Bank of America's domestic wire routing number is 011000015
Bank of America uses the routing number 011000015 for domestic wire transfers within the United States. This nine-digit code tells the sending bank which Federal Reserve facility and which Bank of America branch will receive the wire. You will need this number when you are sending money from another bank to a Bank of America account, or when you are instructing someone else to wire money to you at Bank of America.
The routing number is the same regardless of which state your Bank of America account is in. Do not confuse this with your account number — the routing number identifies the bank itself, while your account number identifies your specific account within that bank. A wire transfer requires both pieces of information to reach the correct destination.
Key Takeaways
- Bank of America's domestic wire routing number is 011000015, and it works for all U.S. wire transfers to any Bank of America account.
- You need both the routing number and the recipient's account number for a wire to go through; the routing number alone will not complete the transfer.
- The routing number is different from the ABA number you might see on checks, though Bank of America's happens to be the same in this case.
- If you are sending a wire from Bank of America to another bank, you will need that bank's routing number instead, not Bank of America's.
- Wire transfers typically settle within one business day, but the sending bank may hold funds for verification before releasing them.
When you need Bank of America's routing number
You need this routing number when someone outside of Bank of America is sending you money by wire. If your employer, a client, or another individual is wiring funds to your Bank of America account, they will ask you for the routing number. You provide it along with your account number and your name so the sending bank knows where to direct the money.
You do not need Bank of America's routing number if you are the one initiating the wire from your Bank of America account. In that case, you will need the routing number of the bank that is receiving the money — the destination bank, not your own.
How to find your Bank of America account number
Your account number appears on the bottom left of your Bank of America checks, right after the routing number. It is typically 10 digits long. You can also find it by logging into your Bank of America online account, calling 1-800-432-1000, or visiting a branch in person with your ID.
When you give someone the routing number and account number together, write them clearly or read them aloud slowly. A single digit wrong in either number will send the wire to the wrong account or cause the transfer to fail. Some people photograph their check or write down both numbers in advance to avoid mistakes when they are giving the information over the phone.
Routing number versus ABA number
The routing number and the ABA (American Bankers Association) number are the same thing — the terms are used interchangeably. Bank of America's ABA number is 011000015, which is identical to its routing number. You may see either term used in forms or instructions, but they refer to the same nine-digit code.
Some older documents or systems may use "ABA number" while newer ones say "routing number," but they mean the same identifier. If you see a form asking for either one, enter 011000015.
What happens after you provide the routing number
Once the sending bank has your routing number and account number, they will initiate the wire through the Federal Reserve's wire transfer system. The Federal Reserve uses the routing number to direct the message to the correct Bank of America processing center. Bank of America then matches the account number to your specific account and deposits the funds.
Most domestic wires arrive within one business day. However, the sending bank may place a hold on the funds for verification purposes, which can delay when the money becomes available in your account. Bank of America may also place a hold if the wire is large or if your account is new. You can ask Bank of America whether a hold has been placed by calling customer service or checking your online account.
International wires and SWIFT codes
If someone is sending you money from outside the United States, they will not use the domestic routing number 011000015. Instead, they will need Bank of America's SWIFT code, which is BOFAUS3N. SWIFT codes are used for international wire transfers and are different from domestic routing numbers.
International wires take longer to arrive — typically three to five business days — because they pass through multiple banks and clearing houses in different countries. The process is more complex than a domestic wire, and fees are usually higher. If you are expecting an international wire, confirm with the sender that they have the correct SWIFT code and your account number.
Common mistakes when providing wire information
The most common error is transposing digits in either the routing number or the account number. Double-check both numbers before you give them to someone. Another mistake is providing Bank of America's routing number when the sender needs the routing number of a different bank — make sure you understand whether you are receiving the wire or sending it.
Some people confuse the routing number with the SWIFT code, especially if they are not sure whether the wire is domestic or international. Ask the sender directly: "Is this a wire from inside the United States or from another country?" If it is domestic, use 011000015. If it is international, use the SWIFT code BOFAUS3N instead.
Frequently Asked Questions
Do I need to tell Bank of America that I am expecting a wire?
No, you do not need to notify Bank of America in advance. The wire will arrive automatically once the sending bank processes it. However, if the wire is large or if you are concerned about a hold being placed, you can call Bank of America at 1-800-432-1000 to ask whether your account has any restrictions.
What if the wire goes to the wrong account?
Contact Bank of America immediately. Explain that a wire was sent to your account by mistake and provide the date, amount, and sender's name. Bank of America can attempt to recover the funds, but the process is slow and not always successful. The sooner you report it, the better the chance of recovery.
Can I cancel a wire after I have sent it?
Domestic wires are nearly impossible to cancel once they have been sent, because they settle within hours. Contact your bank immediately if you need to try, but be prepared for the answer to be no. International wires have a slightly longer window, but cancellation is still difficult and not may provide.
Is the routing number the same for all Bank of America branches?
Yes, 011000015 is the routing number for all Bank of America domestic wire transfers, regardless of which branch you use or which state you are in. The routing number directs the wire to Bank of America's processing center, not to a specific branch location.
What if someone asks me for my routing number and I am not sure if I should give it?
The routing number is public information and safe to share. It is printed on your checks and is not sensitive like a password or PIN. However, never give your full account number to someone you do not trust. If you are unsure about a request, call Bank of America directly using the number on the back of your card.