Bank of America's routing number for New Jersey wire transfers is 021000021

If you're sending a wire transfer through Bank of America and your account is held at a New Jersey branch, use routing number 021000021. This nine-digit code tells the banking system where to send the money. Bank of America uses the same routing number for all wire transfers nationwide, regardless of which state your branch is in.

Wire transfers move money directly from one bank account to another, usually within one business day. The routing number is one of three pieces of information you'll need: your account number, the recipient's account number, and the recipient's bank routing number. Without the correct routing number, the wire may be delayed or sent to the wrong bank entirely.

Key Takeaways

  • Bank of America's wire transfer routing number is 021000021 for all U.S. locations, including New Jersey branches.
  • You will also need the recipient's bank routing number, not Bank of America's, when sending money out of your account.
  • Wire transfer fees at Bank of America typically range from $15 to $30 depending on whether the transfer is domestic or international, though costs vary by account type.
  • You can initiate a wire transfer through Bank of America's website, mobile app, phone, or by visiting a branch in person.

When you need Bank of America's routing number versus the recipient's

The confusion usually happens here: you use Bank of America's routing number (021000021) only when someone is sending money to your Bank of America account. When you are sending money out of your account to someone else, you need their bank's routing number, not Bank of America's.

If you're wiring money to another person or business, ask them for their bank's routing number and their account number. If they bank at Chase, Wells Fargo, or any other institution, they will have a different routing number. Bank of America's routing number tells the system where your money starts, not where it's going.

How to send a wire transfer from Bank of America

You can start a wire transfer through several channels. The fastest online method is Bank of America's website or mobile app — log in, select "Transfer Money," then choose "Wire Transfer." You'll enter the recipient's name, account number, routing number, and the amount. Bank of America will show you the fee before you confirm.

If you prefer to speak with someone, call Bank of America's wire transfer line or visit a branch in person. Phone transfers take longer because the representative must verify your identity and confirm all details verbally. In-person transfers at a branch are immediate if you have your ID and the recipient's information ready.

International wire transfers require additional information: the recipient's SWIFT code (similar to a routing number but for banks outside the U.S.) and sometimes an IBAN (International Bank Account Number). These take longer to process — usually three to five business days — and carry higher fees than domestic transfers.

What information you need before sending a wire

Gather these details before you start: the recipient's full name (exactly as it appears on their account), their account number, their bank's routing number, and the amount you're sending. If the recipient's bank is outside the United States, you'll also need their SWIFT code.

Double-check the routing number and account number with the recipient — a single wrong digit sends the money to the wrong account, and recovering it is difficult. Many banks print their routing number on the bottom left of checks, or the recipient can call their bank or log into their account online to find it.

Wire transfer fees and timing at Bank of America

Bank of America charges a fee for outgoing wire transfers. Domestic wires (within the U.S.) typically cost $15 for online transfers or $30 if you do it by phone or in person. International wires cost more — usually $45 for online and $50 by phone or branch. Some account types, like certain premium checking accounts, may have lower fees or a limited number of free wires per month.

Domestic wire transfers usually arrive the same business day if you send them before the bank's cutoff time, typically 2 p.m. Eastern Time on weekdays. Transfers sent after that time or on weekends process the next business day. International wires take three to five business days because they pass through multiple banks and currency exchanges.

Confirming the routing number is correct

If you're unsure whether 021000021 is the right number, verify it through Bank of America directly. Call the customer service number on the back of your debit card, log into your online account and look for wire transfer instructions, or visit a branch. Bank of America's website also has a routing number lookup tool if you search for "Bank of America routing number."

Never rely on a routing number from an email or text message, even if it appears to come from Bank of America. Scammers sometimes send fake messages with incorrect routing numbers to redirect wire transfers. When in doubt, call the phone number on your bank statement or card — not a number from an email — and confirm the routing number with a representative.

Frequently Asked Questions

Is Bank of America's routing number different for New Jersey than other states?

No. Bank of America uses routing number 021000021 for all wire transfers in the United States, regardless of which state your branch is located in. The routing number does not change based on your branch location.

What's the difference between a routing number and a SWIFT code?

A routing number is used for domestic U.S. wire transfers. A SWIFT code is used for international transfers and identifies the bank globally. If you're sending money to someone outside the U.S., you need their SWIFT code instead of a routing number.

Can I cancel a wire transfer after I send it?

It depends on timing. If you cancel within minutes of sending, before the wire leaves Bank of America's system, it can usually be stopped. Once the wire reaches the recipient's bank, cancellation is nearly impossible. Contact Bank of America immediately if you need to cancel — do not wait.

What if the wire transfer goes to the wrong account?

Contact Bank of America right away and provide the wire confirmation number. The bank can attempt to recover the funds, but success depends on whether the recipient's bank cooperates. This process can take weeks. Verify all account numbers and routing numbers before sending to avoid this situation.