Bank of America's Florida routing number depends on which branch or service you use

Bank of America does not have a single routing number for all of Florida. The routing number you need depends on whether you're sending money from a checking account, savings account, or using a specific Bank of America location. The most common routing number for Bank of America in Florida is 063000047, which covers most personal and business accounts opened through Bank of America branches in the state.

Before you wire money, confirm the exact routing number with your own bank or the Bank of America branch where your account is held. Using the wrong routing number can delay your transfer or send money to the wrong account. Bank of America's customer service line and online banking portal both display your account's correct routing number.

Key Takeaways

  • The primary Bank of America routing number for Florida accounts is 063000047, though some accounts may use different numbers based on when and where they were opened.
  • Your own bank statement, online banking login, or a call to Bank of America customer service will show the exact routing number tied to your specific account.
  • Wire transfers require both the routing number and the recipient's account number to reach the correct destination.
  • Entering an incorrect routing number can result in a delayed transfer or funds sent to an unintended account, so verification before sending is essential.

How to find your routing number on a Bank of America statement

Your Bank of America checking or savings account statement lists the routing number in the lower left corner, usually printed alongside your account number. The routing number appears on every check you receive as well — it's the first set of nine digits at the bottom left of the check, before your account number.

If you cannot locate a physical statement or checkbook, log into your Bank of America online banking account. The routing number appears under account details or account information. You can also call Bank of America's customer service at 1-800-432-1000 and provide your account number; a representative will confirm the routing number for your specific account in seconds.

When Bank of America routing numbers differ

Bank of America acquired several regional banks over the years, and some older accounts still carry routing numbers from those institutions. If your account was opened before a merger or transferred from another bank, your routing number might not be 063000047. This is normal and does not affect how your account works.

Business accounts, money market accounts, and accounts opened at specific Bank of America locations may also use different routing numbers. The safest approach is to treat your account's routing number as unique to you and verify it directly rather than assuming all Florida Bank of America accounts share the same number.

What happens if you use the wrong routing number

A wire transfer sent to an incorrect routing number typically goes to the wrong financial institution. That institution may reject the transfer and return it to the sender, which can take several business days. In some cases, the money reaches a different bank but cannot be matched to an account, and the receiving bank holds it while trying to locate the intended recipient.

The sending bank can sometimes trace and recover a misdirected wire, but this process is slow and not always successful. For this reason, double-checking the routing number before you initiate a wire transfer is far easier than trying to recover money sent to the wrong place.

Routing number versus account number

A routing number identifies the bank or branch; an account number identifies your specific account within that bank. A wire transfer requires both pieces of information. The routing number tells the banking system which institution to send the money to, and the account number tells that institution which account within their system should receive it.

You can share your routing number freely — it is public information and appears on your checks. Your account number, by contrast, should be treated as sensitive information and shared only with people or organizations you trust to send you money or process legitimate payments.

International wire transfers from Bank of America Florida

If you are sending money outside the United States from a Bank of America account in Florida, you will need the routing number plus additional information: the recipient's SWIFT code (or BIC code), their international bank account number (IBAN), and their bank's address. Bank of America's international wire process is more complex than domestic transfers and typically costs more.

Bank of America's website has a tool to look up SWIFT codes for banks outside the United States. You can also call their international services line or visit a local branch for help with an international wire. Processing times for international transfers are usually three to five business days, depending on the destination country and receiving bank.

Frequently Asked Questions

Is 063000047 the routing number for all Bank of America accounts in Florida?

It is the most common routing number for Bank of America in Florida, but not all accounts use it. Accounts opened before certain mergers, business accounts, and accounts at specific locations may have different routing numbers. Check your statement or contact Bank of America to confirm your account's routing number.

Can I find my Bank of America routing number online without logging in?

Bank of America's website has a routing number lookup tool that does not require you to log in. You enter your state and account type, and it shows you possible routing numbers. However, the most reliable way is to check your own statement or log into your account, since that shows the number tied to your specific account.

What if my wire transfer was sent to the wrong routing number?

Contact your bank immediately and provide them with the wire transfer confirmation number. Your bank can attempt to trace the transfer and recover the funds, but success is not may provide. The process can take several weeks. This is why confirming the routing number before sending is so important.

Do I need a different routing number for wire transfers versus ACH transfers?

Bank of America uses the same routing number for both wire transfers and ACH transfers from the same account. However, always verify the routing number with your bank before sending any transfer, since some accounts may have exceptions.