Bank of America's North Carolina routing number is 053000196
If you're sending a wire transfer from a Bank of America account in North Carolina, you'll need the routing number 053000196. This nine-digit code tells the banking system which Bank of America processing center handles your account. Every wire transfer requires a routing number, an account number, and the recipient's banking details to move money correctly.
Bank of America uses the same routing number for all North Carolina branches. The routing number doesn't change based on which city your branch is in or which specific location you visit. When you wire money, the routing number directs the transfer to Bank of America's main processing facility, not to your local branch.
Key Takeaways
- Bank of America's routing number for North Carolina wire transfers is 053000196, and it's the same for all NC branches.
- You'll need your own account number, the recipient's account number, and the recipient's bank routing number to complete a wire transfer.
- You can find your account number on your checks, your debit card, or by logging into your Bank of America online account.
- Wire transfers typically process within one business day, though the receiving bank may take additional time to post the funds.
Where to find your own account number
Your Bank of America account number appears on the bottom left of your checks, right after the routing number. If you don't have checks handy, log into your Bank of America online account or mobile app—your account number is listed in the account details section. You can also call Bank of America customer service or visit a branch in person to confirm your account number before sending a wire.
Don't confuse your account number with your debit card number. Your debit card has 16 digits; your account number is typically 10 digits. The wire transfer system needs the account number, not the card number, to route money correctly.
Information you need from the person receiving the money
Before you initiate a wire transfer, gather the recipient's full name, account number, and their bank's routing number. If the recipient banks at another institution, you'll need that bank's routing number, not Bank of America's. Ask the recipient to confirm these details in writing or have them provide a voided check—the routing and account numbers printed on a check are the most reliable way to get accurate information.
If the recipient's bank is outside the United States, you'll also need their SWIFT code (an international banking identifier) instead of a routing number. International wire transfers follow different rules and may take several business days to complete.
How to send a wire transfer from Bank of America
You can initiate a wire transfer through Bank of America's website, mobile app, or by visiting a branch or calling customer service. Online and mobile transfers are usually fastest—you can complete them in minutes. If you call or visit in person, a representative will walk you through the process and confirm all details before the transfer is sent.
Bank of America charges a fee for outgoing domestic wire transfers, typically between $15 and $30 depending on whether you send it online or through a representative. International wire transfers cost more. The fee is deducted from your account at the time you send the transfer. Some Bank of America account types waive wire transfer fees, so check your account terms or ask a representative.
Timing and what happens after you send the wire
Domestic wire transfers sent before the bank's cutoff time (usually 2 p.m. Eastern time on business days) typically process the same day. If you send a wire after the cutoff or on a weekend or holiday, it will process on the next business day. Once Bank of America sends the wire, the money leaves your account immediately, even if the recipient's bank hasn't received it yet.
The receiving bank controls how long it takes to post the funds to the recipient's account. Most banks post wire transfers within one business day, but some take longer. If the recipient doesn't see the money within two business days, contact Bank of America with your wire confirmation number—you'll receive this number when the transfer is sent—and they can trace the transfer.
Double-check before you send
Wire transfers are difficult to reverse once they're sent. Bank of America can attempt to recall a wire only if it hasn't been received yet, and success is not may provide. Before you hit send, verify the recipient's name, account number, and routing number one more time. A single digit wrong in the account number can send money to the wrong person.
If you're sending a large amount or wiring to someone for the first time, consider sending a small test transfer first. This confirms the account details are correct without risking a large sum. Once the test transfer arrives, you can send the full amount.
Frequently Asked Questions
Is 053000196 the routing number for all Bank of America locations?
053000196 is Bank of America's routing number for North Carolina. Bank of America uses different routing numbers in other states, so if you're sending money to or from an account outside North Carolina, you'll need a different routing number. Check with the other bank or use Bank of America's routing number lookup tool on their website.
Can I wire money from a Bank of America savings account?
Yes, you can send wire transfers from both checking and savings accounts at Bank of America. The process is the same, and the routing number remains 053000196 for North Carolina accounts. Some savings accounts may have limits on the number of transfers you can make per month, so check your account terms.
What if I enter the wrong routing number?
If you use an incorrect routing number, the wire may be rejected, delayed, or sent to the wrong bank. If the receiving bank catches the error, they'll typically return the money to Bank of America, which then returns it to your account—this can take several business days. Contact Bank of America immediately if you realize you've made an error before the transfer is sent.
Do I need the routing number to receive a wire transfer?
Yes. Anyone sending you money via wire transfer will need your Bank of America routing number (053000196 for North Carolina), your account number, and your full name. Provide this information to the sender before they initiate the transfer to avoid delays or errors.