Bank of America's ABA number for domestic wires is 011000015

Bank of America uses the routing number 011000015 for wire transfers sent within the United States. This nine-digit code identifies Bank of America as the receiving bank and tells the sending bank where to direct the money. You will need this number when you are sending a wire to someone with a Bank of America account, or when you are providing wire instructions to someone sending you money.

The ABA number (also called a routing number or routing transit number) is different from your account number. Your account number identifies your specific account within the bank; the ABA number identifies the bank itself. Both are required to complete a wire transfer.

Bank of America has multiple routing numbers depending on the type of transaction and the state where your account is held. The number 011000015 works for most domestic wire transfers to Bank of America accounts, regardless of which state the account is in. However, some older accounts or accounts opened in specific states may have different routing numbers, so it is worth confirming with the recipient or with Bank of America directly if you are unsure.

Key Takeaways

  • Bank of America's standard ABA number for domestic wires is 011000015, and this number works for most wire transfers to Bank of America accounts across the United States.
  • The ABA number identifies the bank, while your account number identifies your specific account — you need both to send or receive a wire.
  • You can confirm the correct routing number by calling Bank of America at 1-800-432-1000, checking your bank statements, or logging into your online account.
  • International wire transfers to Bank of America accounts use a different code called a SWIFT code (BOFAUS3N for most Bank of America locations) rather than an ABA number.

Where to find your Bank of America routing number

The easiest place to find Bank of America's routing number is on the bottom left of your checks. The first nine digits printed at the bottom of a check are the routing number. If you do not have checks, you can log into your Bank of America online account or mobile app and look under account details or account information — the routing number is usually listed there.

You can also call Bank of America's customer service line at 1-800-432-1000 and ask for the routing number for wire transfers. A representative can confirm the correct number for your specific account type and location. This is especially useful if you have an older account or if you want to double-check before sending a large wire.

The difference between ABA numbers and SWIFT codes

The ABA number (011000015) is used only for domestic wires — transfers between U.S. banks. If you are sending money to a Bank of America account outside the United States, or if you are receiving a wire from outside the U.S., you will need a different code called a SWIFT code.

Bank of America's SWIFT code for most locations is BOFAUS3N. SWIFT codes are eight or eleven characters long and are used by the international banking system to route money across borders. Some Bank of America branches in other countries may have different SWIFT codes, so if you are dealing with an international wire, confirm the code with the recipient or with Bank of America before sending.

What information you need to send a wire to Bank of America

To send a wire to someone with a Bank of America account, you will need to provide your bank with several pieces of information. The recipient's full name, Bank of America account number, and the routing number 011000015 are the essentials. You will also need to specify the amount and provide any special instructions or a reference number if needed.

Some banks ask for additional details, such as the recipient's address or the specific Bank of America branch location. It is a good idea to contact your own bank before sending a wire to ask what information they require. Most banks allow you to send wires online, by phone, or in person at a branch.

Wire transfer fees and timing

Bank of America typically charges a fee for outgoing domestic wire transfers, though the amount varies depending on whether you send the wire online or through a branch. Incoming wires to your Bank of America account are usually free. Check your account agreement or call Bank of America to confirm the current fee for your account type.

Domestic wires sent before the bank's cutoff time (usually around 2 p.m. Eastern time on business days) typically arrive the same day. Wires sent after the cutoff or on weekends and holidays may not process until the next business day. International wires take longer — usually three to five business days — because they pass through multiple banks and clearing systems.

Common mistakes when providing wire instructions

The most common error is confusing the routing number with the account number. The routing number (011000015) is the same for all Bank of America customers sending domestic wires; the account number is unique to each person. If you reverse these, the wire will be sent to the wrong place or rejected entirely.

Another frequent mistake is using an outdated routing number. While 011000015 is the current standard for Bank of America domestic wires, some very old accounts or accounts in specific states may have been assigned different numbers. If a wire fails or bounces back, the routing number is usually the culprit. Always confirm the number with the recipient or with Bank of America before sending a large amount.

Typos in the account number are also common and can cause wires to fail. Double-check the account number character by character before submitting the wire, especially if you are copying it from an email or text message.

Frequently Asked Questions

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

Yes, 011000015 is the standard routing number for domestic wire transfers to any Bank of America account in the United States. Some very old accounts or accounts opened in specific states decades ago may have different routing numbers on file, but this is rare. If a wire fails, contact Bank of America to confirm the correct number for that specific account.

What is the difference between a wire transfer and an ACH transfer?

Wire transfers and ACH transfers both move money between banks, but they work differently. Wire transfers use the ABA routing number, are faster (usually same-day), and cost more. ACH transfers use a different routing number, take several business days, and are usually free. Bank of America can help you choose which method is right for your situation.

Can I send a wire to Bank of America from another bank?

Yes. If you have an account at a different bank and want to send money to someone with a Bank of America account, provide your bank with the recipient's name, account number, and Bank of America's routing number 011000015. Your bank will handle the rest of the process.

What should I do if my wire to Bank of America was rejected?

Contact your bank first to find out why the wire failed — it is usually an incorrect account number or routing number. Once you know the reason, correct the information and try again. If the problem persists, call Bank of America directly at 1-800-432-1000 to confirm the correct account number and routing number with the recipient's bank.