Which Bank of America routing number to use for NYC wire transfers
Bank of America has multiple routing numbers depending on where your account is held and what type of transfer you're making. For wire transfers from a Bank of America account in New York City, the routing number is 021000021. This is the primary routing number for Bank of America's New York operations and works for both domestic and international wire transfers initiated from NYC branches or online banking.
The routing number identifies which Bank of America processing center handles your transfer. Using the correct one matters because an incorrect routing number can delay your wire or send it to the wrong bank entirely. If you're wiring money out of a Bank of America account in NYC, 021000021 is the number you need. If you're receiving a wire into a Bank of America account in NYC, the sender will also use 021000021.
You'll also need your account number and the recipient's full banking details (or your own, if you're receiving). Bank of America can confirm the correct routing number for your specific account type when you call or visit a branch, but 021000021 covers the vast majority of personal and business accounts in the New York City area.
Key Takeaways
- The routing number 021000021 is used for wire transfers from Bank of America accounts in New York City.
- This same routing number applies whether you're sending a wire out or receiving one into a NYC Bank of America account.
- Wire transfers require both the routing number and your account number, plus the recipient's complete banking information.
- Bank of America branches and customer service can confirm the routing number for your specific account if you're unsure.
How routing numbers work in wire transfers
A routing number is a nine-digit code that tells the banking system which financial institution and which branch location should process your transaction. During a wire transfer, the routing number directs your money to the correct bank's processing center, which then routes it to the specific branch and account.
Bank of America uses different routing numbers for different regions and account types. The New York City routing number (021000021) is specific to that region's processing operations. If you have a Bank of America account in another state, that account may have a different routing number, even though it's the same bank. The routing number on the bottom left of your checks is one way to find it, though online banking and customer service are more reliable sources.
Where to find your Bank of America routing number
Your Bank of America checks have the routing number printed on the bottom left corner, before your account number. However, if you don't have checks handy or want to confirm the number for a wire transfer, several faster options exist.
Log into your Bank of America online banking account and look for account details or wire transfer information. Most accounts display the routing number in the account summary section. You can also call Bank of America customer service at 1-800-432-1000 and confirm the routing number for your specific account. If you visit a Bank of America branch in NYC, a teller can provide it immediately and can also walk you through the wire transfer process if you're sending money for the first time.
Sending a wire transfer from Bank of America in NYC
To send a wire transfer from a Bank of America account in New York City, you'll need the routing number (021000021), your account number, and complete information about where the money is going. For domestic wires, you need the recipient's name, account number, and their bank's routing number. For international wires, you'll also need the recipient's bank's SWIFT code and possibly an IBAN (International Bank Account Number).
You can initiate a wire through Bank of America's website, mobile app, or by visiting a branch or calling customer service. Online and app transfers are usually fastest and available 24/7, though some limits may apply to new accounts. Wires sent before 2 p.m. Eastern Time on a business day typically arrive the same day at domestic banks. International wires usually take one to three business days depending on the destination country.
Bank of America charges a fee for outgoing wire transfers, typically between $15 and $30 for domestic wires and higher for international ones. Confirm the current fee before you send, as rates can change. The fee is usually deducted from your account at the time you initiate the transfer.
Receiving a wire transfer into a Bank of America NYC account
When someone sends you money via wire transfer to your Bank of America account in New York City, they will need your routing number (021000021), your account number, and your full name as it appears on the account. Provide this information clearly and confirm it's correct before the sender initiates the transfer.
Incoming domestic wires typically arrive within one business day, often the same day if sent early enough. International incoming wires may take longer depending on the sending country and bank. Bank of America does not charge you a fee to receive a wire transfer. Once the money arrives, it's available in your account immediately, though the funds may be held for a short period if you're a new account holder or if the wire is unusually large.
Common mistakes to avoid with Bank of America routing numbers
The most common error is using an outdated or incorrect routing number. If you find a routing number from an old check or an online source that seems unreliable, verify it with Bank of America directly before sending money. A wire sent to the wrong routing number can end up at another bank, causing delays of several days while the funds are traced and rerouted.
Another mistake is confusing the routing number with the SWIFT code (used for international transfers). Bank of America's SWIFT code for international wires is BOFAUS3N, which is different from the routing number. If you're sending money internationally, you may need both. Also, double-check that you're using the correct account number along with the routing number — the routing number alone won't get your money to the right place.
Don't assume all Bank of America accounts use the same routing number. If you have accounts at multiple Bank of America branches in different states, each may have a different routing number. Always confirm which routing number corresponds to the specific account you're using for the transfer.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America accounts in New York?
021000021 is the primary routing number for Bank of America accounts in the New York City area and most of New York State. Some older accounts or specialized account types may have different routing numbers, so confirm with Bank of America if you're unsure about your specific account.
Can I use the same routing number for checks and wire transfers?
Yes. The routing number on your checks is the same one you use for wire transfers. Both checks and wires use the routing number to identify your bank and branch, so 021000021 works for both.
What happens if I use the wrong routing number?
The wire may be sent to the wrong bank or held up while the banking system tries to locate the correct destination. Contact Bank of America immediately if you realize you used an incorrect routing number. They can sometimes intercept the transfer, but recovery can take several days.
Do I need a different routing number for international wire transfers?
You still use 021000021 as the routing number, but for international transfers you'll also need Bank of America's SWIFT code (BOFAUS3N) and the recipient's IBAN or international account details. The routing number alone is not sufficient for international wires.
Can I send a wire transfer from my phone?
Yes, Bank of America's mobile app allows you to initiate wire transfers if your account is set up for it. You'll enter the routing number, account number, and recipient information through the app. Some new accounts or large transfers may require you to call or visit a branch instead.