Bank of America's direct deposit routing number and address

Bank of America's routing number for direct deposit is 026009593. This nine-digit code tells your employer's payroll system which bank and branch to send your money to. You will also need your account number, which appears on the bottom left of your checks or in your online banking dashboard.

You do not mail direct deposit forms to a physical Bank of America address. Instead, you give your employer or the organization sending the payment your routing number and account number. Your employer's payroll department enters this information into their system, and the money moves electronically on payday. If you are setting up direct deposit for a government benefit, Social Security, or a tax refund, you will enter the routing and account numbers into that agency's online portal or form — not send anything to Bank of America itself.

If you need to verify your routing number or account number, log into your Bank of America online account, call 1-800-432-1000, or visit a local branch. Bank of America branches are in all 50 states, and you can find the nearest one using their branch locator on their website.

Key Takeaways

  • Bank of America's routing number for direct deposit is 026009593, and you provide this along with your account number to your employer or benefit payer.
  • Direct deposit does not require mailing anything to Bank of America — the routing and account numbers are entered into your employer's or agency's payroll system.
  • Your account number appears on your checks or in your online banking account, and you can confirm both numbers by calling 1-800-432-1000 or visiting a branch.
  • Different Bank of America branches may have different routing numbers if you have an account at a specific location, so verify the number matches your account type.

How to find your account number

Your Bank of America account number is a 10-digit code. The easiest way to find it is to log into your online account or mobile app — it appears in your account details or on any statement. You can also look at the bottom of any check you have; the account number is the middle set of numbers between the routing number on the left and the check number on the right.

If you do not have checks or online access, call Bank of America at 1-800-432-1000 with your ID ready. A representative can read your account number to you over the phone. You can also visit a Bank of America branch in person with your ID, and a teller will provide the number.

What information your employer needs from you

Your employer's payroll department will ask for your routing number, account number, and the type of account (checking or savings). They may also ask whether the account is at Bank of America or another bank — make sure you tell them Bank of America so they use the correct routing number.

Some employers use a form you fill out; others have you enter the information online through their payroll portal. Either way, you will provide the same three pieces of information. Double-check the numbers before submitting — a mistake in either the routing or account number means your paycheck goes to the wrong place, and it can take several days to correct.

Setting up direct deposit for government payments

If you are setting up direct deposit for Social Security, a tax refund, unemployment benefits, or another government payment, the process is similar but the form is different. You will go to the agency's website or call their number, and they will ask for your routing number and account number. The IRS, Social Security Administration, and state unemployment offices all have online portals where you can enter this information yourself.

Government agencies verify your information before processing, which usually takes one to three business days. After that, payments arrive on a set schedule — Social Security on the third of each month, tax refunds within 21 days of approval, and unemployment benefits on your state's regular payment day. Keep your routing and account numbers the same unless you change banks; if you do change banks, you will need to update the information with each agency.

What to do if direct deposit is not working

If your paycheck did not arrive on payday, first check with your employer to confirm they submitted the direct deposit request. Payroll systems sometimes have a delay between when you submit your information and when the first payment processes — it can take one or two pay periods to start. Ask your employer whether they have received confirmation that the direct deposit was accepted.

If your employer confirms the information was sent, contact Bank of America at 1-800-432-1000 to verify the routing and account numbers are correct. A representative can check whether a deposit is pending or if there was an error in the numbers. If the numbers were wrong, your employer will need to resubmit with the correct information, and the next paycheck should arrive on schedule.

If a government payment did not arrive, go to the agency's website and check the status of your payment. Most agencies show whether the payment was sent, when it was sent, and to which account. If the status shows the payment was sent but you did not receive it, contact Bank of America to confirm the account is active and the routing number is correct.

Routing number variations by account type

Bank of America has one main routing number for direct deposit: 026009593. However, if you have an account at a specific Bank of America branch or a specialized account type, there may be a different routing number. This is rare, but it can happen with older accounts or accounts opened at a particular location.

The safest approach is to verify your routing number directly with Bank of America rather than assuming it is the standard number. Log into your online account, call 1-800-432-1000, or ask a teller at your branch. They can confirm the exact routing number for your account and account type, which takes less than a minute.

Frequently Asked Questions

Can I use the same routing number for checking and savings accounts?

Yes, Bank of America uses the same routing number (026009593) for both checking and savings accounts. You will still need to provide your specific account number so the money goes to the right account, but the routing number is the same regardless of account type.

What if I have multiple Bank of America accounts?

You can set up direct deposit to any of your Bank of America accounts. Use the same routing number for all of them, but make sure you provide the correct account number for whichever account you want the deposit to go to. If you want deposits split between two accounts, some employers allow you to set that up in their payroll system.

Do I need to contact Bank of America to set up direct deposit?

No. You only contact your employer or the benefit-paying agency. Bank of America receives the direct deposit information through the banking system and deposits the money automatically. You do not need to notify Bank of America in advance.

What happens if I give my employer the wrong routing number?

Your paycheck will go to the wrong bank or account. Contact your employer immediately and provide the correct routing number. They will need to resubmit the direct deposit request, and the next paycheck should go to the right place. The incorrect payment may be returned to your employer, who can then reissue it.

How long does it take for direct deposit to start after I give my employer my information?

It usually takes one to two pay periods. Your employer needs time to enter the information into their payroll system and submit it to the banking network. After that, deposits arrive automatically on payday. If it takes longer than two pay periods, contact your employer to confirm they submitted the request.