Bank of America's wire routing number depends on which state your account is in
Bank of America does not use a single routing number for all wire transfers. Instead, the routing number you need depends on the state where your account is held. The most commonly used wire routing number for Bank of America is 021000021, which covers most states. However, if your account is in Connecticut, New Jersey, or New York, your wire routing number is 011000015. If you are unsure which one applies to you, call Bank of America at 1-800-869-3557 or log into your online banking portal to confirm.
The reason for multiple routing numbers is historical — Bank of America operates through different regional banking entities, and the Federal Reserve assigns each one its own routing number. When you send a wire, the receiving bank uses this number to route your money to the correct Bank of America location. Using the wrong routing number can delay your transfer or send it to the wrong place entirely.
Key Takeaways
- Bank of America's primary wire routing number is 021000021 for most states, and 011000015 for Connecticut, New Jersey, and New York.
- You can find your correct routing number by calling Bank of America customer service, logging into your online account, or checking your checks.
- The routing number for wire transfers is different from the routing number printed on your checks, so do not assume they are the same.
- If you send a wire with the wrong routing number, contact Bank of America when ready — the bank may be able to recall the transfer before it clears.
Where to find your Bank of America wire routing number
The fastest way to find your wire routing number is to log into your Bank of America online banking account. Go to the settings or account information section, and look for "routing number" or "wire transfer information." The number will be displayed clearly, and you can copy it directly into your wire transfer form.
If you do not use online banking, call Bank of America's customer service line at 1-800-869-3557. A representative can tell you your wire routing number over the phone and confirm it is correct for your state. Have your account number ready when you call. You can also visit a Bank of America branch in person and ask a teller for your wire routing number.
Do not use the routing number printed on the bottom left of your checks. That number is for ACH transfers and direct deposits, not wire transfers. Using it for a wire will cause the transfer to fail or be delayed.
The difference between wire routing numbers and ACH routing numbers
Bank of America maintains separate routing numbers for different types of transfers. The wire routing number is used only for wire transfers — money sent through the Federal Reserve's wire system. The ACH routing number is used for direct deposits, bill payments, and transfers between accounts at different banks that process through the Automated Clearing House.
For Bank of America, the ACH routing number is typically 011000015 or 021000021, depending on your state. However, these numbers are not always the same as the wire routing number, and using the wrong one will cause your transfer to fail. When you initiate a wire transfer, the form will ask specifically for the wire routing number — use only that number, not the ACH routing number from your checks or statements.
What happens if you use the wrong routing number
If you send a wire with an incorrect routing number, the receiving bank may reject it and send it back to Bank of America. This process usually takes three to five business days. Once the wire is returned, the money goes back into your account, and you can resend it with the correct routing number.
In some cases, the wire may go to a different Bank of America location or to another bank entirely. If this happens, contact Bank of America when ready and provide them with the wire confirmation number from your transfer. The bank can attempt to trace the wire and recover the funds, but this process is not may provide and can take weeks. To avoid this problem, always confirm your routing number with Bank of America before sending a large wire.
Wire routing numbers for Bank of America business accounts
If you have a Bank of America business account, the wire routing number is the same as for personal accounts — 021000021 for most states and 011000015 for Connecticut, New Jersey, and New York. However, business accounts may have additional requirements for wire transfers, such as dual approval or specific authorization limits.
Before sending a wire from a business account, check with your account manager or the person who set up your account to understand any restrictions or approval processes. Some businesses require a second person to authorize wires above a certain amount, and this can add time to the transfer.
International wires from Bank of America
If you are sending a wire to another country, you will still use Bank of America's domestic wire routing number (021000021 or 011000015). However, you will also need additional information about the receiving bank, including its SWIFT code and the recipient's international bank account number (IBAN). Bank of America will ask for this information when you set up the wire.
International wires typically take longer than domestic wires — usually three to five business days — and Bank of America charges a fee for sending them. The fee varies depending on the destination country and the amount being sent. Ask Bank of America for the exact fee before you send the wire.
Frequently Asked Questions
Is the routing number on my Bank of America check the same as my wire routing number?
No. The routing number on your check is for ACH transfers and direct deposits. Your wire routing number is different and is either 021000021 or 011000015 depending on your state. Always confirm with Bank of America which number to use for a wire transfer.
Can I send a wire transfer from my Bank of America savings account?
Yes, you can send a wire from either a checking or savings account. The wire routing number is the same for both account types. However, some Bank of America savings accounts have limits on the number of transfers you can make per month, so check your account terms before sending a wire.
How long does a Bank of America wire transfer take?
Domestic wire transfers from Bank of America usually arrive the same business day if sent before the bank's cutoff time, which is typically 2 p.m. Eastern Time. Wires sent after the cutoff may not process until the next business day. International wires take three to five business days.
What should I do if my wire transfer was rejected?
Call Bank of America when ready at 1-800-869-3557 and provide your wire confirmation number. The bank can tell you why the wire was rejected and help you resend it with the correct information. If the wire was sent to the wrong place, the bank can attempt to trace it and recover the funds.
Does Bank of America charge a fee for wire transfers?
Yes. Bank of America charges a fee for outgoing domestic wire transfers, typically between $15 and $30 depending on your account type. International wire fees are higher, usually $45 or more. Check your account agreement or call customer service for the exact fee that applies to your account.