Bank of America routing numbers in Texas depend on which region you bank in
Bank of America uses different routing numbers for different parts of Texas. The routing number you need depends on where your account is held, not where you are sending money from. If your account is at a Bank of America branch in Texas, you will use one of two routing numbers: 111000025 for most of Texas, or 121000248 for the Dallas-Fort Worth area and surrounding regions.
The routing number is a nine-digit code that tells the banking system which financial institution holds your account. When you wire money out of your Bank of America account, the sending bank uses your routing number to confirm the account exists and is in good standing. Using the wrong routing number can delay your wire or send it to the wrong bank entirely.
If you are not sure which routing number applies to your account, the safest approach is to call Bank of America directly or log into your online banking portal. Your account statement also lists your routing number at the bottom of the page.
Key Takeaways
- Bank of America in Texas uses routing number 111000025 for most locations and 121000248 for the Dallas-Fort Worth region.
- Your routing number is determined by the location of your Bank of America branch, not by where you are sending money.
- You can find your routing number on the bottom left of any check, on your account statement, or by calling Bank of America customer service.
- Using the correct routing number is essential for wire transfers to reach the right account without delay.
How to locate your routing number online or by phone
If you have online banking access, log into your Bank of America account and look at your account details or account summary page. The routing number is usually listed under "Account Information" or "Bank Details." Some accounts display it directly on the dashboard; others require you to click into a specific account to see it.
You can also call Bank of America's customer service line at 1-800-432-1000. A representative can confirm your routing number in seconds and answer questions about whether it is correct for your wire transfer. Have your account number ready when you call.
If you have a checkbook, the routing number appears in the bottom left corner of every check, printed as a nine-digit code before your account number.
The difference between routing numbers for Dallas-Fort Worth and the rest of Texas
Bank of America maintains separate routing infrastructure for the Dallas-Fort Worth metropolitan area because of the volume of transactions and the size of the region. If your account is held at a Bank of America branch in Dallas, Fort Worth, Arlington, Plano, or the surrounding counties, use routing number 121000248. For all other Texas locations, use 111000025.
The distinction matters only for outgoing wires from your account. If someone is sending you money and they ask for your routing number, give them the one that corresponds to your branch location. Incoming wires will not process correctly if the wrong routing number is provided.
What happens if you use the wrong routing number
If you enter an incorrect routing number when sending a wire, the transfer may be rejected by the receiving bank before it leaves your account. In that case, the money returns to you within a few business days, and you can resend it with the correct information. Bank of America will not charge you for a rejected wire.
In rare cases, a wire sent to the wrong routing number may be accepted by a different bank. This creates a more serious problem because the money goes to the wrong institution, and recovering it requires contacting that bank and filing a trace request. This process can take weeks. For this reason, double-check your routing number before you confirm any wire transfer.
Routing numbers versus account numbers and SWIFT codes
A routing number identifies the bank branch where your account is held. An account number identifies your specific account within that bank. Both are required for a domestic wire transfer. The routing number goes in one field, and the account number goes in another.
If you are sending money internationally, you will also need a SWIFT code, which is different from a routing number. Bank of America's SWIFT code is BOFAUS3N. SWIFT codes are used only for international wires; domestic transfers use routing numbers.
Confirming your routing number before you wire money
Before you initiate any wire transfer, verify your routing number through at least one of these methods: check your account statement, log into online banking, or call customer service. Do not rely on a routing number you find on a website or that someone else provides to you, even if it looks official.
When you enter the routing number into the wire transfer form, Bank of America's system will usually validate it and display the name of the receiving bank. If the name does not match where you intend to send the money, stop and contact the recipient to confirm the correct routing number before proceeding.
Frequently Asked Questions
Do I need a different routing number if I am sending money out of state?
No. Your routing number is based on where your Bank of America account is located, not where the money is going. You use the same routing number whether you are sending a wire to another state or within Texas.
Can I use routing number 111000025 if my branch is in Dallas?
No. If your account is at a Bank of America branch in the Dallas-Fort Worth area, you must use 121000248. Using the wrong routing number can cause delays or rejection of your wire transfer.
What if my check shows a different routing number than what Bank of America told me?
Call Bank of America to clarify. Older checks or checks from accounts that were transferred between branches sometimes show outdated routing numbers. Your current account statement or online banking portal will show the correct routing number for your wire transfer.
Is the routing number the same for checking and savings accounts?
Yes. Both checking and savings accounts at the same Bank of America branch use the same routing number. The account number is what distinguishes between the two accounts.