Bank of America's Texas routing number depends on which city your account is held in
Bank of America uses different routing numbers for different regions, and Texas has multiple routing numbers depending on where your account was opened or is serviced. The most commonly used routing number for Bank of America accounts in Texas is 111000025. However, if your account is held through a Bank of America branch in a different state or was opened before a branch consolidation, your routing number may differ.
The routing number is a nine-digit code that tells the banking system which financial institution and which branch location should receive your wire transfer or direct deposit. When you wire money out of a Bank of America account in Texas, the sending bank uses your routing number to confirm they are sending the funds to the correct institution. Using the wrong routing number can delay your transfer or send money to the wrong place entirely.
Key Takeaways
- Bank of America's primary Texas routing number is 111000025, but your specific routing number depends on where your account is held.
- You can find your correct routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
- Using an incorrect routing number will not send your money to the wrong person, but it may cause delays or rejection of the transfer.
- If you have an older account or moved branches, your routing number may be different from the standard Texas number.
How to find your specific Bank of America routing number
The fastest way to find your routing number is to look at a check from your account. The nine-digit number on the bottom left of the check, before your account number, is your routing number. This is the authoritative source because it is tied directly to your account and branch.
If you do not have checks available, log into your Bank of America online banking account or mobile app. Go to the account details or account information section, and your routing number will be listed there. You can also call Bank of America's customer service line at 1-800-432-1000 and provide your account number; they will confirm your routing number over the phone.
When Bank of America uses different routing numbers
Bank of America has consolidated many of its branches over the years, which means older accounts may still be associated with routing numbers from closed locations. If your account was opened before 2010 or you have not moved your account to a newer branch, you may have a different routing number than 111000025.
Additionally, if you opened your account at a Bank of America branch outside Texas but now live in Texas, your account may retain the routing number from the state where it was originally opened. This does not affect your ability to use the account in Texas, but it matters when you are sending or receiving wires.
What happens if you use the wrong routing number
If you provide an incorrect routing number when sending a wire transfer, the sending bank will typically reject the transfer before it leaves their system. The money will be returned to the sender's account, usually within one to three business days. This is a safety feature built into the banking system.
In rare cases, a wire may go to a different Bank of America branch or a different bank entirely if the routing number is close to a valid one. If this happens, contact Bank of America immediately with the wire confirmation number. The bank can often trace the transfer and redirect it to the correct account, though this process can take several days.
Routing numbers versus account numbers
A routing number and an account number are two different pieces of information. The routing number identifies the bank and branch; the account number identifies your specific account at that bank. You need both pieces of information to send or receive a wire transfer or set up a direct deposit.
Your account number is also on the bottom of your checks, to the right of the routing number. When you provide banking information to an employer, creditor, or other institution, they will ask for both your routing number and your account number. Providing only one without the other will not work.
Bank of America routing numbers for other Texas cities
While 111000025 is the primary routing number for most Bank of America accounts in Texas, some older accounts or accounts at specific branch locations may use different numbers. If you have an account at a Bank of America branch in Houston, Dallas, Austin, San Antonio, or another major Texas city, your routing number is most likely still 111000025, but the only way to be certain is to check your checks or contact the bank directly.
Bank of America does not publish a list of routing numbers by city because the company has moved away from branch-specific routing numbers. The modern system uses regional routing numbers that serve multiple branches across a wide area. This simplification means you are unlikely to need a different routing number based on which Texas city you live in.
Frequently Asked Questions
Is 111000025 the routing number for all Bank of America accounts in Texas?
It is the primary routing number for most accounts, but not all. Older accounts or accounts opened at branches that have since closed may have different routing numbers. Check your checks or contact Bank of America to confirm your specific number.
Can I use the same routing number for wire transfers and direct deposits?
Yes. The routing number is the same regardless of whether you are sending a wire transfer, receiving a direct deposit, or setting up an automatic payment. The routing number identifies your bank; the account number identifies your specific account.
What if my check shows a different routing number than 111000025?
Use the routing number on your check. That is the correct number for your account. It may be from an older branch or a previous consolidation, but it is still valid and will work for all banking purposes.
Do I need a different routing number if I move to a different state?
No. Your routing number stays the same even if you move. The routing number is tied to your account, not your location. You can use the same account and routing number anywhere in the country.
How long does a wire transfer take if I use the correct routing number?
Wire transfers typically process the same business day if sent before the bank's cutoff time, usually 2 p.m. local time. If sent after the cutoff, the transfer will process the next business day. Weekends and bank holidays can add additional time.