Bank of America's New York routing number is 021000018

If you have a Bank of America account in New York and need to send or receive a wire transfer, you'll use the routing number 021000018. This nine-digit code tells the banking system which Bank of America location processes your account. Every wire transfer — whether you're sending money out or receiving it — requires a routing number so the funds reach the right bank and the right account within that bank.

The routing number 021000018 works for Bank of America accounts held at any branch in New York State. It doesn't matter whether your account is in New York City, Buffalo, or anywhere else in the state — this single routing number handles all New York accounts for wire purposes. If you're wiring money to someone else's Bank of America account in New York, or if someone is wiring money to you, this is the number you'll provide.

Key Takeaways

  • Bank of America's routing number for New York wire transfers is 021000018, and it applies to all Bank of America accounts in the state.
  • You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
  • Wire transfers require both the routing number and the account number to reach the correct destination.
  • If you're receiving a wire, provide the sender with both your routing number and your full account number so the funds don't go to the wrong place.

Where to find your routing number on a check

The easiest place to locate your routing number is on a check from your Bank of America account. Look at the bottom left corner of the check — you'll see nine digits printed there. The first nine digits are your routing number; the next set of digits is your account number. If you don't have checks in front of you, this method won't work, but it's the fastest way if you do.

The routing number appears in a specific order on every check: it's always the first set of nine digits on the bottom. Some people confuse it with the account number because both appear at the bottom of the check, but they're in different positions. The routing number comes first on the left, and the account number follows it.

How to find it online or by phone

Log into your Bank of America online banking account and navigate to your account details or account information section. Most banks display the routing number alongside your account number in this area. If you can't locate it online, call Bank of America's customer service line at 1-800-432-1000. A representative can confirm your routing number over the phone and answer any questions about wire transfers.

When you call, have your account number ready so the representative can pull up your account quickly. They'll confirm the routing number and can also walk you through the wire transfer process if you're sending money for the first time. This is also a good time to ask about any fees Bank of America charges for outgoing or incoming wire transfers.

What information you need to send a wire transfer

A wire transfer requires more than just a routing number. You'll need the recipient's full name, their account number, and the routing number of their bank. If the recipient's bank is outside the United States, you may also need a SWIFT code instead of or in addition to the routing number. Before you initiate a wire, confirm all of this information with the person receiving the money — a single digit wrong in the account number or routing number can send your money to the wrong place.

You'll also need to decide how much to send and whether you want to cover the wire fee or have it deducted from the amount sent. Bank of America charges a fee for outgoing domestic wire transfers; the amount varies depending on whether you're a basic customer or have a premium account. Ask about the current fee when you call or check your account online before you send the wire.

What to do if you're receiving a wire transfer

If someone is sending you money via wire transfer, give them your full name exactly as it appears on your Bank of America account, your account number, and the routing number 021000018. The sender's bank will use this information to route the money to Bank of America and then to your specific account. Make sure the name matches your account — if the sender puts a slightly different name on the wire, the bank may hold the transfer and ask you to confirm it before depositing it.

Wire transfers typically arrive within one business day if sent during banking hours on a weekday. If the wire is sent after hours or on a weekend, it will arrive the next business day. Once the money arrives at Bank of America, it's usually available in your account immediately, though some banks hold incoming wires for a short period. You can check your account online to see if the wire has posted.

Routing number vs. SWIFT code

A routing number is used only for domestic wire transfers within the United States. If you're sending money to or receiving money from outside the U.S., you'll need a SWIFT code instead. Bank of America's SWIFT code is BOFAUS3N. A SWIFT code serves the same purpose as a routing number but works internationally — it tells the global banking system which bank to send the money to.

Some international wire transfers require both the SWIFT code and an IBAN (International Bank Account Number), depending on the country. If you're sending money internationally, ask the recipient what information they need, or contact Bank of America to confirm what details to provide. International wires take longer than domestic ones — usually three to five business days — and may have higher fees.

Common mistakes to avoid

The most common error is transposing a digit in the routing number or account number. Double-check both numbers before you send the wire, and if possible, have the recipient confirm the information back to you. Another mistake is using the wrong routing number — if you have accounts at multiple banks, make sure you're using Bank of America's routing number, not another bank's.

Don't assume the routing number is the same across all states. While Bank of America's New York routing number works for all New York accounts, other states have different routing numbers. If you're sending money to a Bank of America account in a different state, that account may use a different routing number. When in doubt, ask the recipient to confirm their routing number or look it up on their bank statement.

Frequently Asked Questions

Is the routing number the same for all Bank of America branches in New York?

Yes. The routing number 021000018 applies to all Bank of America accounts in New York, regardless of which branch holds your account. You don't need to find a branch-specific routing number.

Can I use the same routing number for ACH transfers and wire transfers?

Bank of America may use different routing numbers for ACH transfers and wire transfers. The number 021000018 is for wire transfers. If you're setting up an ACH transfer (like a direct deposit or automatic payment), confirm the correct routing number with Bank of America first, as it may differ.

What happens if I use the wrong routing number?

If the routing number doesn't match any bank in the system, the wire will be rejected and the money returned to your account. If the routing number is correct but the account number is wrong, the money may go to another Bank of America customer's account, and you'll need to contact the bank to recover it.

Do I need to provide my routing number if I'm receiving a wire transfer?

Yes. The person sending you money needs your routing number and account number to complete the wire. Without both pieces of information, the bank won't know where to send the funds.