Bank of America's Maryland routing number is 051000017

Bank of America uses the same routing number across Maryland: 051000017. This nine-digit code tells the banking system which Bank of America location processes your account, and you'll need it for wire transfers, direct deposits, and ACH payments. The number is the same whether you bank in Baltimore, Annapolis, or anywhere else in the state.

Routing numbers are assigned by the American Bankers Association and don't change based on which branch you visit or which account type you hold. If you're sending money out of a Bank of America account in Maryland or receiving a wire into one, this is the number you provide.

Key Takeaways

  • Bank of America's routing number for all Maryland accounts is 051000017, regardless of which branch you use.
  • You can find your routing number on the bottom left of any check, in your online banking portal, or by calling Bank of America customer service.
  • The routing number stays the same for wire transfers, ACH payments, and direct deposits — you don't need different numbers for different transaction types.
  • Double-check the routing number before sending a wire transfer, because routing errors can delay or misdirect your money.

Where to find your routing number

The fastest way is to look at a check from your Bank of America account. The routing number appears in the bottom left corner, printed in magnetic ink. It's the first set of nine digits, followed by your account number and then the check number on the right.

If you don't have a check handy, log into your Bank of America online banking account or mobile app. Go to Account Details or Account Information — the exact menu name varies by app version — and you'll see your routing number listed there. You can also call Bank of America customer service at 1-800-432-1000 and confirm the number with a representative.

Why the routing number matters for wire transfers

When you send a wire transfer, the routing number tells the Federal Reserve and the receiving bank which financial institution holds the recipient's account. Without it, or with an incorrect number, your money can be delayed or sent to the wrong place. Unlike a check, which can be returned if the routing number is wrong, a wire transfer is harder to reverse once it leaves your account.

Before you initiate any wire transfer, verify the routing number with the person or business receiving the money. Ask them to confirm it matches what they have on file. This extra step takes 30 seconds and prevents costly mistakes.

Using the routing number for other transaction types

The same routing number — 051000017 — works for direct deposits, ACH transfers, and bill payments. Your employer uses it to deposit your paycheck. Utilities and other businesses use it to pull automatic payments from your account. You don't need to look up a different number depending on what kind of transaction you're making.

When you set up automatic payments through a third-party service or your own bank's bill pay feature, you'll enter your Bank of America account number and this routing number. The system uses both pieces of information together to find your specific account.

What to do if you're unsure about the number

If you've already provided a routing number to someone and now you're worried it might be wrong, contact Bank of America directly before the transaction processes. If it's a wire transfer that hasn't gone through yet, you may be able to cancel it. If it's an ACH payment scheduled for a future date, you can usually stop it through your online banking portal or by calling customer service.

For wire transfers that have already been sent, contact your bank immediately. They can file a trace to track the money and may be able to recover it if it went to the wrong institution, but the sooner you report it, the better your chances.

International wire transfers from Maryland

If you're receiving an international wire transfer into your Bank of America account in Maryland, you may need additional information beyond the routing number. The sender might ask for a SWIFT code (Bank of America's is BOFAUS3N) or an IBAN, depending on which country the money is coming from. Ask your bank which details to provide to the sender.

When sending money out of the U.S., you'll typically need the recipient's bank's routing number or SWIFT code, not your own. Your Bank of America branch can walk you through the details specific to the country you're sending to, because requirements vary.

Frequently Asked Questions

Is the routing number different for checking and savings accounts?

No. Bank of America uses 051000017 for all account types in Maryland — checking, savings, money market, and others. The routing number identifies the bank, not the account type. Your specific account is identified by your account number, which is different from the routing number.

Can I use a different Bank of America routing number if I find one online?

You could, but you shouldn't. Bank of America has operated under different routing numbers historically, and some older numbers may still appear in search results. Using an outdated number can delay your transaction. Stick with 051000017 for Maryland accounts, or call the bank to confirm if you find a different number.

What happens if I give someone the wrong routing number?

For wire transfers, the money may be sent to the wrong bank or rejected entirely. For ACH payments and direct deposits, the transaction usually fails and bounces back to the sender. Contact your bank as soon as you realize the error — they can sometimes intercept the payment before it processes.

Do I need the routing number to receive a wire transfer?

Yes. The person or business sending you money needs your Bank of America routing number (051000017) and your account number to complete the wire. They should ask you for both before they initiate the transfer.