Bank of America's routing number for Texas wire transfers

Bank of America uses routing number 111000025 for wire transfers from most Texas locations. This nine-digit code tells the sending bank which Federal Reserve facility and which Bank of America branch will receive the money. If you're sending a wire from outside the U.S., you may also need Bank of America's SWIFT code, which is BOFAUS3N.

The routing number stays the same whether you're wiring money into a checking account, savings account, or money market account at Bank of America in Texas. However, the receiving account number — not the routing number — determines which specific account gets the funds. Double-check both numbers before you send, because wire transfers cannot be reversed once they leave your bank.

Bank of America maintains different routing numbers for different states and different transaction types (ACH transfers, checks, wires). Using the wrong routing number will delay your transfer or send it to the wrong place entirely. If you're unsure which number applies to your situation, call Bank of America directly at 1-800-432-1000 or log into your online banking portal, where the correct routing number for your account type is usually listed.

Key Takeaways

  • Bank of America's wire transfer routing number for Texas is 111000025, a nine-digit code that directs money to the correct Federal Reserve facility.
  • International wire transfers may require the SWIFT code BOFAUS3N in addition to the routing number.
  • The routing number is the same for all account types (checking, savings, money market) but the receiving account number must also be correct.
  • Wire transfers cannot be reversed, so verify both the routing number and account number before sending money.
  • If you receive a different routing number from Bank of America or another source, contact Bank of America to confirm it matches your account type and location.

When you might need a different routing number

Bank of America issues different routing numbers depending on what kind of transaction you're making. The routing number for a wire transfer (111000025) is not the same as the routing number for an ACH transfer or for depositing a check. If you're setting up automatic bill payments or direct deposit, you'll need the ACH routing number instead, which may differ.

Some older Bank of America accounts or accounts opened through a merger may have legacy routing numbers. If your account was opened before a Bank of America acquisition or branch consolidation, your statement might show a different routing number. The safest approach is to look at your most recent bank statement or call Bank of America directly rather than relying on a number you find online.

How to find your routing number if you're unsure

Your Bank of America statement lists the routing number in the bottom left corner of every check, printed as the first set of nine digits. If you don't have a check handy, log into your Bank of America online banking account, go to Account Details or Account Information, and look for the routing number listed there. The routing number shown in your online portal is specific to your account and transaction type.

You can also call Bank of America's customer service line at 1-800-432-1000 and provide your account number. A representative can confirm the correct routing number for your wire transfer and verify that the receiving bank's details are correct before you send the money. This step takes five minutes and prevents costly mistakes.

What happens if you use the wrong routing number

If you enter an incorrect routing number, the wire may be rejected by the receiving bank and returned to you within one to three business days. In some cases, the money goes to a different Bank of America branch or account, and you'll need to contact that branch to retrieve it. The sending bank cannot simply redirect the wire — the receiving bank has to process the return.

International wires with the wrong routing number or SWIFT code can take much longer to return, sometimes two to four weeks. During that time, your money is in transit and you cannot access it. For this reason, many people send a small test wire first (even $1) to confirm the account details are correct before sending a large amount.

Routing number versus account number: what's the difference

The routing number identifies the bank and the specific branch or processing center. The account number identifies your individual account within that bank. A wire transfer needs both: the routing number tells the Federal Reserve which bank to send the money to, and the account number tells that bank which account within the bank should receive it.

Think of it like an address: the routing number is the city and street, and the account number is the house number. Without the house number, the mail carrier knows the neighborhood but not which house to enter. Similarly, without the account number, the receiving bank knows money is coming but not where to put it.

International wire transfers from Bank of America in Texas

For wire transfers to accounts outside the United States, you'll need the SWIFT code BOFAUS3N in addition to the routing number. Some countries also require an IBAN (International Bank Account Number) or other local account identifier. The receiving bank's details — not Bank of America's routing number — determine what additional information you need to provide.

International wires typically take one to three business days but can take longer depending on the receiving country and bank. Bank of America charges a fee for outgoing international wires, usually between $15 and $45 depending on the amount and destination. Ask about the fee before you send, because it may be deducted from the amount that arrives at the receiving bank.

Frequently Asked Questions

Is 111000025 the routing number for all Bank of America locations in Texas?

Yes, 111000025 is Bank of America's wire transfer routing number for all Texas locations. Bank of America consolidated its routing numbers years ago, so individual branches no longer have separate codes. The routing number is the same whether you're wiring from Houston, Dallas, Austin, or anywhere else in Texas.

Do I need a different routing number if I'm sending money to a Bank of America account in another state?

No. Bank of America's wire transfer routing number 111000025 works for sending money to any Bank of America account in the United States, regardless of which state the account is in. The routing number directs the wire to Bank of America's processing center, and the account number directs it to the specific account.

What's the difference between a routing number and a SWIFT code?

The routing number is used for domestic U.S. wire transfers and tells the Federal Reserve which U.S. bank to send money to. The SWIFT code is used for international wire transfers and identifies the bank globally. For wires within the U.S., you only need the routing number. For wires outside the U.S., you need the SWIFT code.

Can I find the routing number on my debit card?

No, the routing number does not appear on your debit card. It appears on the bottom left of your checks, in your online banking portal, or on your bank statement. If you don't have access to any of these, call Bank of America at 1-800-432-1000 and provide your account number.

What if Bank of America gave me a different routing number?

If a Bank of America representative gave you a different number, ask them to confirm it is for wire transfers specifically and for your account type. Routing numbers vary by transaction type, so it's possible you were given the ACH routing number or a legacy number. Verify the number in writing before you use it for a large wire transfer.