Bank of America's New York City routing number is 021000021

If you're sending a wire transfer through Bank of America and your account is based in New York City, use routing number 021000021. This is the routing number for Bank of America's main New York processing center. It works for both domestic wires (transfers within the United States) and the first step of international wires.

The routing number is a nine-digit code that tells the banking system which institution should receive your money. Bank of America uses the same routing number across New York City regardless of which branch you bank with — the number directs the wire to Bank of America's central processing, and from there it gets routed to your specific account based on your account number.

You'll need this number along with your account number, the recipient's name, and their bank details to complete a wire. Bank of America charges a fee for outgoing domestic wires (typically $15 to $30, depending on whether it's a standard or expedited transfer) and higher fees for international wires.

Key Takeaways

  • Bank of America's routing number for New York City wire transfers is 021000021, whether you're wiring domestically or starting an international transfer.
  • The routing number directs your wire to Bank of America's processing center; your account number ensures it reaches your specific account.
  • You can find this routing number on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America directly.
  • Bank of America charges fees for wire transfers — confirm the exact amount with your branch or online banking before sending.
  • Double-check the routing number and recipient details before submitting a wire, since transfers cannot be reversed once sent.

Where to find your routing number if you're unsure

The easiest place to locate the routing number is the bottom left corner of any check from your Bank of America account. The first nine digits printed there are your routing number. If you don't have checks handy, log into your Bank of America online banking account, go to account details or account information, and the routing number will be listed there.

You can also call Bank of America's customer service line at 1-800-432-1000 and confirm the routing number with a representative. Have your account number ready when you call. If you're at a Bank of America branch in New York City, any teller can write down the routing number for you.

Domestic versus international wire transfers

For a domestic wire (money staying within the United States), routing number 021000021 is all you need from Bank of America's side. You'll provide the recipient's bank routing number and account number, and the wire moves directly between the two banks.

For an international wire, Bank of America's routing number 021000021 is still your starting point, but the process is more complex. International wires also require a SWIFT code (Bank of America's is BOFAUS3N) and may require an IBAN (International Bank Account Number) depending on the destination country. Bank of America will ask you for the recipient's bank name, address, and account details in their local format. International wires take longer — typically three to five business days — and carry higher fees.

What information you need to provide for a wire

Before you initiate a wire transfer, gather these details: your Bank of America account number, the recipient's full name (exactly as it appears on their account), the recipient's bank routing number (for domestic) or SWIFT code (for international), the recipient's account number, and the amount you're sending. If the recipient's bank is outside the United States, you'll also need their bank's full name and address.

Bank of America will ask you to confirm all of this information before processing the wire. Mistakes in the account number or routing number can send money to the wrong place, and wires cannot be recalled once they leave your bank. Take time to verify every detail, especially the recipient's account number and routing number.

How to send a wire through Bank of America

You can initiate a wire transfer through Bank of America's online banking portal, by phone, or in person at a branch. Online is usually fastest — log in, select "Transfer Money," choose "Wire Transfer," enter the recipient's information and routing number, and confirm. The wire typically processes the same business day if submitted before the cutoff time (usually 2 p.m. Eastern Time on weekdays).

If you call 1-800-432-1000, a representative will walk you through the information they need and process the wire over the phone. In-person at a branch, a teller will fill out the wire form with you and take payment immediately. All three methods charge the same wire transfer fee, so choose whichever is most convenient for you.

Wire transfer fees and timing

Bank of America charges $15 for a standard domestic wire transfer and $25 for an expedited domestic wire (which prioritizes processing). International wire transfers cost more — typically $45 for a standard international wire. These fees are deducted from your account when you send the wire.

Domestic wires usually arrive the same business day or next business day. International wires take longer because they move through multiple banks and currency exchanges — expect three to five business days. The exact timing depends on the recipient's bank and country. Bank of America will give you a confirmation number when the wire is sent; keep this for your records in case you need to track the transfer.

Frequently Asked Questions

Is 021000021 the routing number for all Bank of America locations in New York?

Yes. Bank of America uses the same routing number for all New York City branches. The routing number directs the wire to Bank of America's central processing center, and your account number ensures it reaches your specific account, regardless of which branch you opened it at.

Can I use a different routing number if I have a Bank of America account outside New York?

If your account is based outside New York City, you should use your home state's Bank of America routing number instead. You can find the correct routing number on your checks or by logging into your online banking account. Using the wrong routing number can delay your wire.

What happens if I send a wire to the wrong account number?

Once a wire is sent, it cannot be reversed. If you used the correct routing number but the wrong account number, the money may go to another customer's account at that bank. Contact Bank of America immediately with your confirmation number — they can attempt to recover the funds, but success depends on the recipient's bank's cooperation.

Do I need to call Bank of America before sending a wire?

No, you can send a wire online or in person without calling first. However, if it's your first time sending a wire or you're unsure about any details, calling ahead to confirm the process can prevent mistakes. Bank of America's customer service can also verify the recipient's bank routing number if you're uncertain.

How long does a wire transfer take to show up in the recipient's account?

Domestic wires typically arrive within one business day; many arrive the same day if sent before 2 p.m. Eastern Time. International wires take three to five business days because they pass through multiple banks and clearing systems. The recipient's bank may hold the funds for an additional day before crediting the account.