Bank of America routing numbers depend on which state your account is in and what type of transfer you're sending
Bank of America uses different routing numbers for different regions and transfer types. The routing number you need for a wire transfer is not the same as the one printed on your checks, and it varies by the state where your account branch is located. You can find the correct routing number by calling Bank of America, logging into your online account, or checking the documents Bank of America sent you when you opened the account.
Wire transfers require the routing number of the receiving bank, not your own bank. If you are sending money from Bank of America to another bank, you do not need Bank of America's routing number — you need the routing number of the bank receiving the money. If someone is sending money to you at Bank of America, they will need Bank of America's routing number for your state.
Key Takeaways
- Bank of America routing numbers are specific to the state where your account branch is located, not your home state or where you live now.
- The routing number on your checks is different from the routing number used for wire transfers, so do not assume they are the same.
- You can find your routing number by calling Bank of America at 1-800-432-1000, logging into your online account under account details, or checking your account opening documents.
- If you are sending a wire transfer from Bank of America, you need the routing number of the bank receiving the money, not Bank of America's routing number.
How to locate your Bank of America routing number
The fastest way to find your routing number is to log into your Bank of America online account or mobile app. Go to the account details or account information section — the exact location varies by whether you use the website or app, but it is usually labeled "Account Details," "Account Information," or "Routing Number." Bank of America displays the routing number associated with that specific account.
If you do not have online access or prefer to call, contact Bank of America's customer service at 1-800-432-1000. Tell them you need the routing number for wire transfers. Have your account number ready. The representative will give you the correct routing number for your account's branch location.
You can also check the documents Bank of America mailed you when you opened the account. Some account opening packets include a routing number reference sheet. If you still have your original welcome materials, the routing number may be listed there.
Why routing numbers differ by state and transfer type
Bank of America operates in multiple states and maintains separate routing numbers for each region. The routing number is tied to the physical branch location where your account was opened, not where you currently live. If you opened your account in California but moved to Texas, your routing number remains the California routing number for that account.
Wire transfers use a different routing number than the one printed on your checks. The number on your checks is used for ACH transfers (automatic payments and direct deposits) and check processing. Wire transfers route through a different system and require a separate routing number. Using the wrong number will cause the wire to be rejected or delayed.
What information you need to send or receive a wire transfer
To send a wire transfer from Bank of America, you will need the receiving bank's routing number, the recipient's account number, the recipient's full name, and the receiving bank's name and address. You do not need to provide Bank of America's routing number when you are the one sending the money.
To receive a wire transfer at Bank of America, the sender needs your Bank of America routing number, your account number, your full name as it appears on the account, and Bank of America's address. Different senders may ask for this information in different formats, but the core details are the same.
Bank of America's main address for wire transfers is Bank of America, N.A., Charlotte, North Carolina. Some senders may ask for a specific routing number format or a SWIFT code (used for international transfers). If you are unsure what format the sender needs, call Bank of America and describe what the sender asked for.
Common mistakes when providing routing information
The most common error is providing the routing number from your checks instead of the wire transfer routing number. These are different numbers, and using the wrong one will cause the transfer to fail. Always confirm with Bank of America that you have the correct routing number for wire transfers before you give it to someone sending you money.
Another mistake is confusing your own routing number with the routing number of the bank you are sending money to. If you are sending a wire, you need the receiving bank's routing number. If you are receiving a wire, you provide your Bank of America routing number. Read the request carefully to understand which direction the money is moving.
Some people provide incomplete or incorrect account numbers along with the routing number. Even if the routing number is correct, a wrong account number will send the money to the wrong person at that bank. Double-check your account number and the recipient's account number before confirming the wire.
International wire transfers and SWIFT codes
If you are sending money to a bank outside the United States, you may need a SWIFT code instead of a routing number. SWIFT codes are used for international transfers and are different from domestic routing numbers. Bank of America has a SWIFT code for international wire transfers: BOFAUS3N (for most transfers) or BOFAUS6S (for certain types of transfers).
When you send an international wire from Bank of America, the bank will ask you whether you need a SWIFT code or a routing number. Tell them the transfer is international, and they will provide the correct code. If the receiving bank is outside the United States, ask Bank of America which code to use before you initiate the transfer.
Frequently Asked Questions
Is the routing number on my Bank of America checks the same as the wire transfer routing number?
No. The number on your checks is for ACH transfers and check processing. Wire transfers use a different routing number. Always contact Bank of America to confirm you have the wire transfer routing number before sending or receiving a wire.
Do I need my own Bank of America routing number to send a wire transfer?
No. When you send a wire from Bank of America, you need the routing number of the bank that is receiving the money. Bank of America already knows your account information. You only provide your own routing number when someone else is sending money to you.
What happens if I use the wrong routing number for a wire transfer?
The wire will either be rejected by the receiving bank or sent to the wrong account. If it is rejected, the money returns to your Bank of America account within a few business days. If it goes to the wrong account, contact Bank of America when ready to report the error and request a trace of the transfer.
Can I find my routing number on my Bank of America debit card?
No. Routing numbers are not printed on debit cards. You can find it online, by calling Bank of America, or by checking your account opening documents. The routing number is specific to your account and branch, not to your card.
Does my routing number change if I move to a different state?
No. Your routing number is tied to the branch where you opened the account and does not change when you move. If you opened your account in one state and move to another, you keep the same routing number for that account.