Bank of America routing numbers depend on which state your account is in and what type of transfer you're making

Bank of America uses different routing numbers for different regions and transfer types. The routing number is a nine-digit code that tells the banking system where to send money. For a domestic wire transfer from a Bank of America account, you need the routing number that matches your account's home branch location, not necessarily where you live now.

The most common Bank of America routing number for domestic wire transfers is 021000021, which covers most states. However, some states and territories have their own routing numbers. If you use the wrong number, the wire may be delayed or rejected, so it's worth confirming before you send.

Key Takeaways

  • The standard Bank of America routing number for domestic wires is 021000021, but some states have different numbers.
  • Your account statement, online banking, or a call to Bank of America customer service will show you the correct routing number for your specific account.
  • The routing number for wire transfers may differ from the routing number used for ACH transfers or check deposits.
  • International wire transfers require a SWIFT code (BOFAUS3N for most Bank of America accounts) in addition to or instead of a routing number.

How to find your routing number on your account statement

Your Bank of America checking or savings account statement lists the routing number in the lower left corner of the first page. It appears as a nine-digit number, often printed next to your account number. If you have a paper statement, this is the fastest place to look.

If you receive statements online, log into your Bank of America account, go to your account details, and download or view your most recent statement. The routing number will be in the same position as on a paper statement. This method works even if you've switched to paperless statements.

Finding the routing number through online banking

Log into your Bank of America online account and navigate to the account you're wiring from. Select "Account Details" or "Account Information." Some accounts display the routing number directly on this page; others require you to view or download a statement.

If the routing number doesn't appear in account details, you can also call Bank of America's customer service line at 1-800-432-1000. A representative can confirm the correct routing number for your account in seconds. This is the safest option if you're unsure whether you have the right number.

State-specific routing numbers for Bank of America

While 021000021 works for most Bank of America customers, some states have separate routing numbers. These include California, Texas, Florida, New York, and several others. The difference usually reflects where the account was originally opened or which regional processing center handles it.

The easiest way to know which number applies to you is to check your statement or call customer service. Trying to use a state-specific number when the standard number is correct won't cause a problem — the wire will still go through — but using the wrong state-specific number when yours is different can cause delays.

Routing numbers for different transfer types

Bank of America uses the same routing number (021000021) for most domestic wire transfers, whether you're sending money out or receiving it. However, ACH transfers (which move money between bank accounts over one to three business days) may use a different routing number than wire transfers.

If you're setting up a recurring payment or direct deposit, confirm with the receiving institution or your employer whether they need a wire routing number or an ACH routing number. Bank of America customer service can provide both if you ask.

International wire transfers and SWIFT codes

For international wire transfers from Bank of America, you typically need a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N for most accounts. Some international transfers also ask for an IBAN (International Bank Account Number), which is different from a routing number and is specific to the receiving country.

When sending money internationally, the receiving bank will tell you exactly what information they need. Have your Bank of America account number, the SWIFT code, and your full name ready. International wires usually take three to five business days and may include currency conversion fees.

What to do if your wire is delayed or rejected

If you entered the routing number incorrectly, the wire may be rejected by the receiving bank or delayed while it's sorted to the correct location. If this happens, contact Bank of America immediately with the wire confirmation number (which you received when you sent the transfer). A representative can track the wire and may be able to recall it if it hasn't been processed yet.

Once a wire has been accepted by the receiving bank, it usually cannot be reversed. This is why confirming the routing number before you send is important. If you're unsure, call customer service or ask the person receiving the money to confirm their bank's routing number matches what you plan to use.

Frequently Asked Questions

Is the routing number the same for all Bank of America accounts?

The standard routing number 021000021 works for most Bank of America accounts nationwide. However, some states have different routing numbers depending on where your account was opened. Your statement or customer service will show the correct number for your specific account.

Can I use the routing number from my checks?

The routing number printed on your checks is usually correct for wire transfers, but it's worth confirming with your statement or Bank of America directly. Check routing numbers and wire routing numbers are usually the same, but not always.

What happens if I use the wrong routing number?

The wire may be rejected by the receiving bank, delayed for sorting, or in rare cases sent to the wrong account. Contact Bank of America with your wire confirmation number as soon as you realize the error. If the wire hasn't been accepted yet, it may be recalled.

Do I need a SWIFT code for a domestic wire transfer?

No. Domestic wire transfers use only the routing number. SWIFT codes are used for international transfers. If you're sending money within the United States, the nine-digit routing number is all you need.

Where do I find the wire routing number if I don't have a statement?

Call Bank of America customer service at 1-800-432-1000 or log into your online account and view your account details or a recent statement. Both methods will show you the correct routing number for your account in minutes.