or your checks are blank, you can use one of the other methods below instead.
How to find it in your online banking account
Log into your Bank of America online banking portal or mobile app. Navigate to the account details or account information section — this is usually found under "Settings," "Account," or "Profile," depending on which platform you are using.
Your routing number will be listed alongside your account number. Some versions of the Bank of America app display this information on the main account dashboard. If you cannot locate it, you can also use the search function within the app to search for "routing number."
Calling Bank of America to confirm the number
If you want to verify the routing number before sending a wire, you can call Bank of America customer service at 1-800-432-1000. Have your account number ready when you call. A representative will confirm the correct routing number for your New Jersey account.
This is a good step to take if you are wiring a large amount of money or if you are unsure whether you have the correct number. It takes only a few minutes and removes the risk of sending money to the wrong bank.
Why the routing number matters for wire transfers
When you send a wire transfer, the routing number tells the Federal Reserve and the banking system exactly where to send your money. If you use the wrong routing number, your wire may be sent to a different bank or held up while the banks sort out the error.
Wire transfers are final once they leave your bank — you cannot cancel or reverse them the way you can with a check or debit card transaction. This is why it is critical to verify the routing number before you initiate the transfer. A few seconds of checking can prevent money from going to the wrong place.
What information you need alongside the routing number
To complete a wire transfer, you will need more than just the routing number. You will also need the recipient's full name, their account number, and their bank's routing number (if they bank elsewhere). If the recipient is at another bank, you may also need their bank's address or SWIFT code for international transfers.
Bank of America will ask you to enter all of this information before processing the wire. Double-check each field, because errors in the account number or recipient name can cause the transfer to fail or be delayed.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts in New Jersey?
Yes. All Bank of America accounts based in New Jersey use the same routing number: 021000021. The routing number does not change based on which specific branch you use or what type of account you have (checking, savings, money market, and so on).
What if I have a Bank of America account in a different state?
Each state has its own Bank of America routing number. If your account is in New York, Pennsylvania, or another state, the routing number will be different. Check your checks or call Bank of America to confirm the correct routing number for your account's home state.
Can I use the routing number for online bill pay?
Yes. The same routing number (021000021) is used for wire transfers, bill pay, and direct deposits to your Bank of America New Jersey account. You will not need a different number for different types of transfers.
What happens if I send a wire with the wrong routing number?
The wire may be rejected, sent to the wrong bank, or held while the banks investigate. Contact Bank of America when ready if you realize you used the wrong routing number. They may be able to recall the wire, but this is not may provide, especially if the money has already left their system.
Do I need the routing number to receive a wire transfer?
Yes. The person sending you money will need your Bank of America routing number (021000021) along with your account number and full name. Provide all three pieces of information to anyone who is wiring you money.