Bank of America's routing number for New York City wire transfers is 021000021
If you are sending or receiving a wire transfer through Bank of America in New York City, you will need the routing number 021000021. This nine-digit code tells the banking system which Bank of America location processes your transfer. Bank of America uses the same routing number for all wire transfers nationwide, regardless of which branch you use or which state you are in.
The routing number is different from your account number. Your account number identifies your specific account within the bank, while the routing number identifies the bank itself in the Federal Reserve system. When you wire money, you need both pieces of information — the routing number goes to the receiving bank, and your account number goes to your specific account at that bank.
Key Takeaways
- Bank of America's wire transfer routing number is 021000021 for all locations, including New York City branches.
- 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.
- Wire transfers using the correct routing number typically process within one business day.
- If you are wiring money to someone else's Bank of America account in NYC, you will need their account number and the routing number 021000021.
Where to find your routing number
The fastest way to locate your Bank of America routing number is to look at a check from your account. The routing number appears as the first set of nine digits on the bottom left of the check, before your account number. If you do not have checks available, you can log into your Bank of America online banking account and find the routing number in the account details or transfer settings section.
You can also call Bank of America customer service at 1-800-432-1000 to confirm your routing number. Have your account number ready when you call. If you are at a Bank of America branch in New York City, a teller can also provide the routing number and answer questions about your specific wire transfer.
What information you need to send a wire transfer
To send a wire transfer from your Bank of America account in New York City, you will need to provide several pieces of information. You need the recipient's full name, their bank's routing number, their account number, and the amount you want to send. If the recipient's bank is outside the United States, you will also need their bank's SWIFT code, which is similar to a routing number but used for international transfers.
Bank of America allows you to initiate wire transfers through online banking, mobile app, phone, or in person at a branch. Online and mobile transfers are typically free, though some branches may charge a fee for in-person wire transfers. The transfer usually processes within one business day, though weekend or holiday transfers may take longer.
Incoming wire transfers to your Bank of America account
If someone is sending you money by wire transfer to your Bank of America account in New York City, give them the routing number 021000021 along with your account number and your full name as it appears on your account. The sender's bank will use this information to route the money to the correct Bank of America location and deposit it into your account.
Incoming wire transfers typically arrive within one business day. Bank of America will notify you when the transfer has been received, usually through email or a notification in your online banking portal. Check your account to confirm the money has arrived before you spend it, since wire transfers are generally not reversible once they have been processed.
Common mistakes when wiring money
The most common error is confusing the routing number with the account number or using an outdated routing number. Always double-check that you have the correct nine-digit routing number before you send the transfer. If you enter the wrong routing number, the money may go to the wrong bank or account, and recovering it can take weeks.
Another frequent mistake is entering the recipient's information incorrectly — misspelling a name, transposing digits in an account number, or using the wrong routing number for the recipient's bank. Wire transfers move quickly and are hard to reverse, so take time to verify every detail before you confirm the transfer. If you are unsure about any information, contact the recipient or their bank directly to confirm.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America locations?
Yes. Bank of America uses the same routing number for all wire transfers, whether you are sending from New York City, another state, or internationally. The routing number does not change based on which branch you use or which state the recipient is in.
Can I wire money from a Bank of America ATM?
No. Wire transfers can only be initiated through online banking, the mobile app, by phone, or in person at a branch. ATMs do not offer wire transfer services. You will need to use one of these four methods to send money.
What if I send a wire transfer to the wrong account by mistake?
Contact Bank of America when ready. Wire transfers are difficult to reverse once they have been processed, but the bank may be able to contact the receiving bank and request that the money be returned. The sooner you report the error, the better your chances of recovery. Do not wait.
Do I need a different routing number for international wire transfers?
No, you still use 021000021 as Bank of America's routing number. However, for international transfers, the recipient's bank will also need Bank of America's SWIFT code, which is BOFAUS3N. The SWIFT code works alongside the routing number for transfers outside the United States.
How long does a wire transfer take if I send it on a Friday?
Wire transfers sent on Friday may not process until Monday, since banks do not process transfers on weekends. If you need the money to arrive by a specific date, send the transfer on a business day (Monday through Friday) before the bank's cutoff time, which is typically 2 p.m. or 3 p.m. Eastern Time.