Bank of America's routing number for New York is 021000021

If you're sending a wire transfer from a Bank of America account in New York, you'll need routing number 021000021. This nine-digit code tells the banking system which Bank of America processing center handles your account. Bank of America uses the same routing number for all wire transfers originating from New York, regardless of which local branch you use.

The routing number is different from your account number. Your account number identifies your specific account; the routing number identifies the bank and the region where your account is processed. You'll need both pieces of information to send or receive a wire transfer.

Key Takeaways

  • Bank of America's routing number for New York wire transfers is 021000021, and this number is the same for all New York customers.
  • You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
  • Wire transfers require both your routing number and your account number, and providing the wrong routing number will delay or misdirect your transfer.
  • If you're receiving a wire transfer, give the sender your routing number 021000021 along with your full account number and your name as it appears on the account.

Where to find your routing number on checks and online

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, go to your account details or account information section, and the routing number will be listed there.

You can also call Bank of America's customer service line and provide your account information. A representative will confirm your routing number over the phone. Having this information written down before you initiate a wire transfer saves time and reduces the chance of error.

What happens if you use the wrong routing number

If you provide an incorrect routing number, the wire transfer may be sent to the wrong bank or rejected entirely. Some banks will catch the error and return the funds to you, but this process can take several business days. In other cases, the money may be sent to an account at a different institution, and recovering it becomes much more complicated.

Before you send any wire transfer, double-check that you have the correct routing number — 021000021 for Bank of America in New York — and verify it matches what you've entered in your banking system. Taking 30 seconds to confirm prevents delays and frustration.

Receiving a wire transfer to your Bank of America account

When someone wants to send you money via wire transfer to your Bank of America account in New York, you'll need to give them three pieces of information: the routing number (021000021), your full account number, and your name exactly as it appears on your account. Some senders may also ask for your bank's address, which is the address of your local Bank of America branch or the main processing center.

Make sure the sender has your account number correct — this is where mistakes most often happen. A wrong account number combined with the correct routing number means the money goes to someone else's Bank of America account in New York. Confirm the account number digit by digit with the sender before they initiate the transfer.

Differences between routing numbers and SWIFT codes

If you're receiving a wire transfer from outside the United States, the sender may ask for a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. Routing numbers are used for domestic transfers within the U.S.; SWIFT codes are used for international transfers. If the sender is in another country, provide the SWIFT code. If they're in the U.S., provide the routing number.

Some international wire transfers may require both pieces of information, along with your account number and the bank's address. Ask the sender what information their bank requires before you provide anything.

Timing and fees for Bank of America wire transfers

Bank of America wire transfers typically arrive within one business day if sent before the bank's cutoff time, usually around 2 p.m. Eastern Time on business days. Transfers sent after the cutoff or on weekends and holidays will be processed the next business day. Bank of America charges a fee for outgoing wire transfers — the amount varies depending on whether you're sending domestically or internationally, so check your account terms or call customer service for current pricing.

Incoming wire transfers to your Bank of America account are usually free, though some accounts may have different terms. The sender's bank may charge them a fee for sending the wire, but that doesn't affect what you receive.

Frequently Asked Questions

Is 021000021 the routing number for all Bank of America locations in New York?

Yes. Bank of America uses the same routing number for all wire transfers from New York accounts, regardless of which branch you visit or which part of the state you're in. The routing number identifies the bank and the processing region, not the individual branch.

Can I use the routing number from my checks for a wire transfer?

Yes. The routing number printed on your checks is the correct number to use for wire transfers. It's the same nine-digit code you'll need whether you're sending money online, by phone, or in person at a branch.

What if I'm not sure whether I have the right account number?

Log into your Bank of America online account and look at your account details, or call customer service with your identification ready. Never guess at your account number — providing the wrong number means the wire goes to the wrong person, even if the routing number is correct.

Do I need anything else besides the routing number to send a wire transfer?

You'll need the recipient's full name, account number, and routing number (or SWIFT code if they're outside the U.S.). You'll also need to specify the amount and may need to provide a reference or description of the transfer. Your bank will walk you through the required fields when you initiate the transfer.