Bank of America's ABA number for wire transfers is 026009593
Bank of America uses the routing number 026009593 for domestic wire transfers sent to or from most of its accounts. This nine-digit code, also called an ABA (American Bankers Association) number, tells the sending bank which financial institution should receive the money and where to route it within the banking system.
However, the routing number can vary depending on which state your Bank of America account is located in and what type of account you have. Before you wire money, confirm the correct routing number for your specific branch and account, because using the wrong number can delay your transfer or send money to the wrong place.
Key Takeaways
- Bank of America's most common routing number for wire transfers is 026009593, but some accounts use different routing numbers based on state and account type.
- You can find your account's correct routing number by calling Bank of America customer service, checking your checkbook, or logging into your online banking portal.
- The routing number for wire transfers is sometimes different from the routing number used for ACH transfers or check processing, so always confirm which one you need.
- When sending a wire, you will need the recipient's routing number, account number, and full name to complete the transfer.
Where to find your Bank of America routing number
The easiest way to find your routing number is to log into your Bank of America online banking account or mobile app. Look for account details or account information — the routing number is usually listed there alongside your account number.
If you have a Bank of America checkbook, the routing number appears at the bottom left of each check, printed as the first nine digits before your account number. You can also call Bank of America customer service at 1-800-432-1000 and ask for your account's wire transfer routing number. Have your account number ready when you call.
Why routing numbers vary by state and account type
Bank of America operates in multiple states and acquired banks in different regions over time. When those acquisitions happened, some of the older routing numbers remained in use for accounts opened at those branches. Your account's routing number depends on which state your account was originally opened in, not necessarily where you live now.
Additionally, Bank of America may use different routing numbers for different transaction types. A routing number for a wire transfer might differ from the routing number for an ACH transfer (like a direct deposit or automatic bill payment) or for processing checks. Always ask which routing number applies to the specific type of transaction you are making.
What information you need to send a wire transfer
To send money by wire through Bank of America, you will need to provide the recipient's routing number, their account number, and their full name exactly as it appears on their account. You will also need to specify the amount and provide any details about what the wire is for (though this is optional for most transfers).
If you are sending money to someone outside the United States, you may also need the recipient's SWIFT code (an international equivalent of a routing number) and their bank's address. Bank of America can tell you whether you need additional information when you initiate the wire.
How to send a wire transfer through Bank of America
You can send a wire transfer through Bank of America online, through the mobile app, by phone, or in person at a branch. Online and mobile transfers are usually the fastest — you can initiate them anytime and they typically process within one business day. Phone and in-person transfers may take slightly longer to process.
Bank of America charges a fee for outgoing wire transfers, usually between $15 and $30 depending on whether the wire is domestic or international. The fee is deducted from your account when you send the wire. Once a wire transfer is sent, it generally cannot be stopped or reversed, so double-check all the recipient information before you confirm.
Common mistakes to avoid when wiring money
The most common error is using the wrong routing number, which can send your money to the wrong bank or delay the transfer while it gets sorted out. Always verify the routing number with the recipient or their bank before you send the wire, not just by asking the recipient to tell you what it is.
Another frequent mistake is mistyping the recipient's account number or name. Even a single digit wrong in the account number can route the money to someone else's account at the correct bank. Many banks will not catch this error automatically, so the money may be sent to the wrong person. Type the information carefully and have someone else read it back to you before you submit the wire.
Frequently Asked Questions
Is 026009593 the routing number for all Bank of America accounts?
No. While 026009593 is the most common Bank of America routing number, some accounts use different routing numbers depending on the state where the account was opened and the type of account. Always confirm your specific routing number before sending a wire.
Can I use the same routing number for wire transfers and ACH transfers?
Not always. Bank of America may use different routing numbers for wire transfers versus ACH transfers or check processing. Ask Bank of America which routing number applies to the specific type of transfer you are making.
What happens if I send a wire to the wrong routing number?
The wire may be sent to a different bank or delayed while the banking system tries to sort it out. Contact Bank of America immediately if you realize you used the wrong routing number. They may be able to stop the transfer or help you recover the money, but this is not always possible once a wire has been sent.
How long does a Bank of America wire transfer take?
Domestic wire transfers typically arrive within one business day, often within a few hours. International wire transfers can take three to five business days depending on the destination country and the recipient's bank. Weekends and holidays can add extra time.
Do I need a SWIFT code to send money internationally from Bank of America?
Yes, for most international wire transfers you will need the recipient's SWIFT code in addition to their routing number and account number. Bank of America can tell you what information is required for the specific country you are sending money to.