Bank of America's ABA routing number depends on which state your account is in
Bank of America does not use a single routing number for all accounts. The ABA routing number — also called a routing transit number or RTN — changes based on the state where your account was opened and the type of account you hold. For wire transfers, you need the correct routing number for your specific branch location, not a general corporate number.
The most common Bank of America routing number for domestic wire transfers is 026009593, which covers most accounts opened in California and several other western states. However, if your account is in New York, Florida, Texas, or another state, your routing number will be different. Using the wrong number can delay your wire transfer or cause it to be rejected entirely.
Key Takeaways
- Bank of America routing numbers vary by state and account type, so you cannot assume one number works for all accounts.
- Your account statement, online banking portal, or the official Bank of America routing number lookup tool will show your correct routing number.
- The routing number for wire transfers is the same as the one used for ACH transfers and direct deposits to your account.
- If you send a wire with an incorrect routing number, the receiving bank may reject it or send it to the wrong institution, delaying your transfer by days.
Where to find your Bank of America routing number
The fastest way to find your routing number is to log into your Bank of America online account or mobile app. Look for your account details or account summary page — the routing number is usually listed there alongside your account number. This guarantees you have the number tied to your specific account.
If you do not use online banking, check a recent check from your checking account. The routing number appears as the first nine digits at the bottom left of the check, before your account number. This is the routing number for your account specifically.
You can also call Bank of America customer service at 1-800-432-1000 and provide your account number. A representative will confirm your routing number over the phone. Bank of America also maintains a routing number lookup tool on its website where you can search by state and account type.
Why routing numbers differ by state
Bank of America operates through regional banking centers in different states. When you open an account, it is assigned to the processing center in the state where you opened it, and that center has its own routing number. This system dates back to the days when banking was more localized, and the Federal Reserve still uses it to sort and process payments.
Even if you move to a different state or conduct all your banking online, your account keeps its original routing number. Changing it would require closing and reopening your account, which is why Bank of America does not reassign routing numbers based on where you currently live.
Common Bank of America routing numbers by region
| Region / State | Routing Number |
|---|---|
| California and Western states | 026009593 |
| New York | 021000018 |
| Florida | 061000052 |
| Texas | 111000025 |
| Illinois | 071101307 |
| Pennsylvania | 031000084 |
This table shows the most common routing numbers, but it is not exhaustive. Bank of America has additional routing numbers for other states and for specific account types like trust accounts or business accounts. Always verify your routing number through your account statement or online banking rather than relying on a general list.
What happens if you use the wrong routing number
If you send a wire transfer with an incorrect routing number, the receiving bank may reject it outright. The wire will bounce back to Bank of America, which will then return it to you. This process typically takes three to five business days, and your money sits in limbo during that time.
In some cases, the wire may be sent to a different bank that happens to have a similar routing number. That bank will reject it because the account number does not match their records, and again the wire bounces back. The sender (you) is responsible for verifying the routing number before initiating the transfer.
To avoid this, double-check the routing number against your account statement or online banking before you wire any money. If you are sending money to someone else, ask them to confirm their bank's routing number through their own account statement, not over the phone or email.
Routing numbers versus account numbers and SWIFT codes
Your routing number identifies the bank or branch where your account is held. Your account number identifies your specific account within that bank. Together, they tell the sending bank where to send your money. For domestic wire transfers within the United States, you need only the routing number and account number.
If you are sending money to a Bank of America account outside the United States, you will need a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. SWIFT codes work internationally the way routing numbers work domestically. Do not confuse the two — using a SWIFT code for a domestic transfer or a routing number for an international one will cause the transfer to fail.
How to verify a routing number before sending a wire
Before you send any wire transfer, log into your Bank of America account and confirm the routing number shown in your account details. Write it down or take a screenshot. Then, in the wire transfer form, enter the routing number and account number of the recipient and review the preview screen carefully. Most banks show you the recipient's name and bank name on the preview — if something looks wrong, do not send the transfer.
If you are wiring money to someone else's account, ask them to provide their routing number from their own account statement or online banking. Do not rely on a number they give you verbally or in an email, because mistakes happen and you cannot undo a wire transfer once it is sent.
Frequently Asked Questions
Can I use the same routing number for ACH transfers and wire transfers?
Yes. Bank of America uses the same routing number for wire transfers, ACH transfers, and direct deposits. The routing number identifies your bank and account location, not the type of transfer. You do not need to look up a different number for each payment method.
What if my Bank of America account is in one state but I live in another?
Your routing number stays tied to the state where you opened the account. If you opened your account in California but now live in New York, you still use the California routing number. Bank of America does not reassign routing numbers based on where you currently live or work.
Is the routing number on my debit card the same as my account routing number?
Your debit card does not display a routing number. The routing number comes from your account statement, online banking, or a check. The card itself only shows your card number, expiration date, and CVV. For wire transfers, always use the routing number from your account, not from your card.
Can I wire money using just my account number without a routing number?
No. A wire transfer requires both the routing number and the account number. The routing number tells the Federal Reserve which bank to send the money to, and the account number tells that bank which account within the bank should receive it. Without the routing number, the bank cannot process the transfer.
What should I do if Bank of America tells me my routing number is wrong?
Call Bank of America customer service at 1-800-432-1000 and ask them to confirm your routing number while you have your account number ready. If they confirm a different number than what you have been using, update your records immediately. If a wire transfer has already been sent with the wrong number, ask the bank to trace it and attempt to recover it, though this is not always possible.