Bank of America's ABA number is 011000015, but you should verify it matches your specific branch and account type before sending money

Bank of America uses a single ABA number (American Banker Association routing number) for most wire transfers: 011000015. This nine-digit code tells the banking system which financial institution should receive your wire transfer. However, the correct number can depend on which state your account is held in, which type of account you have, and whether you're sending a domestic or international wire. Verifying the right number before you wire money prevents delays and rejected transfers.

The ABA number is not the same as your account number. Your account number identifies your specific account within Bank of America; the ABA number identifies Bank of America itself within the national banking network. You need both pieces of information to complete a wire transfer.

Key Takeaways

  • Bank of America's primary ABA number for wire transfers is 011000015, but some branches and account types may use different routing numbers.
  • You can find your specific routing number by logging into your Bank of America online account, calling customer service, or checking the bottom left corner of your checks.
  • Always confirm the ABA number with Bank of America directly before initiating a wire transfer, especially for large amounts or international transfers.
  • The ABA number is different from your account number; you need both to complete a wire transfer.
  • Wire transfer fees at Bank of America typically range from $15 to $30 for domestic transfers, depending on whether the receiving bank is domestic or international.

Where to find your Bank of America routing number

The fastest way to find your specific routing number is to log into your Bank of America online account or mobile app. Go to your account details or settings, and look for "routing number" or "ABA number." The number will be listed alongside your account number.

If you don't have online access, call Bank of America customer service at 1-800-432-1000. A representative can confirm the correct routing number for your account type and location. You can also check the bottom left corner of your checks — the first nine digits printed there are your routing number.

For wire transfers, Bank of America may provide different routing numbers depending on whether you're sending money domestically or internationally. Ask the representative which number applies to your specific transfer before you proceed.

Why routing numbers vary by account type and location

Bank of America operates in multiple states and offers different account products — checking, savings, money market, and business accounts. Some of these accounts route through different processing centers, which means they may have different ABA numbers associated with them.

State-specific routing numbers are less common at large national banks like Bank of America, but they do exist in some cases. If you opened your account in a particular state or if you have a specialty account (such as a business or trust account), your routing number may differ from the standard 011000015.

The safest approach is to never assume. Always pull your routing number from your own account information rather than relying on a number you find online or hear from someone else.

Confirming the number before you wire

Once you have a routing number, verify it with Bank of America one more time before you initiate the wire. Call the customer service number on the back of your debit card or check, or use the secure message feature in your online account. This step takes five minutes and prevents wires from being sent to the wrong institution or delayed while the banking system tries to sort out the error.

If you're sending a large wire or an international transfer, ask the representative to confirm not only the ABA number but also any additional information the receiving bank might need — such as a SWIFT code for international transfers or a specific wire instructions code.

Wire transfer fees and timing at Bank of America

Bank of America charges a fee for outgoing wire transfers. Domestic wire transfers (within the United States) typically cost $15 to $30, depending on whether you initiate the wire online, by phone, or in person. International wire transfers cost more — usually $45 or higher — because they involve currency conversion and additional processing steps.

Wire transfers usually process the same business day if you send them before the bank's cutoff time, which is typically 2 p.m. Eastern Time on weekdays. Transfers sent after the cutoff or on weekends may not process until the next business day. The receiving bank may take an additional one to two business days to credit the funds to the recipient's account.

What to do if your wire is delayed or rejected

If you provide an incorrect routing number, the wire may be rejected by the receiving bank or sent to the wrong institution. Bank of America can sometimes retrieve the funds, but this process can take several days or longer. If your wire doesn't arrive within the expected timeframe, contact Bank of America immediately with your wire confirmation number (which you receive when you send the transfer).

Keep your wire confirmation number and the routing number you used in a safe place until the transfer is complete. This information helps Bank of America trace the wire if something goes wrong.

Frequently Asked Questions

Is 011000015 the routing number for all Bank of America accounts?

011000015 is Bank of America's primary routing number and works for most accounts, but some account types or locations may use a different number. Always check your own account information rather than assuming this number applies to you.

Can I use my account number instead of the routing number for a wire transfer?

No. The routing number and account number serve different purposes. The routing number identifies the bank; the account number identifies your specific account within that bank. You need both for a wire transfer to work.

What's the difference between a routing number and a SWIFT code?

A routing number (ABA number) is used for domestic wire transfers within the United States. A SWIFT code is used for international wire transfers and identifies the bank globally. Bank of America's SWIFT code is BOFAUS3N, but you'll only need it for transfers outside the U.S.

How long does a Bank of America wire transfer take?

Domestic wire transfers usually process the same business day if sent before 2 p.m. Eastern Time. The receiving bank may take an additional one to two business days to credit the funds. International transfers typically take three to five business days.

What should I do if I sent a wire to the wrong routing number?

Contact Bank of America immediately with your wire confirmation number. The bank may be able to recall the transfer or retrieve the funds, but this process takes time. The sooner you report the error, the better your chances of recovery.