Which Bank of America routing number you need depends on your wire type and location
Bank of America uses different routing numbers for domestic wires, international wires, and ACH transfers. The routing number you need is not the same as the one on your checks. For a domestic wire sent from a Bank of America account, you will use routing number 011000015. This is the standard routing number for wire transfers originating from Bank of America branches across the United States.
If you are receiving a wire into a Bank of America account, the sender needs the same routing number: 011000015. The sender will also need your account number and full name as it appears on your account. Bank of America does not use different routing numbers based on which state your branch is in — the routing number 011000015 works for all domestic wires regardless of location.
International wires have a separate routing path. If you are sending money outside the United States from a Bank of America account, you will need to provide your SWIFT code instead of a routing number. Bank of America's SWIFT code for international wires is BOFAUS3N. The receiving bank will also need your International Bank Account Number (IBAN) if the destination country uses one.
Key Takeaways
- Use routing number 011000015 for all domestic wire transfers to or from Bank of America accounts in the United States.
- Routing numbers for wires are different from the routing number printed on your checks, so do not use the check routing number for wire transfers.
- International wires from Bank of America require the SWIFT code BOFAUS3N, not a routing number.
- When receiving a wire, provide the sender with your routing number, account number, and full account name to ensure the money reaches the correct account.
How to find your Bank of America routing number if you do not have it memorized
Log into your Bank of America online account or mobile app and navigate to your account details or account information section. Most accounts display the routing number alongside the account number. You can also call Bank of America customer service at 1-800-432-1000 and ask for the wire transfer routing number — they will confirm it is 011000015.
If you have a Bank of America debit card or checkbook, do not use the routing number printed on those items. The routing number on checks is used for ACH transfers and check processing, not wire transfers. Using the wrong routing number will cause the wire to be rejected or delayed.
The difference between routing numbers for wires, checks, and ACH transfers
Bank of America maintains separate routing numbers for different types of transfers because each method uses a different payment network. Checks and ACH transfers (like direct deposit or bill pay) use one routing number, while wire transfers use another. This separation exists across all banks, not just Bank of America.
The routing number on your checks is typically nine digits and identifies your specific branch or region. The wire transfer routing number 011000015 is a national number that routes all wire traffic through Bank of America's wire processing center. Using the check routing number for a wire will not work — the wire will be rejected by the Federal Reserve or the receiving bank.
What information the sender needs to send you a wire
To receive a domestic wire into your Bank of America account, give the sender these four pieces of information: your full name as it appears on your account, your Bank of America account number, the routing number 011000015, and your Bank of America branch location (optional but helpful). The sender's bank will ask for all of this before processing the wire.
Do not share your PIN, password, or Social Security number with the sender. The four pieces of information above are all that is needed. If the sender's bank asks for additional information, contact Bank of America to confirm what is legitimate before providing anything else.
Wire transfer timing and when the routing number matters
Domestic wires sent using the correct routing number typically arrive within one business day, often within hours. The routing number is what tells the Federal Reserve and the receiving bank where to send the money. If the routing number is wrong, the wire will be rejected and returned to the sender, which can take several days.
Bank of America processes wire transfer requests during business hours, Monday through Friday. Wires sent after 2 p.m. Eastern Time on a business day may not process until the next business day. Weekend and holiday wires are queued and processed on the next business day. The routing number itself does not affect timing, but using the correct one ensures the wire is not rejected.
International wires and when you need the SWIFT code instead
If you are sending money to a bank account outside the United States, you cannot use the domestic routing number 011000015. Instead, you will provide Bank of America's SWIFT code, which is BOFAUS3N. The receiving bank's country determines whether they use SWIFT codes, IBANs, or other identifiers.
When sending an international wire, Bank of America will ask for the receiving bank's SWIFT code or BIC code as well. You will also need the recipient's name, account number, and the receiving bank's address. International wires typically take three to five business days and may include currency conversion fees. Ask Bank of America about fees before sending an international wire.
Frequently Asked Questions
Is the routing number on my Bank of America checks the same as the wire transfer routing number?
No. The routing number printed on your checks is for ACH transfers and check processing. The wire transfer routing number is 011000015. Using the check routing number for a wire will cause the transfer to fail. Always use 011000015 for wires.
Do I need a different routing number if my Bank of America branch is in a different state?
No. All Bank of America domestic wires use the same routing number: 011000015. The routing number does not change based on your branch location or state. This single routing number works for wires from any Bank of America account in the United States.
What should I do if a wire I sent was rejected?
Contact Bank of America immediately to find out why the wire was rejected. Common reasons include an incorrect routing number, wrong account number, or a mismatch between the account name and the name provided. Bank of America can help you correct the information and resend the wire. Rejected wires are typically returned within one to three business days.
Can I send a wire using Bank of America's mobile app?
Yes, Bank of America allows wire transfers through its mobile app and online banking platform. You will enter the recipient's routing number, account number, and name. For your own outgoing wires, you do not need to enter Bank of America's routing number — you only need it when someone is sending money to you.
What is the difference between a SWIFT code and a routing number?
A routing number is used for domestic transfers within the United States. A SWIFT code is used for international transfers and identifies banks worldwide. Bank of America's SWIFT code is BOFAUS3N. If you are sending money outside the U.S., use the SWIFT code. For domestic wires, use the routing number 011000015.