Bank of America routing numbers vary by location and transaction type

Bank of America does not use a single routing number for all of Texas. The routing number you need depends on which state your account is held in and what kind of wire transfer you are sending. If your account is physically based in Texas, you will use a Texas routing number. If your account is in another state, you use that state's number instead — the bank's location matters more than where you live.

For domestic wire transfers from a Bank of America account in Texas, the routing number is 111000025. This nine-digit code tells the Federal Reserve and other banks where to send the money. You will find this same number used for ACH transfers and other electronic payments from Texas accounts.

International wire transfers use a different identifier. Bank of America's SWIFT code for wire transfers is BOFAUS3N. If you are sending money outside the United States, you will need this code instead of a routing number. Some countries also require an IBAN (International Bank Account Number), which Bank of America will provide if you ask.

Key Takeaways

  • The routing number for Bank of America accounts in Texas is 111000025 for domestic wire transfers and ACH payments.
  • Your account must be held in Texas for this routing number to explore; accounts in other states use different routing numbers.
  • International wire transfers require the SWIFT code BOFAUS3N instead of a routing number.
  • You can confirm your specific routing number by calling Bank of America customer service or checking your account statements and deposit slips.

How to find your routing number on Bank of America statements and checks

The easiest place to locate your routing number is on the bottom left of any check from your account. The first nine digits printed there are your routing number. If you do not have checks, look at your most recent bank statement — the routing number appears in the account information section, usually near the top or in a summary box.

You can also log into your Bank of America online account or mobile app. Go to the account details or account information page for the specific account you are using. The routing number is listed there alongside your account number. If you cannot find it in either place, call Bank of America at 1-800-432-1000 and provide your account number; a representative will give you the correct routing number for your account.

When the routing number changes or does not work

Bank of America occasionally consolidates branches or changes internal routing structures. If a wire transfer is rejected and you are told the routing number is invalid, the account may have been moved to a different routing number. This happens most often after a branch closure or a merger.

Before you retry the transfer, contact Bank of America directly to confirm the current routing number for your account. Do not assume the number on an old statement is still correct. The bank can also tell you whether there are any holds or restrictions on outgoing wire transfers from your account that might be causing the rejection.

Routing number versus account number and SWIFT code

A routing number, account number, and SWIFT code are three separate pieces of information, and each serves a different purpose. Your routing number (111000025 for Texas Bank of America accounts) identifies which bank or branch holds your account. Your account number is unique to you and identifies which specific account at that bank the money should go to. Together, they complete a domestic wire transfer.

A SWIFT code (BOFAUS3N for Bank of America) is used only for international transfers and identifies the bank globally. Some international transfers also require an IBAN, which is a standardized account identifier used outside the United States. When you send a wire transfer, make sure you are using the correct identifier for the type of transfer you are making — using a SWIFT code for a domestic transfer or a routing number for an international one will cause the transfer to fail.

What information the receiving bank needs from you

When someone sends you a wire transfer to your Bank of America account in Texas, they will need to provide their bank with your routing number (111000025), your full account number, and your full name as it appears on the account. Some banks also ask for your address, though this is less common for domestic transfers.

If the transfer is coming from outside the United States, the sending bank will ask for your SWIFT code (BOFAUS3N) and may ask for an IBAN. Bank of America can provide an IBAN for your account if the sending bank requires one. Make sure the name on the receiving account matches the name the sending bank has on file; mismatches can delay or reject the transfer.

Fees and timing for wire transfers using this routing number

Bank of America charges a fee for outgoing domestic wire transfers. The fee varies depending on whether you are a basic customer or a premium account holder, and whether the transfer is sent online or in person at a branch. As of the most recent update, domestic wire transfer fees range from $15 to $30, but you should confirm the current fee with your bank before sending.

Incoming wire transfers to your Bank of America account are usually free. Domestic wire transfers typically arrive within one business day if sent before the bank's cutoff time (usually 2 p.m. or 3 p.m. local time). Transfers sent after the cutoff are processed the next business day. International wire transfers can take three to five business days depending on the receiving country and bank.

Frequently Asked Questions

Is the routing number 111000025 the same for all Bank of America accounts in Texas?

Yes, all Bank of America accounts held in Texas use this routing number for domestic wire transfers and ACH payments. However, if your account is held in another state, you will use a different routing number even if you live in Texas. The account location, not your residence, determines which routing number applies.

Can I use the same routing number for wire transfers and bill payments?

Yes. The routing number 111000025 works for wire transfers, ACH transfers, bill payments, and direct deposits to Bank of America accounts in Texas. The routing number identifies the bank and account location, so it is the same across all these transaction types.

What do I do if my wire transfer was rejected?

Call Bank of America when ready at 1-800-432-1000 with the rejection message or error code. The most common reasons are an incorrect routing number, a mismatched account name, or a typo in the account number. The bank can tell you which piece of information was wrong and help you resend the transfer correctly.

Do I need a SWIFT code if I am sending money to another Bank of America account in Texas?

No. SWIFT codes are only for international transfers. For transfers between two Bank of America accounts in the United States, use the routing number 111000025 and the receiving account number. A SWIFT code will not work for domestic transfers.