Bank of America's Massachusetts routing number is 011000015
If you're sending a wire transfer from a Bank of America account in Massachusetts, you'll need the routing number 011000015. This nine-digit code tells the banking system which financial institution and branch should receive the funds. Bank of America uses the same routing number for all Massachusetts locations, regardless of which branch you bank with.
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 payment system. You'll need both pieces of information to complete a wire transfer.
Key Takeaways
- Bank of America's routing number for Massachusetts wire transfers is 011000015, and this number works for all Bank of America branches in the state.
- The routing number appears on the bottom left of your checks, but you can also find it through your online banking portal or by calling Bank of America directly.
- Wire transfers using the correct routing number typically process within one business day, though some transfers may take longer depending on the receiving bank.
- Double-check the routing number before sending money, because wire transfers cannot be reversed once they leave your account.
Where to find the routing number on your checks
If you have Bank of America checks, the routing number appears in the bottom left corner, printed before your account number. The format is always nine digits with no dashes or spaces. This is the fastest way to locate it if you have a checkbook nearby.
The routing number on your checks is permanent and does not change based on which branch you use or how long you've held the account. Even if you've moved within Massachusetts or switched to a different Bank of America branch, the routing number remains 011000015.
How to find it through online banking
Log into your Bank of America online account and navigate to the account details or account information section. Most banks display the routing number alongside your account number in a single view. You can usually find this under "Account Details," "Account Information," or "Manage Account."
If you cannot locate it in your account dashboard, Bank of America's website has a routing number lookup tool. You can also call Bank of America's customer service line and provide your account information; they will confirm the routing number over the phone before you initiate any transfer.
What information you need to send a wire transfer
Before you contact your bank or log into your account to send a wire, gather the following details about the recipient: their full name, their bank name, their account number, and their bank's routing number. You'll also need to know the amount you want to send and whether the transfer is domestic (within the United States) or international.
Bank of America may ask for additional information depending on the type of transfer. For international wires, you may need the recipient's bank's SWIFT code instead of a routing number. For domestic transfers, the routing number is sufficient. Have all this information ready before you begin, because the wire process moves quickly once you submit it.
Why routing numbers matter for wire transfers
A wire transfer moves money directly from one bank account to another through the Federal Reserve's payment network. The routing number is how the system knows which bank to send the money to. If you use the wrong routing number, the money may go to a different bank entirely, or the transfer may be rejected and returned to your account.
This is why accuracy is critical. Unlike checks or ACH transfers, wire transfers cannot be stopped or reversed once they leave your bank. If you send money to the wrong routing number, you would need to contact that bank and ask them to return the funds, which can take days or weeks and is not may provide.
Common mistakes to avoid
The most common error is confusing the routing number with the account number or the SWIFT code. The routing number is always nine digits and identifies the bank. Your account number is longer and identifies your specific account. A SWIFT code is used for international transfers and looks different from a routing number.
Another mistake is assuming different Bank of America branches have different routing numbers. They do not. All Massachusetts Bank of America locations use 011000015. If someone tells you to use a different number, verify it directly with Bank of America before proceeding. Scammers sometimes provide fake routing numbers to redirect wire transfers.
How long wire transfers take
Domestic wire transfers sent before your bank's cutoff time (usually 2 or 3 p.m.) typically arrive the same business day or the next business day. The exact timing depends on when the receiving bank processes incoming transfers. Some banks process wires immediately; others batch them and process them once per day.
If you send a wire after the cutoff time, it will not process until the next business day. Weekends and federal holidays also delay processing. International wire transfers take longer, usually three to five business days, because they move through additional banking networks.
Frequently Asked Questions
Is the routing number different for checking and savings accounts?
No. Bank of America uses the same routing number (011000015 for Massachusetts) for all account types. The routing number identifies the bank, not the type of account. Your account number is what distinguishes between your checking and savings accounts.
Can I use this routing number for ACH transfers or just wire transfers?
You can use this routing number for both ACH transfers and wire transfers. ACH transfers are slower (typically three to five business days) but cheaper or free, while wire transfers are faster but may have a fee. Bank of America charges for outgoing wire transfers; check your account terms for the current fee.
What if I'm receiving a wire transfer into my Bank of America account in Massachusetts?
The sender will need to use the same routing number (011000015) along with your account number. Make sure you give them the correct account number for the account where you want the money to land. If you have multiple accounts, specify which one.
Do I need a different routing number if I'm sending money to another state?
No. The routing number 011000015 is used for all Bank of America wire transfers, regardless of where the money is going. The routing number identifies your bank, not the destination. The recipient's bank routing number is what matters for where the money arrives.
What should I do if my wire transfer doesn't arrive?
Contact Bank of America immediately with your wire transfer confirmation number. They can trace the transfer and determine whether it was sent to the correct receiving bank. If the routing number was wrong, the receiving bank may be able to return the funds, but this process takes time and is not may provide.