Bank of America's routing number for wire transfers is 021000021

Bank of America uses a single routing number for all domestic wire transfers: 021000021. This nine-digit code tells the Federal Reserve and other banks where to send your money when you initiate a wire from your Bank of America account. You do not need to look it up or confirm it — this number is the same whether you are wiring from checking, savings, or money market accounts.

The routing number is different from your account number. Your account number identifies which specific account at Bank of America receives or sends the funds. When you wire money, you will provide both pieces of information: the routing number (021000021) and the recipient's account number at their bank.

Key Takeaways

  • Bank of America's wire transfer routing number is 021000021 for all domestic wires, regardless of account type or branch location.
  • The routing number is not the same as your account number — you need both to send a wire transfer.
  • You can find this routing number on your checks, in your online banking portal, or by calling Bank of America customer service.
  • International wire transfers use a different code called a SWIFT code (BOFAUS3N for Bank of America), not a routing number.

Where to find the routing number on your checks

If you have Bank of America checks, the routing number appears in the bottom left corner. It is the first set of nine digits printed there. The format looks like this: the routing number comes first, then your account number, then the check number on the right side. You do not need to order new checks just to find this number — any check from your account will show it.

The routing number on your checks will always be 021000021 if you bank with Bank of America, even if your checks were printed years ago. Bank of America has not changed this routing number, so older checks are just as reliable as new ones for this purpose.

How to find it in your Bank of America online account

Log into your Bank of America online banking portal or mobile app and navigate to the account details section. In the web version, this is usually under "Account Services" or "Account Information." The routing number is listed alongside your account number. You can also find it by selecting the specific account you plan to wire from — Bank of America displays the routing number on that account's summary page.

If you cannot locate it in your account portal, call Bank of America customer service at the number on the back of your debit card. A representative can confirm the routing number over the phone in under a minute. You do not need to visit a branch.

What information you need to send a wire transfer

To send a domestic wire from Bank of America, you will need the recipient's bank routing number (not Bank of America's — their bank's routing number), the recipient's account number, the recipient's full name, and the amount you want to send. You will also need to know whether the account is checking or savings. Some banks ask for the recipient's address as well.

Bank of America's routing number (021000021) is what you provide if someone is wiring money to you at Bank of America. If you are wiring money out to another bank, you need that bank's routing number instead. This is a common point of confusion — the routing number changes depending on which direction the money is moving.

International wire transfers use a different code

If you are sending money outside the United States, Bank of America does not use a routing number. Instead, you will need Bank of America's SWIFT code, which is BOFAUS3N. SWIFT codes are the international equivalent of routing numbers. They identify Bank of America to foreign banks and the international banking system.

International wires also require an IBAN (International Bank Account Number) if the recipient's country uses them — most European and many other countries do. The recipient's bank can provide their IBAN. You will enter Bank of America's SWIFT code, the recipient's IBAN or account number, and the recipient's bank's SWIFT code to complete an international wire.

Wire transfer fees and timing at Bank of America

Bank of America charges a fee for outgoing domestic wire transfers. The fee varies depending on whether you send the wire online, by phone, or in person at a branch. Online wires typically cost less than phone or branch wires. Check your current account agreement or call customer service for the exact fee, as it may change.

Domestic wires sent before the cutoff time (usually 2 p.m. Eastern Time on business days) arrive the same day. Wires sent after the cutoff or on weekends and holidays process the next business day. The receiving bank may take an additional day to post the funds to the recipient's account, depending on their processing schedule.

Frequently Asked Questions

Is the routing number different for each Bank of America branch?

No. All Bank of America branches use the same routing number for wire transfers: 021000021. The branch location does not matter. Some banks assign different routing numbers to different branches, but Bank of America does not.

Can I use the routing number from my debit card?

Your debit card does not display a routing number. The routing number appears only on checks, in your online account portal, or through customer service. If you do not have checks, log into your Bank of America account online or call customer service to find it.

What happens if I use the wrong routing number?

If you use an incorrect routing number, the wire may be rejected by the Federal Reserve or sent to the wrong bank. The funds typically return to your Bank of America account within one to three business days. Contact Bank of America when ready if this happens so they can help trace the wire.

Do I need a different routing number for wire transfers versus ACH transfers?

Bank of America uses the same routing number (021000021) for both wire transfers and ACH transfers. The routing number identifies the bank, not the type of transfer. However, wire transfers and ACH transfers process differently and have different fees and timing.

Can I wire money from a Bank of America savings account?

Yes. You can send wire transfers from checking, savings, and money market accounts at Bank of America. The routing number remains 021000021 regardless of account type. You will select the account you want to wire from when you initiate the transfer.