Bank of America routing numbers depend on which state your account is in
Bank of America uses different routing numbers based on the state where your account was opened or is maintained. The most commonly used routing number for Bank of America accounts nationwide is 026009593, but this is not universal — your actual routing number depends on your account location and the type of transfer you are making.
When you wire money out of a Bank of America account, you need to provide the correct routing number to your bank. Using the wrong one can delay your transfer or cause it to fail entirely. The routing number tells the Federal Reserve and other banks which Bank of America branch or processing center should receive and process your wire.
You should never guess at a routing number. Bank of America publishes the correct number for your specific account, and you can find it in seconds without calling customer service.
Key Takeaways
- The routing number 026009593 works for most Bank of America wire transfers, but your account may use a different one based on your state.
- Your routing number appears on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America customer service.
- Wire transfers require the routing number of the bank sending the money, not the bank receiving it.
- Bank of America maintains a full list of state-specific routing numbers on its website if you need to verify the number for your location.
Where to find your routing number on a check
If you have a Bank of America check, the routing number is printed on the bottom left corner of the check, before your account number. It is a nine-digit code. This is the fastest way to locate it if you have checks on hand.
The routing number on your check is specific to the branch or region where your account is held. Even if you move to a different state, the routing number on your existing checks remains valid for wire transfers — it does not change based on your current location.
Finding your routing number online or by phone
Log into your Bank of America online banking account and go to the account details or account information section. Most accounts display the routing number alongside the account number. This is the most reliable method if you do not have a check available.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. A representative will confirm your identity and provide the correct number for your account within minutes. This is useful if you are unsure whether the number you found is current or correct.
State-specific routing numbers and when they matter
Bank of America publishes routing numbers for each state on its official website. Some states have multiple routing numbers depending on when the account was opened or which processing center handles it. For example, accounts opened in California may use a different routing number than accounts opened in Texas, even though both are Bank of America.
For most outgoing wire transfers from your Bank of America account, the routing number 026009593 will work. However, if your wire is rejected or delayed, the problem may be a state-specific routing number mismatch. In that case, check Bank of America's routing number lookup tool or call customer service to confirm the exact number for your account.
What happens if you use the wrong routing number
If you provide an incorrect routing number when sending a wire, the transfer may be rejected before it leaves your account, or it may be sent to the wrong bank and returned after several days. Bank of America will not process a wire if the routing number does not match their records for your account type and location.
If a wire is sent to the wrong routing number, it typically bounces back to your Bank of America account within 3 to 5 business days. You will then need to initiate a new wire with the correct routing number. This delay can be costly if you have a time-sensitive payment, so double-checking the routing number before you submit is worth the extra minute.
Routing number versus account number
The routing number identifies the bank or branch. The account number identifies your specific account within that bank. Both are required to send a wire transfer, but they serve different purposes. The routing number tells the Federal Reserve where to send the money; the account number tells Bank of America which customer account to deposit it into.
On a check, the routing number appears first on the bottom left, followed by the account number. When you wire money, you provide both to the sending bank. Never confuse the two — using an account number in place of a routing number will cause the wire to fail.
Frequently Asked Questions
Is 026009593 the routing number for all Bank of America accounts?
It works for most Bank of America wire transfers, but some accounts use different routing numbers based on the state where the account was opened. Check your checks or online banking to confirm your specific routing number before sending a wire.
Do I need a different routing number if I moved to a new state?
No. Your routing number does not change when you move. It is tied to where your account was originally opened or is maintained in the Bank of America system, not your current address.
Can I use my routing number to receive a wire transfer?
Yes. The routing number works the same way for incoming and outgoing wires. Anyone sending you money will need your Bank of America routing number and your account number.
What if Bank of America tells me my routing number is different from what I found online?
Use the number Bank of America provides. If there is a discrepancy, it usually means your account uses a state-specific or legacy routing number. Always trust the number from your bank directly over a general lookup.