Bank of America's routing number for Illinois wire transfers is 071000013
If you're sending a wire transfer from a Bank of America account in Illinois, you'll need the routing number 071000013. This nine-digit code tells the banking system which financial institution should receive the money. Bank of America uses the same routing number for all wire transfers originating from Illinois branches, regardless of which specific branch you use.
The routing number is different from your account number. Your account number identifies your specific account within the bank, while the routing number identifies Bank of America itself in the Federal Reserve's system. You'll need both pieces of information to complete a wire transfer.
Key Takeaways
- Bank of America's routing number for Illinois wire transfers is 071000013, used for all outgoing wires from the state.
- The routing number appears on the bottom left of your checks, but you should verify it directly with Bank of America before sending money.
- Wire transfers typically process within one business day, but the receiving bank may take additional time to credit the funds.
- If you're receiving a wire transfer to your Bank of America account in Illinois, provide the sender with 071000013 plus your full account number.
Where to find your routing number on paper documents
If you have a Bank of America checkbook, the routing number appears in the bottom left corner of each check, printed before your account number. The format is always nine digits with no dashes or spaces. However, do not rely solely on a check you haven't used recently — routing numbers can change, and you should verify the number directly with the bank before initiating a wire transfer.
Your Bank of America statement may also display the routing number, though not all statements include it. If you're unsure, call Bank of America's customer service line or log into your online banking account, where the routing number is typically listed under account details or transfer settings.
Verifying the routing number before you wire
Wire transfers are permanent once sent. Money transferred to the wrong routing number goes to the wrong bank, and recovering it is difficult and slow. Before you initiate any wire transfer, confirm the routing number directly with Bank of America by phone or through your online account portal.
If you're sending money to someone else's Bank of America account in Illinois, ask them to provide the routing number themselves rather than looking it up independently. This reduces the chance of a typo or outdated information causing the transfer to fail or go to the wrong place.
What information you need to send a wire transfer
To send a wire transfer from your Bank of America account, you'll need the recipient's bank routing number, the recipient's account number, the recipient's full name, and the amount you want to send. If the recipient's bank is outside the United States, you may also need a SWIFT code (an international equivalent of a routing number) and additional details like the bank's address.
Bank of America charges a fee for outgoing domestic wire transfers — the amount varies depending on whether you send the wire in person at a branch, by phone, or through online banking. Check your account terms or call the bank to confirm the current fee before you send.
How long a wire transfer takes
Once you initiate a wire transfer from Bank of America, the money typically leaves your account within one business day. However, the receiving bank may take an additional one to two business days to credit the funds to the recipient's account. Wire transfers sent on weekends or holidays may not process until the next business day.
If you need the money to arrive by a specific date, initiate the transfer at least two business days before that deadline. If the transfer does not arrive within the timeframe the bank quoted you, contact Bank of America immediately with your confirmation number — the bank can trace the wire and help locate the funds.
Receiving a wire transfer to your Bank of America account
If someone is sending you money via wire transfer to your Bank of America account in Illinois, give them the routing number 071000013 along with your complete account number. Some senders may also ask for your full name and the bank's address to confirm they're sending to the right place.
Bank of America typically credits incoming wire transfers to your account on the same business day they arrive, though timing depends on when the sending bank initiates the transfer. You'll receive a notification when the funds hit your account, either by email, text, or through your online banking portal depending on your notification settings.
Frequently Asked Questions
Is 071000013 the routing number for all Bank of America locations?
No. Bank of America uses different routing numbers depending on the state where the account is held. 071000013 is specific to Illinois. If you have an account in another state, you'll need that state's routing number. Always verify the correct routing number for the state where your account is located.
Can I use the routing number from my debit card instead of a check?
Debit cards do not display routing numbers. You must use the routing number from a check, your bank statement, or your online banking account. If you don't have access to any of these, call Bank of America directly to confirm the correct routing number before sending a wire.
What happens if I send a wire to the wrong routing number?
The wire will go to a different bank. Contact Bank of America immediately with your confirmation number and explain the error. The bank can attempt to recall the transfer, but success depends on whether the receiving bank has already processed it. Recovery can take weeks or may not be possible at all.
Do I need a different routing number for ACH transfers versus wire transfers?
Bank of America uses the same routing number (071000013 for Illinois) for both ACH transfers and wire transfers. However, ACH transfers are slower and cheaper than wires, typically taking three to five business days to complete.