Bank of America routing numbers vary by state and wire type
Bank of America uses different routing numbers depending on which state your account is held in and whether you are sending a domestic wire or an international wire. The routing number is a nine-digit code that tells the banking system where to send your money. Using the wrong routing number can delay your wire or send it to the wrong bank entirely.
For domestic wires within the United States, Bank of America's routing number depends on your account location. For international wires, Bank of America uses a single routing number regardless of state. You can find the correct number by checking your checks, logging into your online account, or calling Bank of America directly.
Key Takeaways
- Bank of America routing numbers for domestic wires are state-specific, while international wires use a single routing number for all accounts.
- Your routing number appears on the bottom left of your checks, usually as a nine-digit code before your account number.
- You can confirm your routing number by logging into your Bank of America online account under account details or by calling customer service.
- Using an incorrect routing number can cause your wire to be rejected or delayed by several business days.
Finding your routing number on your checks
The easiest way to locate your Bank of America routing number is to look at a check from your account. The routing number appears on the bottom left of the check as a nine-digit code. It comes before your account number, which is the longer string of digits to its right.
If you do not have checks available, you can request them from Bank of America or use one of the other methods below. Some accounts may not come with checks by default, so this option is not available to everyone.
Domestic wire routing numbers by state
Bank of America maintains separate routing numbers for domestic wires based on the state where your account is registered. The most commonly used routing numbers are 011000015 for California and 026009593 for most other states, but this varies. Your specific routing number depends on which state your account was opened in, not where you currently live.
The table below shows routing numbers for the most common states. If your state is not listed, contact Bank of America directly to confirm the correct number for your account location.
| State | Routing Number |
|---|---|
| California | 011000015 |
| Florida | 026009593 |
| Illinois | 071000013 |
| New York | 021000018 |
| Texas | 111000025 |
| Most other states | 026009593 |
These routing numbers are used only for domestic wires sent within the United States. If you are sending money to another country, you will need a different routing number and additional information.
International wire routing number
For international wires sent outside the United States, Bank of America uses the routing number 026009593 regardless of which state your account is in. International wires also require additional information beyond the routing number, including the recipient's SWIFT code or IBAN (International Bank Account Number), depending on the country.
When sending an international wire, you will also need the recipient's full name, address, and bank details. Bank of America may charge a fee for international wires, and the transfer may take several business days to complete. The receiving bank's processing time can also add delays beyond Bank of America's control.
Confirming your routing number online or by phone
You can verify your routing number by logging into your Bank of America online account. Go to the account details or account information section, where your routing number and account number are displayed together. This method ensures you have the correct number for your specific account.
If you prefer to speak with someone, call Bank of America customer service at the number on the back of your debit card or on your account statements. A representative can confirm your routing number and answer questions about wire transfer fees or timing. Bank of America's phone lines are open during business hours, and wait times vary depending on call volume.
Common mistakes when using routing numbers for wires
The most frequent error is using a routing number that does not match your account's state of registration. Even if you have moved to a different state, your routing number remains tied to where you originally opened the account. Using the wrong state's routing number can cause the wire to be rejected or sent to the wrong location.
Another common mistake is confusing the routing number with the SWIFT code for international wires. The routing number is used for domestic transfers only. For international wires, you need both the routing number and the SWIFT code, which is a separate four-letter code that identifies Bank of America internationally.
Double-checking the nine digits before you submit a wire transfer takes only a few seconds and prevents costly delays. If you are unsure, contact Bank of America before sending the wire rather than after.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the wire may be rejected by the receiving bank and returned to Bank of America. The return process typically takes three to five business days. Once returned, the funds are credited back to your account, though some banks charge a fee for rejected wires.
In some cases, a wire sent to the wrong routing number may be delivered to a different bank or account by mistake. This is rare but possible. If this happens, you will need to contact Bank of America and provide documentation of the error so they can work with the other bank to recover the funds. This process can take weeks and may not always result in recovery.
Frequently Asked Questions
Is the routing number on my check the same for wire transfers?
Yes, the routing number printed on your checks is the same number you use for wire transfers. It appears on the bottom left of the check as a nine-digit code. This number is specific to your account's state of registration and is used for all domestic wire transfers.
Do I need a different routing number if I moved to another state?
No, your routing number does not change when you move. It remains tied to the state where you originally opened your Bank of America account. You continue to use the same routing number for all wire transfers, regardless of where you currently live.
What is the difference between a routing number and a SWIFT code?
A routing number is a nine-digit code used for domestic wires within the United States. A SWIFT code is a four-letter code used for international wires to identify Bank of America globally. For international transfers, you need both pieces of information along with the recipient's IBAN or account details.
Can I send a wire using just the routing number and account number?
For domestic wires, yes — the routing number and account number are the primary pieces of information needed. For international wires, you also need the recipient's SWIFT code, IBAN, full name, and bank address. The receiving bank's requirements may vary, so confirm all details before sending.
How long does a wire transfer take if I use the correct routing number?
Domestic wires typically arrive the same business day or within one business day if sent before the bank's cutoff time, usually 2 p.m. International wires generally take three to five business days. The receiving bank's processing time may add additional delays beyond Bank of America's control.