Bank of America routing numbers in Florida depend on which branch or service you use
Bank of America has multiple routing numbers across Florida because different branches, regions, and service types use different numbers. The most common routing number for Bank of America in Florida is 063000047, which covers most retail banking and wire transfers from Florida locations. However, if you're wiring money or setting up a direct deposit, you need to confirm which specific routing number applies to your account — using the wrong one can delay or misdirect your transfer.
The routing number is a nine-digit code that tells the banking system which Bank of America location or processing center handles your account. It's not the same as your account number, and it's not unique to you — many customers share the same routing number. When you wire money out of a Bank of America account in Florida, the bank uses this number to route the transfer through the Federal Reserve system.
Key Takeaways
- The primary Bank of America routing number for Florida wire transfers is 063000047, but you should verify it matches your specific account before sending money.
- You can find your correct routing number by logging into your Bank of America online account, calling customer service, or checking a deposit slip or bank statement.
- Using an incorrect routing number can cause your wire transfer to be delayed, rejected, or sent to the wrong account.
- Different Bank of America services (wire transfers, ACH transfers, direct deposits) may use the same routing number, but it's worth confirming with the bank before you initiate a transfer.
How to find your routing number on your Bank of America account
The fastest way to confirm your routing number is to log into your Bank of America online account or mobile app. Once you're logged in, look for account details or account information — the routing number is usually listed there alongside your account number. This method takes less than a minute and removes any doubt about which number is correct for your account.
If you don't have online access or prefer to speak with someone, call Bank of America customer service at 1-800-432-1000. A representative can confirm your routing number over the phone and answer questions about whether it applies to the type of transfer you're making. You can also visit a local Bank of America branch in Florida and ask a teller to write down your routing number.
Another option is to look at a check from your Bank of America account. The routing number appears at the bottom left of the check, printed as the first nine digits. If you have a recent bank statement, the routing number may also be listed in the account information section at the top or bottom of the page.
When to use 063000047 versus other routing numbers
The routing number 063000047 is the standard number for most Bank of America customers in Florida who are sending or receiving wire transfers through a retail banking account. This number works for outgoing domestic wire transfers, incoming wire transfers to your account, and most ACH transfers (like direct deposits or bill payments).
Some Bank of America accounts — particularly business accounts, trust accounts, or accounts tied to specific programs — may have a different routing number. If you have a business checking account or a specialized account type, the routing number could differ. This is why confirming with the bank directly is important: using a general routing number on a specialized account can cause the transfer to fail or be delayed while the bank sorts out which account it belongs to.
International wire transfers out of Bank of America also require additional information beyond the routing number, such as a SWIFT code. If you're sending money outside the United States, ask Bank of America for the full set of details needed, not just the routing number.
What happens if you use the wrong routing number
If you enter an incorrect routing number when sending a wire transfer, the Federal Reserve system may reject the transfer outright, and the money returns to your account within a few business days. In other cases, the transfer goes to a different Bank of America account or a different bank entirely, and recovering the money becomes complicated and time-consuming.
Some banks catch errors before the transfer completes and contact you to confirm the details. Bank of America may do this if the routing number doesn't match the account number you provided or if other details seem inconsistent. However, you shouldn't rely on this — it's your responsibility to verify the routing number before you send the transfer.
If you've already sent a wire transfer with the wrong routing number, contact Bank of America immediately. The sooner you report the error, the better the chance of stopping the transfer or recovering the funds. Have your wire confirmation number ready when you call.
Routing number versus account number and wire instructions
The routing number and account number are two separate pieces of information, and you need both to complete a wire transfer. The routing number (063000047 for most Florida Bank of America accounts) tells the system which bank to send the money to. The account number tells the system which specific account at that bank should receive the money. If you provide the correct routing number but the wrong account number, the money goes to the right bank but the wrong person's account.
When you're setting up a wire transfer, you'll also need to provide the recipient's name and address. Bank of America compares this information to the account number to make sure everything matches. If the name doesn't match the account, the bank may flag it as suspicious and delay the transfer while they verify.
Frequently Asked Questions
Is 063000047 the routing number for all Bank of America locations in Florida?
It's the routing number for most retail Bank of America accounts in Florida, but some business accounts, trust accounts, or specialty accounts may use a different number. Check your account details or call the bank to confirm your specific routing number rather than assuming it matches the general Florida number.
Can I use the same routing number for a wire transfer and a direct deposit?
Yes, in most cases the same routing number works for both wire transfers and direct deposits to a Bank of America account in Florida. However, some employers or payroll systems may ask for a different routing number for direct deposits. If you're unsure, provide the routing number from your account details and let the employer or payroll department confirm it's correct.
What if I'm sending money to someone else's Bank of America account in Florida?
You need their routing number (likely 063000047 if they also bank with Bank of America in Florida), their account number, and their full name. You don't need to know which specific branch they use — the routing number directs the transfer to the right processing center, and the account number directs it to their account.
How long does a wire transfer take if I use the correct routing number?
Domestic wire transfers between Bank of America accounts typically complete the same business day if you send them before the cutoff time (usually 2 p.m. Eastern time). Transfers sent after the cutoff or on weekends may not process until the next business day. The routing number itself doesn't affect speed — using the correct one just ensures the transfer reaches the right place.
Do I need a different routing number if I'm wiring money internationally?
International wire transfers require additional information beyond the routing number, including a SWIFT code and sometimes an IBAN. Contact Bank of America directly for the complete set of details needed for an international wire, as the instructions differ from domestic transfers.