Bank of America's ACH routing number is 011000015 for most accounts, but the correct number depends on which state your account is held in

Bank of America uses different ACH routing numbers based on the state where your account was opened. The number 011000015 works for most Bank of America customers across the country, but some states have their own routing numbers. Before you give out a routing number for an ACH transfer, confirm which one applies to your specific account — using the wrong one will delay the transfer or send money to the wrong place.

The routing number is a nine-digit code that tells the ACH network which bank to pull money from or send money to. It is not the same as your account number, and it is not secret — you can share it freely. What matters is that it matches the state and account type you actually have.

Key Takeaways

  • Bank of America's primary ACH routing number is 011000015, which covers most states and account types.
  • Some states have separate routing numbers, so you should verify yours by calling Bank of America or checking your account documents.
  • Your routing number appears on the bottom left of your checks, or you can find it through your online banking login.
  • Using the wrong routing number will not send your money to a stranger, but it may delay the transfer or cause it to fail.

Where to find your Bank of America ACH routing number

The fastest way is to look at a check from your Bank of America account. The routing number is the first nine digits printed on the bottom left of the check, before your account number. If you do not have checks, log into your Bank of America online banking account or mobile app and go to Account Details or Account Information — the routing number is usually listed there.

You can also call Bank of America customer service at 1-800-432-1000 and ask for your ACH routing number. Have your account number ready. The representative will confirm the correct number for your account type and state.

State-specific routing numbers for Bank of America

Most Bank of America customers use 011000015, but a few states have separate routing numbers. These include California, Texas, Florida, New York, and a handful of others. If your account was opened in one of these states, your routing number may be different from the standard one.

The easiest way to know for certain is to check your checks or call the bank directly. Do not guess — if you use the wrong routing number, the ACH transfer may fail or take longer to process. Bank of America will not send your money to the wrong person, but the transfer could bounce back to the sender, and you will have to start over.

The difference between routing number and account number

Your routing number identifies Bank of America itself (or your specific Bank of America location). Your account number identifies your specific account within the bank. For an ACH transfer, you need both — the routing number tells the ACH network which bank to contact, and the account number tells that bank which account to pull from or deposit to.

When you set up a transfer, you will be asked for both pieces of information. The routing number goes in one field, the account number in another. Mixing them up is a common mistake, so double-check before you submit.

What happens if you use the wrong routing number

If you enter a routing number that does not belong to Bank of America, the ACH network will reject the transfer outright. If you enter a Bank of America routing number that is not the one tied to your account, the transfer may still go through, but it could be delayed or sent to the wrong branch, which will then have to reroute it.

In either case, the money does not disappear and does not go to a stranger. The ACH system is designed to catch mismatches and either reject the transfer or send it back to the originating bank. The sender will be notified, and you can resubmit with the correct routing number. It just costs you time.

Using your routing number safely

Your routing number is public information — it appears on every check you write and is not a security risk to share. You can give it to employers for direct deposit, to creditors for automatic payments, or to anyone else who needs to send you money via ACH. It does not give anyone access to your account or your money.

What you should never share is your full account number combined with your routing number, your PIN, or your online banking password. The routing number alone cannot be used to withdraw money or make unauthorized transfers.

Frequently Asked Questions

Is the routing number on my debit card the same as my ACH routing number?

No. Your debit card has a routing number printed on it, but it may not be the same as your ACH routing number. Always use the ACH routing number for wire transfers and automatic payments, not the number from your card. Check your checks or call the bank to confirm.

Can I use 011000015 for all Bank of America ACH transfers?

It works for most accounts, but some states have different routing numbers. Verify your specific routing number before you submit a transfer. Calling the bank takes two minutes and prevents delays.

What if Bank of America closed my local branch?

Your routing number does not change when a branch closes. Bank of America will reassign your account to another branch, but your routing number stays the same. You do not need to do anything.

Do I need a different routing number for incoming and outgoing ACH transfers?

No. The same routing number works whether money is coming in or going out of your account. It identifies your bank, not the direction of the transfer.