Bank of America's routing number for wire transfers is 021000021
Bank of America uses the routing number 021000021 for domestic wire transfers sent from most of its accounts. This nine-digit code tells the Federal Reserve and other banks where to send your money. You will need this number along with the recipient's account number, name, and bank details to complete a wire transfer.
The routing number stays the same whether you are wiring money out of a checking account, savings account, or money market account at Bank of America. However, some Bank of America branches in specific states or territories may use different routing numbers for certain account types. If you are unsure whether your account uses the standard number, call Bank of America directly or check your account documents before sending a wire.
Key Takeaways
- Bank of America's standard domestic wire transfer routing number is 021000021, which works for most account types and locations.
- 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.
- International wire transfers use a different code called a SWIFT code (BOFAUS3N for most Bank of America locations) rather than a routing number.
- Double-check the routing number before sending a wire, because once the money leaves your account, it is difficult to recover if sent to the wrong bank.
- Some Bank of America branches outside the continental United States use different routing numbers, so verify if you have an account in Alaska, Hawaii, or a U.S. territory.
Where to find your routing number
The easiest place to locate your Bank of America routing number is on a check from your account. Look at the bottom left corner of the check — the first nine digits printed there make up your routing number. If you do not have checks available, you can find it through your Bank of America online banking account by logging in and navigating to your account details or settings.
You can also call Bank of America's customer service line at 1-800-432-1000 and ask for your routing number. A representative can confirm the correct number for your specific account and location. This is especially useful if you have an account at a branch outside the continental United States or if you want to verify the number before sending a large wire transfer.
Routing numbers for different Bank of America locations
While 021000021 is the routing number for Bank of America's main operations, some locations use different numbers. If you have an account at a Bank of America branch in Alaska, Hawaii, Puerto Rico, or the U.S. Virgin Islands, your routing number may differ. These regional routing numbers exist because of how the Federal Reserve organizes its banking districts.
Before you wire money, confirm which routing number applies to your account. Using the wrong routing number can delay your transfer or send the money to the wrong institution. Bank of America's customer service team can tell you the correct routing number for your specific branch in under a minute.
International wire transfers use a different code
If you are sending money outside the United States, you will not use a routing number at all. Instead, you will need Bank of America's SWIFT code, which is BOFAUS3N for most locations. A SWIFT code is the international equivalent of a routing number and tells foreign banks how to reach Bank of America's system.
International wires also require the recipient's IBAN (International Bank Account Number) or their bank's SWIFT code, depending on the country. The process is more complex than a domestic wire, and fees are typically higher. Bank of America's website or a phone call to customer service can walk you through the additional information you will need to provide.
What happens after you provide the routing number
Once you submit a wire transfer with the correct routing number, Bank of America deducts the money from your account immediately. The funds then move through the Federal Reserve's system to the receiving bank, which typically takes one business day for domestic transfers. You will receive a confirmation number for your records.
If you made an error with the routing number or account number, the receiving bank may reject the transfer and send the money back to Bank of America. This process can take several days. That is why it is worth taking an extra minute to verify both the routing number and the recipient's account details before hitting send.
Fees and limits for Bank of America wire transfers
Bank of America charges a fee for outgoing domestic wire transfers, though the amount varies depending on whether you use online banking, phone, or visit a branch in person. Online wires are typically the least expensive option. The bank also sets daily and monthly limits on how much you can wire, which depend on your account type and history.
If you are sending a large amount or need to wire money frequently, ask Bank of America about higher limits or accounts designed for business use. Some accounts come with lower or waived wire transfer fees. Understanding the costs upfront helps you decide whether a wire transfer is the right method for your situation, or whether another transfer method might work better.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America accounts?
It is the standard routing number for most Bank of America accounts in the continental United States. However, accounts at branches in Alaska, Hawaii, Puerto Rico, or the U.S. Virgin Islands may use different routing numbers. Contact Bank of America directly to confirm the routing number for your specific account.
Can I wire money using just the routing number?
No. You need the routing number plus the recipient's account number, full name, and their bank's name and address. For international transfers, you also need a SWIFT code or IBAN. Providing incomplete information can cause the transfer to fail or be delayed.
What is the difference between a routing number and a SWIFT code?
A routing number is used for domestic wire transfers within the United States and tells the Federal Reserve which bank to send the money to. A SWIFT code is used for international transfers and serves the same purpose but works across the global banking system. Bank of America's SWIFT code is BOFAUS3N.
How long does a Bank of America wire transfer take?
Domestic wire transfers typically arrive within one business day. International transfers can take three to five business days depending on the receiving country and bank. Bank of America will give you an expected delivery date when you submit the transfer.
What should I do if I sent a wire to the wrong routing number?
Contact Bank of America immediately. If the receiving bank has not yet processed the transfer, the bank may be able to stop it. If the money has already been received, you will need to contact the receiving bank and request a return transfer. The sooner you report the error, the better your chances of recovery.