Bank of America routing numbers depend on which state your account is in
Bank of America uses different routing numbers based on the state where your account was opened or is maintained. The routing number is a nine-digit code that tells the banking system which Bank of America branch or processing center handles your account. When you send a wire transfer, you need the routing number that matches your account's location, not the location where you are physically sending the wire from.
The most commonly used Bank of America routing number is 026009593, which covers many states including California, Texas, Florida, and others. However, if your account is in New York, the routing number is 021000018. Bank of America maintains separate routing numbers for different regions because the Federal Reserve system routes transfers through regional processing centers.
Using the wrong routing number will not stop your wire transfer, but it may delay it by a day or more while the banking system reroutes it to the correct location. The receiving bank will eventually figure out where your money needs to go, but you will not know the transfer is delayed until you check with your bank or the recipient asks why the funds have not arrived.
Key Takeaways
- Bank of America routing numbers vary by state, with 026009593 covering most states and 021000018 for New York accounts.
- The routing number must match the state where your Bank of America account is located, not where you are sending the wire from.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Using an incorrect routing number will not reject your wire transfer but may delay it by one or more business days.
- When sending a wire, you will also need the recipient's account number, bank name, and bank routing number — the routing number alone is not enough.
Where to find your Bank of America routing number
The easiest place to find your routing number is on a check from your checking account. Look at the bottom left corner of the check. You will see three groups of numbers: the routing number (nine digits), your account number, and the check number. The routing number is always the first group on the left.
If you do not have a check, log into your Bank of America online banking account or mobile app. Go to the account details or account information section — the exact location varies depending on whether you are using the website or app, but it is usually under "Account" or "Settings." Your routing number will be listed there along with your account number.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. Have your account number ready, and they will confirm it over the phone. This is the slowest method if you need the number right away, but it is useful if you want to verify you have the correct number before sending a large wire transfer.
Routing numbers for different Bank of America account types
Bank of America uses the same routing number for checking accounts, savings accounts, and money market accounts within the same state. The routing number is tied to your account location, not the type of account. This means if you have both a checking and savings account at Bank of America in the same state, both accounts share the same routing number.
If you have accounts in multiple states — for example, a checking account in California and a savings account in New York — each account will have a different routing number. When you send a wire from one account, use the routing number for that specific account's state. Bank of America's online banking system will show you the routing number for each account separately if you have multiple accounts.
Common Bank of America routing numbers by state
| State or Region | Routing Number |
| California, Texas, Florida, Illinois, and most other states | 026009593 |
| New York | 021000018 |
| Connecticut | 011000015 |
| New Jersey | 021202337 |
This table covers the most common Bank of America routing numbers, but Bank of America maintains additional routing numbers for other states and territories. If your state is not listed here, check your checks or your online banking account to find the correct routing number for your location. Bank of America's website also has a complete routing number lookup tool if you search for "routing number" on their site.
The routing number you need depends entirely on where your account is registered, not on where you currently live or where you are sending the money. If you opened your account in Texas but moved to Oregon, your routing number remains the Texas one unless you close that account and open a new one in Oregon.
What happens if you use the wrong routing number
If you send a wire transfer with an incorrect Bank of America routing number, the wire will not be rejected immediately. Instead, the receiving bank or the Federal Reserve will attempt to correct the routing and send the funds to the right place. This process typically adds one to three business days to your transfer time.
During this delay, your money is in transit but not yet in the recipient's account. If the recipient is waiting for the funds on a specific date — for example, to pay a bill or complete a purchase — the delay can cause problems. Some recipients may think the wire never went through and ask you to send it again, which could result in duplicate transfers if the original one eventually arrives.
The safest approach is to double-check your routing number before you initiate the wire. Most banks, including Bank of America, allow you to review all the details of your wire transfer before you confirm it. Take 30 seconds to verify the routing number matches what you see on your check or in your account information.
Routing number versus account number in wire transfers
The routing number and account number are two different pieces of information, and you need both to send a wire transfer. The routing number identifies which bank or branch processes your account. The account number identifies your specific account within that bank. Think of the routing number as the bank's address and the account number as your mailbox number inside that address.
When you set up a wire transfer at Bank of America, you will enter your own routing number and account number to tell the system which account the money is leaving from. You will also enter the recipient's routing number and account number so the money knows where to go. If you mix up the routing number and account number, or enter them in the wrong order, the wire will fail or go to the wrong place.
Frequently Asked Questions
Do I need a different routing number if I am sending money to another country?
No, your Bank of America routing number stays the same for international wire transfers. However, the recipient's bank may use a different system called a SWIFT code or IBAN number instead of a routing number. Bank of America will ask you for the recipient's SWIFT code or IBAN when you send money internationally, not their routing number.
Can I use the same routing number for ACH transfers and wire transfers?
Yes, Bank of America uses the same routing number for both ACH transfers (which take one to three business days) and wire transfers (which are usually same-day or next-day). The routing number identifies your bank account location regardless of the transfer method you choose.
What if my Bank of America account is in one state but I moved to another state?
Your routing number does not change when you move. It remains tied to the state where your account was originally opened. If you want a routing number for your new state, you would need to open a new Bank of America account in that state. Most people keep their original routing number even after moving.
Is the routing number on my debit card the same as my account routing number?
Your debit card does not have a routing number printed on it. The routing number only appears on checks and in your online banking account. If someone asks for your routing number and debit card number together, they are asking for two separate pieces of information — do not assume one is on the card.
Can I look up someone else's Bank of America routing number?
No, you cannot look up another person's routing number because it depends on the state where their account is located, which you may not know. Instead, ask the person directly for their routing number and account number, or ask them to provide a voided check. This is the only reliable way to get the correct information for sending them money.