What Bank of America's routing number 063000047 means for your incoming wire
The routing number 063000047 is Bank of America's routing number for wire transfers sent to most of their checking and savings accounts. If someone is sending you money by wire and asks for your routing number, this is the number you provide — along with your account number and full name. Bank of America uses this same routing number for inbound wires regardless of which state your branch is in, which makes it simpler than some other banks that assign different numbers by location.
When you give out this routing number, you are telling the sending bank how to find your account within Bank of America's system. The wire will arrive in your account, not in anyone else's, because your account number is the second piece of the puzzle. The routing number alone cannot move money; it only directs the wire to the right bank.
Key Takeaways
- Bank of America's inbound wire routing number is 063000047, and you use it for any wire transfer coming into your account.
- You must provide both the routing number and your account number for a wire to reach your account; the routing number alone is not enough.
- This routing number works for all Bank of America checking and savings accounts, regardless of your branch location.
- Always verify the routing number with Bank of America directly or through their official website before giving it to someone sending you money.
- Wire transfers typically arrive within one business day once the sending bank processes them, though timing depends on when the wire is sent.
Where to find your account number to give along with the routing number
Your Bank of America account number appears on the bottom left of your checks, on your debit card, and in your online banking portal. When someone is sending you a wire, you need to give them both pieces: the routing number (063000047) and your account number. Some people ask for a "wire transfer form" — Bank of America does not require one, but you can print a blank check or log into your online account to find your account number if you do not have it memorized.
The sender's bank will ask for your full name exactly as it appears on your account. If your account is under "James Rodriguez" but you give them "J. Rodriguez" or "James R.", the wire may be rejected or delayed while the banks sort out the mismatch. Check your account statements or your online profile to see the exact spelling and order of your name on file.
Confirming this is the correct routing number for your situation
Bank of America publishes this routing number on their official website and in their customer service materials. If you are unsure whether 063000047 is correct, you can call Bank of America at the number on the back of your debit card or log into your online banking account — both will show you the routing number for wire transfers. Do not rely only on a third-party website, because routing numbers can change and you want the current information.
Some older Bank of America accounts or accounts opened through certain subsidiaries may use different routing numbers. If you have had your account for many years or opened it through a Bank of America subsidiary like Merrill Lynch, ask Bank of America directly which routing number to use for incoming wires. A five-minute call to their customer service line will give you the definitive answer for your specific account.
What happens after you give out your routing number and account number
Once the sender's bank has your routing number and account number, they initiate the wire on their end. The sending bank debits the money from the sender's account and transmits it electronically to Bank of America using the routing number to identify the destination. Bank of America receives the wire, matches it to your account number, and deposits the funds into your account. This process usually takes one business day, though wires sent late in the day may not arrive until the next business day.
You will see the wire appear in your account as a credit. Bank of America typically does not charge you a fee to receive a wire, though the sending bank may charge the sender a fee to send it. Once the wire is in your account, you can use the money immediately — there is no hold period for wire transfers like there sometimes is for checks.
Protecting yourself when sharing your routing and account numbers
Sharing your routing number and account number with someone who is sending you money is safe — these numbers alone cannot be used to withdraw money from your account or make unauthorized charges. However, you should only share them with people you trust or in situations where you initiated the request for payment. If someone you do not know asks for these numbers, ask them why they need them and verify their identity before you respond.
Be cautious of scams where someone claims to be from your bank or a government agency and asks for your routing number. Your bank already knows your routing number, and legitimate government agencies do not ask for it over the phone or email. If you are unsure whether a request is legitimate, hang up and call Bank of America directly using the number on your statement or card.
Differences between routing numbers for incoming and outgoing wires
Bank of America uses the same routing number (063000047) for both wires coming in and wires going out, which simplifies things. Some banks maintain separate routing numbers for inbound and outbound wires, but Bank of America does not. This means you can confidently give 063000047 to anyone sending you money, and you can also use it when you are sending money out of your own Bank of America account.
If you are sending a wire from your Bank of America account to another bank, you will need the routing number of the bank receiving the money, not your own routing number. Bank of America's website and customer service can help you find the receiving bank's routing number if you do not have it.
What to do if a wire does not arrive when expected
If you were expecting a wire and it has not arrived after one business day, contact Bank of America's customer service. Have the sender's name, the amount, and the date the wire was supposed to be sent ready to share. Bank of America can check whether the wire arrived in their system and, if it did, confirm that it was deposited into your account. If the wire arrived but you do not see it, there may be a processing delay of a few hours.
If the wire never arrived at Bank of America, the sending bank may have entered an incorrect routing number or account number. Ask the person who sent the money to contact their bank and verify the details they used. The sending bank can trace the wire and, if it went to the wrong place, may be able to recover it. This process can take several days or weeks, so it is worth verifying the routing and account numbers before the wire is sent in the first place.
Frequently Asked Questions
Is 063000047 the routing number for all Bank of America accounts?
Yes, this routing number works for all Bank of America checking and savings accounts for incoming wire transfers, regardless of which state your branch is in or when you opened the account. A small number of accounts opened through Bank of America subsidiaries may use a different routing number, so if you are unsure, contact Bank of America directly.
Can someone use my routing number and account number to take money out of my account?
No. Your routing and account numbers are used to deposit money into your account, not to withdraw it. To withdraw money, someone would need your debit card number, PIN, or online banking login credentials. Sharing your routing and account numbers with someone sending you money is safe.
How long does it take for a wire to show up in my Bank of America account?
Wire transfers typically arrive within one business day. If the wire is sent early in the business day, it may arrive the same day. Wires sent after business hours or on weekends will arrive on the next business day. Once it arrives, the money is available immediately.
What if I give out the wrong account number by mistake?
If the account number does not match any Bank of America account, the wire will be rejected and returned to the sending bank. The sender will need to contact their bank, correct the account number, and resend the wire. If the account number matches someone else's Bank of America account, the wire may be deposited into that account instead, which is why it is important to double-check before you give out your number.
Do I need to do anything to receive a wire, or does it just show up?
You do not need to do anything on your end. Once you give the sender your routing number and account number, the wire will arrive automatically when the sending bank processes it. You will see it in your account as a deposit, and you can use the money right away.