Bank of America's California Routing Numbers
Bank of America uses different routing numbers depending on which state you bank in and which type of transaction you're making. If you have a Bank of America account in California, your routing number is 121000248 for most wire transfers and ACH payments.
This nine-digit number tells the banking system which Bank of America location processes your account. When you send a wire transfer from your California Bank of America account, you'll use this routing number so the money reaches the right processing center. The number stays the same whether you're wiring money out of state or to another California bank.
Some older Bank of America accounts in California may show a different routing number on checks or statements, but 121000248 is the current standard routing number for wire transfers and electronic payments from California accounts.
Key Takeaways
- Bank of America's routing number for wire transfers from California accounts is 121000248.
- You can find your routing number on the bottom left of your checks, in your online banking account, or by calling Bank of America customer service.
- The routing number is different from your account number and is needed for incoming and outgoing wire transfers.
- If you're sending money to someone else's Bank of America account in California, you'll also provide this same routing number along with their account number.
Where to Find Your Routing Number
The easiest place to locate your routing number is on a check from your Bank of America account. Look at the bottom left corner of the check — you'll see three groups of numbers. The first group of nine digits is your routing number. If you don't have checks handy, you can find it in your Bank of America online banking account under account details or account information.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. A representative can confirm the number in seconds. If you're setting up a wire transfer through your online banking or mobile app, Bank of America usually fills in the routing number automatically when you select "wire transfer" as your transaction type.
Routing Number vs. Account Number
Your routing number and account number are two separate pieces of information, and you need both for a wire transfer. The routing number (121000248 for California) identifies which bank processes your account. Your account number is unique to you and identifies which specific account at that bank the money should go to.
When you wire money out, you provide your own routing and account number to confirm where the money is coming from. When someone wires money to you, they need your routing number and your account number. Never share your full account number with people you don't trust, but the routing number is safe to share — it's public information that identifies only the bank, not your specific account.
Using Your Routing Number for Incoming Wires
If someone outside your bank wants to send you money by wire transfer, give them Bank of America's California routing number (121000248) along with your account number. They'll enter both numbers into their bank's wire transfer form, along with your name and the amount they want to send.
The sending bank uses the routing number to direct the wire to Bank of America's processing center in California, and then Bank of America uses your account number to deposit the money into your specific account. Incoming wires typically arrive within one business day, though some may take longer depending on the sending bank's processing time.
What to Do If You Have Multiple Bank of America Accounts
If you have more than one account at Bank of America in California — such as a checking account and a savings account — they share the same routing number (121000248). The routing number identifies the bank and state, not the individual account. Your account number is what distinguishes between your different accounts.
When you set up a wire transfer, make sure you're entering the correct account number for the specific account you want to use. If you wire from your checking account by mistake when you meant to use savings, you'll need to contact Bank of America to correct it. Double-check both numbers before you confirm any wire transfer.
Routing Numbers for Other States
Bank of America uses different routing numbers in different states. If you have a Bank of America account in another state, that account will have a different routing number. For example, accounts in Texas, Florida, and New York each have their own routing numbers.
If you're moving to another state or opening a new Bank of America account outside California, ask for the routing number specific to that state. Using the wrong state's routing number can delay your wire transfer or send it to the wrong processing center. Bank of America's website and customer service can provide the correct routing number for any state where you have an account.
Frequently Asked Questions
Is 121000248 the routing number for all Bank of America accounts in California?
Yes, 121000248 is the routing number for wire transfers and ACH payments from Bank of America accounts in California, regardless of the type of account or which branch you opened it at. All California accounts use this same routing number.
Can I use my routing number to set up direct deposit?
Yes. When your employer or another organization sets up direct deposit to your Bank of America account, they'll ask for your routing number (121000248) and your account number. Direct deposit uses the same routing number as wire transfers.
What if I'm sending money to someone else's Bank of America account in California?
You'll provide their routing number (121000248) and their account number to your bank's wire transfer form. You don't need to know which specific branch they use — the routing number directs the wire to Bank of America's processing center, and the account number gets it to their specific account.
Do I need a different routing number if I'm wiring money out of state?
No. You use your California routing number (121000248) for all wire transfers sent from your California Bank of America account, whether the money is going to another California bank, another state, or even another country. The receiving bank's routing number is what matters for incoming wires.
Where can I find my routing number if I don't have checks?
Log into your Bank of America online banking account and look for account details or account information. You can also call 1-800-432-1000 and ask a representative for your routing number. Both methods will confirm 121000248 for California accounts.