Bank of America's direct deposit address depends on whether you're setting it up for payroll, benefits, or tax refunds
Bank of America does not have a single mailing address where you send direct deposit forms. Instead, you provide your bank details directly to your employer, benefits administrator, or the government agency sending the payment. Bank of America itself does not receive or process direct deposit setup requests by mail.
What you need is your own Bank of America account information: your routing number and account number. These go on the form that your employer or benefits program gives you. The form then goes to them, not to the bank.
Key Takeaways
- Bank of America does not have a direct deposit mailing address; you submit your account details to your employer or benefits program instead.
- Your Bank of America routing number is 026009593 for most accounts, though some specialty accounts use different numbers.
- You can find your account number on the front of your debit card, in the Bank of America app, or by calling 1-800-432-1000.
- The form requesting direct deposit goes to your employer's payroll department or to the benefits program, never to the bank.
- Direct deposit setup is free and typically takes one to two pay periods to activate once your employer receives the completed form.
How to find your Bank of America routing and account numbers
Your routing number for Bank of America is 026009593 for most checking and savings accounts. Some accounts, such as those opened through certain employers or specialty products, may use a different routing number. If you are unsure, log into your Bank of America account online or through the mobile app and look for account details or routing information.
Your account number appears on the front of your debit card (the last 10 digits) and in full in the Bank of America app under account details. You can also call Bank of America at 1-800-432-1000 and speak with a representative who will confirm both numbers for you.
Write down both numbers exactly as they appear. A single digit wrong will cause the direct deposit to fail or go to the wrong account.
Where your direct deposit form actually goes
If you are setting up direct deposit for payroll, give the completed form to your employer's human resources or payroll department. They enter your information into their system and send it to their bank, which then coordinates with Bank of America to route your pay.
If you are setting up direct deposit for government benefits (Social Security, unemployment, tax refunds), you submit the form to the agency itself. The Social Security Administration, state unemployment office, or IRS processes the request and arranges the deposits with your bank.
If you are setting up direct deposit for a pension or annuity, send the form to the plan administrator or the company managing the payments.
What information you'll need to provide
Most direct deposit forms ask for the same basic details. Have these ready before you fill out the form: your full legal name as it appears on your Bank of America account, your routing number (026009593), your account number, and the account type (checking or savings).
Some forms also ask whether the deposit should go to a checking account, savings account, or split between both. Bank of America allows direct deposits to either account type, so choose whichever matches your form.
Do not provide your PIN, password, or full debit card number. Direct deposit forms never ask for these.
How long direct deposit takes to start
Once your employer or benefits program receives your completed form, it typically takes one to two pay periods for the direct deposit to begin. Some programs process faster; others take longer. Your employer or benefits administrator can tell you their specific timeline.
Until the direct deposit is active, you will continue receiving payment by check, ACH transfer, or whatever method was in place before. Do not assume the direct deposit has failed if it does not appear on the first scheduled pay date; wait through at least one full pay cycle.
If your direct deposit is not working
If you submitted your direct deposit form weeks ago and the money still has not arrived, contact your employer's payroll department or the benefits program first. They can confirm whether they received the form, whether they entered your information correctly, and whether they sent it to the bank.
If the program says they sent it correctly, call Bank of America at 1-800-432-1000 and ask whether any direct deposits have been attempted to your account. Bank of America can see incoming ACH transfers and can tell you if the bank rejected one due to a mismatched account number or routing number.
The most common cause of failure is a typo in the account number or routing number. If Bank of America confirms no deposits arrived, ask your employer or benefits program to double-check the numbers you provided and resubmit if needed.
Setting up direct deposit through the Bank of America app or website
Bank of America does not let you initiate direct deposit through their app or website. You cannot tell the bank to pull money from your employer; your employer must push the money to you. The bank's role is to receive and deposit the funds once your employer sends them.
What you can do in the Bank of America app is confirm your routing and account numbers, set up alerts for incoming deposits, and manage how the money is split between accounts if you have multiple Bank of America accounts. These tools help you track direct deposits once they start arriving, but they do not set up the direct deposit itself.
Frequently Asked Questions
Can I set up direct deposit by mail to Bank of America?
No. Bank of America does not accept direct deposit setup requests by mail. You complete the form provided by your employer or benefits program and return it to them. They handle sending your information to the banking system.
What if I have multiple Bank of America accounts?
Specify which account you want the direct deposit to go to by providing that account's number on the form. Make sure the routing number matches the account type (checking or savings) you are using. If you want deposits split between two accounts, some employers allow that on the same form; ask your payroll department.
Is the routing number 026009593 correct for all Bank of America accounts?
It is correct for most accounts, but some specialty accounts or accounts opened through employer programs may use a different routing number. Check your account details in the app or call 1-800-432-1000 to confirm before submitting the form.
What happens if I give my employer the wrong account number?
The direct deposit will either fail to process or go to a different account. Contact your employer immediately to correct the information. They can resubmit the form with the correct number, and the next deposit should go to the right place.
Do I need to do anything at Bank of America to receive direct deposits?
No. Your account is already set up to receive direct deposits. You only need to provide your routing and account numbers to your employer or benefits program. Bank of America will accept the deposit automatically once it arrives.