What This Routing Number Is and When You Need It
The routing number 121000358 is Bank of America's routing number for wire transfers. You use it when you're sending money out of a Bank of America account to another bank, or when someone outside Bank of America is sending you money and needs to know where your account lives in the banking system.
This specific number routes domestic wire transfers — money moving between U.S. banks. It's different from the routing number you'd use for ACH transfers (the slower, automated system that handles direct deposits and bill payments) or international wires, which use a different code called a SWIFT number.
Bank of America has multiple routing numbers depending on the type of transaction and which state your account is in. If you're wiring money, 121000358 is the one Bank of America publishes for wire transfers nationwide. If you're receiving a wire and the sender asks for your routing number, this is the one to give them.
Key Takeaways
- 121000358 is Bank of America's routing number specifically for wire transfers within the United States.
- You need this number when sending a wire out of your Bank of America account or when someone is wiring money to you.
- Wire transfers using this routing number are typically completed the same business day, unlike ACH transfers which take several days.
- Bank of America may have different routing numbers for different transaction types and states, so confirm with the bank if you're unsure which number to use.
- International wire transfers require a SWIFT code, not a routing number.
How to Use This Routing Number When Sending a Wire
When you initiate a wire transfer from your Bank of America account, you'll enter this routing number along with the recipient's account number and bank details. You can send a wire through Bank of America's online banking portal, mobile app, or by calling their wire transfer line.
Bank of America charges a fee for outgoing domestic wire transfers — the amount varies but typically ranges from $15 to $30. The fee is deducted from your account at the time you send the wire. The receiving bank may also charge a fee on their end, which comes out of the amount the recipient gets.
Wire transfers sent before the bank's cutoff time (usually 2 p.m. Eastern time on business days) typically arrive the same day. Wires sent after the cutoff or on weekends and holidays process the next business day.
How to Use This Routing Number When Receiving a Wire
If someone is sending you money via wire transfer to your Bank of America account, give them this routing number along with your account number and full name. They'll need both pieces of information to route the money correctly.
Incoming wires usually arrive within one business day, though same-day arrival is common for wires sent early in the morning. Bank of America typically does not charge you a fee for receiving a wire, though some account types may have different policies — check with your bank if you're unsure.
Once the wire arrives, it shows up in your account as a completed deposit. You can use the funds immediately in most cases, though the bank may place a temporary hold on very large amounts while they verify the transfer.
Confirming You Have the Right Routing Number
Bank of America publishes 121000358 as its wire transfer routing number on its official website and in account documentation. However, routing numbers can change, and Bank of America operates different routing numbers for different states and transaction types.
The safest way to confirm you have the correct number is to log into your Bank of America online account and look for the routing number in the account details section, call Bank of America's customer service line, or ask the person sending you money to confirm the number with their bank before they initiate the wire.
If you're sending a large wire or an international transfer, double-check the routing number before you submit. Wire transfers cannot be recalled once they leave your bank, so confirming the details upfront prevents money from going to the wrong place.
Differences Between Wire Transfers and Other Transfer Methods
Wire transfers are faster and more direct than ACH transfers, which is why they use a different routing number. An ACH transfer (like a direct deposit) can take three to five business days and uses a different routing number. Wire transfers typically complete the same day and are irreversible once sent.
Wire transfers also cost more — Bank of America charges $15 to $30 per outgoing wire, while ACH transfers are usually free. Use a wire when you need money to arrive quickly or when you're sending a large amount. Use ACH for routine payments that can wait a few days.
International wire transfers require a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. If you're sending money outside the U.S., ask the recipient which code their bank needs.
What Happens If You Use the Wrong Routing Number
If you enter an incorrect routing number, the wire may be rejected by the banking system before it leaves your account, or it may be sent to the wrong bank. If the wire is rejected, Bank of America will return the funds to your account, though this can take several business days.
If the wire reaches the wrong bank, recovery is much harder. The receiving bank has no obligation to return the money, and you may need to file a dispute with Bank of America and work with law enforcement to recover the funds. This is why confirming the routing number and account number before sending is critical.
Always ask the recipient to confirm their routing number and account number separately, or have them provide a voided check (which shows both numbers printed on it). Do not rely on verbal confirmation alone for large amounts.
Frequently Asked Questions
Is 121000358 the same routing number for all Bank of America accounts?
Bank of America publishes this as the wire transfer routing number for domestic transfers nationwide. However, some account types or older accounts may have different routing numbers. Check your account details or call Bank of America to confirm which routing number applies to your specific account.
Can I use this routing number for ACH transfers or bill payments?
No. This routing number is for wire transfers only. ACH transfers and bill payments use a different routing number. Using the wrong routing number may cause your transaction to fail or be delayed. Check your Bank of America account or statement for the correct ACH routing number.
How long does a wire transfer take with this routing number?
Domestic wire transfers sent before 2 p.m. Eastern time on business days typically arrive the same day. Wires sent after the cutoff or on weekends and holidays process the next business day. The receiving bank may take an additional day to post the funds to the recipient's account.
What if the wire transfer fails or goes to the wrong account?
Contact Bank of America immediately if a wire fails or you suspect it went to the wrong place. If the wire was rejected, the funds return to your account within several business days. If the wire reached the wrong bank, you'll need to file a dispute and may need to work with law enforcement to recover the money.
Do I need a different routing number to receive a wire transfer?
No. Use the same routing number (121000358) whether you're sending a wire or receiving one. The routing number tells the banking system which bank to send the money to; it works the same direction either way.