Bank of America's North Carolina Routing Number
Bank of America uses different routing numbers depending on which state you bank in and which service you need. For wire transfers from a Bank of America account in North Carolina, the routing number is 026009593. This nine-digit code tells the Federal Reserve and other banks where your money is coming from and where it needs to go.
The routing number is not the same as your account number. Your account number identifies your specific account at the bank; the routing number identifies the Bank of America branch or processing center handling the transfer. When you send a wire, you need both pieces of information to be correct, or the money may be delayed or sent to the wrong place.
Bank of America has multiple routing numbers across the country because different regions process transfers through different Federal Reserve districts. If you have accounts at Bank of America branches in other states, those accounts may use a different routing number. Always confirm which routing number matches the state where your account is held.
Key Takeaways
- Bank of America's routing number for wire transfers in North Carolina is 026009593.
- The routing number identifies the bank and processing location, while your account number identifies your specific account.
- You need both the routing number and account number correct for a wire transfer to reach the right destination.
- Bank of America routing numbers vary by state, so confirm you are using the North Carolina number if your account is based there.
- 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.
Where to Find Your Routing Number
The easiest place to find your Bank of America routing number is on a check from your checking account. Look at the bottom left corner of the check. The first nine digits printed there are your routing number. This works only if your checks are tied to a North Carolina Bank of America account.
If you do not have checks or prefer not to use them, log into your Bank of America online banking account or mobile app. Go to your account details or account information section. Most banks display the routing number alongside your account number in this area. You can also call Bank of America's customer service line at 1-800-432-1000 and ask a representative for the routing number tied to your specific account.
Bank of America also lists routing numbers on its official website. You can search by state and account type to confirm the correct number. Using the official website or calling the bank directly is the safest way to verify the number before you send a wire, since entering an incorrect routing number can cause the transfer to fail or be delayed.
What Happens When You Use the Wrong Routing Number
If you enter an incorrect routing number, the wire transfer may be rejected before it leaves your account. In this case, the money stays in your Bank of America account and you are notified of the error. You can then correct the routing number and resend the wire.
In some cases, a wire with an incorrect routing number may be sent to a different bank or processing center. That institution will try to match the account number you provided to one of their accounts. If no match is found, the money may be returned to you, but this can take several business days. During that time, you do not have access to the funds.
To avoid this problem, double-check the routing number and account number before you confirm any wire transfer. Bank of America will show you both numbers on the confirmation screen before the transfer is final. Take a moment to verify them against the information you were given by the person or business receiving the money.
Routing Numbers for Different Types of Bank of America Accounts
Bank of America uses the same routing number (026009593) for most personal checking and savings accounts in North Carolina. This includes regular checking accounts, interest-bearing checking accounts, and savings accounts. The routing number does not change based on the type of account you have.
Business accounts at Bank of America in North Carolina also use the same routing number for wire transfers. However, if your business account is held at a different Bank of America location or processing center, the routing number may differ. When in doubt, check your business account statements or contact your business banking representative.
Money Market accounts and Certificates of Deposit (CDs) at Bank of America also use the same routing number for wire transfers. The routing number is tied to the bank and state, not to the product type. If you are unsure whether your specific account uses this routing number, your account statements or online banking portal will show the correct one.
International Wire Transfers from Bank of America in North Carolina
If you are sending a wire transfer to another country, you may need additional information beyond the routing number. International wires require the recipient's bank name, address, and often a SWIFT code (also called a BIC code). The SWIFT code is similar to a routing number but is used by banks outside the United States.
Bank of America's SWIFT code is BOFAUS3N. You may also need an IBAN (International Bank Account Number) if the recipient's bank is in Europe or uses the IBAN system. Bank of America can provide you with the exact information needed for the country you are sending money to. Call 1-800-432-1000 or log into your online banking account to start an international wire and see what information is required.
International wire transfers typically take longer than domestic wires and may involve currency conversion fees. Bank of America will show you the exchange rate and all fees before you confirm the transfer. The routing number 026009593 is still used to identify your Bank of America account as the source of the funds.
Confirming the Correct Routing Number Before You Send
Before you send any wire transfer, verify the routing number in at least two places. Check your Bank of America checks, your online account information, and the official Bank of America website. If all three sources show 026009593 for your North Carolina account, you can be confident it is correct.
If you are sending money to someone else, ask them to confirm the routing number they provided. Sometimes people confuse their account number with their routing number, or they may have given you information for a different bank. A quick phone call to confirm can prevent a wire from being sent to the wrong place.
Bank of America's online banking platform will ask you to review all wire transfer details before you submit. This is your final note to catch any errors. Read through the routing number, account number, recipient name, and amount carefully. Once you confirm, the wire is usually sent within minutes and cannot be stopped.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers in North Carolina?
Yes, all Bank of America customers with accounts in North Carolina use the same routing number for wire transfers: 026009593. The routing number is based on the state and bank, not on the individual account or customer.
Can I use the routing number from my checks if I have a savings account?
If your checks are tied to a checking account, the routing number on them applies to that checking account. For a savings account, the routing number is the same (026009593 in North Carolina), but you should confirm this by checking your savings account statements or online banking portal.
What if I have a Bank of America account in a different state?
Bank of America routing numbers vary by state. If your account is in a state other than North Carolina, you will need a different routing number. Check your account statements, online banking portal, or call Bank of America to find the correct routing number for the state where your account is held.
Do I need the routing number to send money through Bank of America's mobile app?
No. When you send a wire through Bank of America's mobile app or online banking, the app automatically uses the correct routing number for your account. You only need to enter the recipient's routing number and account number if you are sending money to someone at a different bank.
What should I do if my wire transfer was rejected because of an incorrect routing number?
The money will be returned to your Bank of America account. Confirm the correct routing number (026009593 for North Carolina), verify the recipient's account number, and try the wire transfer again. Bank of America's customer service can walk you through the process if you need help.