Bank of America's New Jersey routing number is 021000021
If you're sending a wire transfer from a Bank of America account in New Jersey, you'll need the routing number 021000021. This nine-digit code tells the banking system which financial institution and branch will receive or send your money. Bank of America uses the same routing number across all New Jersey locations, so the branch you bank at doesn't matter.
The routing number is different from your account number. Your account number identifies your specific account within the bank; the routing number identifies the bank itself in the Federal Reserve system. When you wire money, you need both pieces of information to reach the right destination.
Key Takeaways
- Bank of America's routing number for New Jersey wire transfers is 021000021, and it's the same for all branches in the state.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Wire transfers require both the routing number and the receiving account number to process correctly.
- Double-check the routing number before sending a wire, since mistakes can delay the transfer or send money to the wrong account.
Where to find your routing number
The easiest place to locate your routing number is on a check from your Bank of America account. Look at the bottom left corner of the check — the first nine digits printed there are your routing number. If you don't have checks handy, log into your Bank of America online banking account and go to the account details or settings section, where the routing number is usually listed.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. Have your account number ready when you call. If you're at a Bank of America branch in person, any teller can provide it to you immediately.
What information you need to send a wire
A wire transfer requires more than just the routing number. You'll need the recipient's full name, their account number, and their bank's routing number. If the recipient banks at a different institution, you'll need that bank's routing number, not Bank of America's. You should also have the recipient's bank address and, for international wires, the SWIFT code.
Bank of America will ask you to confirm all this information before processing the wire. Take time to verify each detail — especially the account number and routing number — because wires are difficult to reverse once they leave your account. A single digit wrong in the account number can send your money to someone else's account at the same bank.
Wire transfer fees and timing
Bank of America charges a fee for outgoing domestic wire transfers, though the amount varies depending on whether you're a regular customer or a premium account holder. Incoming wires are usually free. Check your account terms or call customer service to confirm the current fee for your account type.
Domestic wires typically arrive the same business day if you send them before the bank's cutoff time, usually around 2 p.m. Eastern Time. Wires sent after the cutoff or on weekends and holidays will process the next business day. International wires take longer — usually three to five business days — because they pass through multiple banks and clearing systems.
How to send a wire from Bank of America
Log into your Bank of America online banking account and look for the "Transfer Money" or "Wire Transfer" option. You'll enter the recipient's information, including their routing number, account number, and name. Review all the details carefully before confirming.
If you prefer not to use online banking, you can visit a Bank of America branch in person or call 1-800-432-1000 to initiate a wire over the phone. Phone wires may take slightly longer to process because a representative has to enter the information manually, but they're useful if you have questions or need guidance during the process.
Common mistakes to avoid
The most common error is confusing the routing number with the account number or using the wrong bank's routing number. The routing number is always nine digits and identifies the bank; your account number is longer and identifies your specific account. If you're sending money to someone at a different bank, use their bank's routing number, not Bank of America's.
Another frequent mistake is entering the account number incorrectly. A single digit wrong will send the money to a different account, possibly at the same bank. Some accounts use letters or special characters, so copy the account number exactly as the recipient provided it. If you're unsure, ask the recipient to confirm their account number before you send the wire.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America locations?
No. 021000021 is specific to New Jersey. Bank of America uses different routing numbers in different states. If you're sending a wire to a Bank of America account in another state, you'll need that state's routing number. You can find state-specific routing numbers on Bank of America's website or by calling customer service.
Can I use the routing number from my debit card?
No. Your debit card does not display your routing number. The routing number appears only on checks, in your online banking account, or through customer service. The numbers on your debit card are the card number and expiration date, not banking routing information.
What happens if I use the wrong routing number?
If the routing number doesn't match a real bank, the wire will be rejected and the money returned to your account, usually within one to three business days. If the routing number is correct but the account number is wrong, the money may go to a different account at that bank, and recovery is difficult. Always verify both numbers before sending.
Do I need a different routing number for mobile banking?
No. The routing number is the same regardless of how you access your account — online, mobile app, phone, or in person. The routing number identifies your bank, not the method you use to send the wire.