How to Wire Money to a Bank of America Account

Bank of America's wire transfer address and routing information

Bank of America does not use a street address for wire transfers. Instead, you send money using the bank's routing number, the recipient's account number, and their name. The routing number you need depends on which state the receiving account is in, because Bank of America operates different routing numbers for different regions.

For most Bank of America accounts, the routing number is 026009593. However, some accounts use 121000248 or 011000015 depending on the branch location and account type. The safest approach is to ask the person receiving the money which routing number their specific account uses, or to look it up on their Bank of America statement — the routing number appears at the bottom left of checks.

You do not need to provide a physical address to complete a wire transfer to Bank of America. You need the recipient's name exactly as it appears on their account, their account number, and the correct routing number for their region. That information goes into your sending bank's wire transfer form.

Key Takeaways

Bank of America wire transfers use a routing number, not a street address — the most common routing number is 026009593, but verify with the recipient first.
You must provide the recipient's full name as it appears on their account and their complete account number for the wire to reach the correct person.
Different Bank of America regions use different routing numbers, so asking the recipient or checking their statement prevents the wire from being sent to the wrong place.
Your own bank's wire department will guide you through entering this information on their form, and most banks charge a fee for outgoing domestic wires.

How to find the correct routing number for a specific account

The fastest way is to ask the person who owns the account. They can tell you the routing number from their checkbook, their online banking portal, or by calling Bank of America customer service at 1-800-432-1000. If you are wiring to a business account, ask the accounting or finance department directly.

You can also look up Bank of America routing numbers by state on the Federal Reserve's routing number database or on Bank of America's own website. Enter the state where the account holder's branch is located. If you are unsure which state, ask the recipient — their branch location determines which routing number applies to their account.

What information you need before you start

Gather these details before you contact your bank to send a wire: the recipient's full legal name (exactly as it appears on their Bank of America account), their complete account number, the correct routing number, and the amount you want to send. You will also need to know whether the account is checking or savings, though your bank may ask this rather than you needing to know it in advance.

If you are sending money to pay an invoice or bill, have that invoice number ready. Some businesses use invoice numbers as a reference code in the wire, which helps them match the payment to what they are owed. Ask the recipient whether they need a reference code before you send the wire.

Wire transfer fees and timing at Bank of America

Bank of America charges the receiving account holder nothing for incoming domestic wires. However, your own bank (the one you are sending from) will charge you a fee for sending the wire — this is typically $15 to $30 for a domestic wire, though it varies by bank. International wires cost more and may include additional fees from intermediary banks.

Domestic wires sent before 2 p.m. on a business day usually arrive the same day. Wires sent after 2 p.m. or on weekends and holidays are processed the next business day. Bank of America does not hold incoming wires — the money appears in the account immediately once it is received and processed, usually within a few hours of being sent.

Common mistakes that delay or reject wires

The most common problem is a mismatched account number or name. If the name on the wire does not match the name on the account exactly, or if the account number is wrong by even one digit, the wire may be rejected or held for review. Bank of America will try to contact the recipient, but this can take several days.

Using the wrong routing number is another frequent issue. If you use a routing number that does not match the recipient's account location, the wire may be sent to a different Bank of America branch and then rerouted, which delays delivery. Always confirm the routing number with the recipient before you send.

Providing incomplete information — such as leaving out the account number or using a nickname instead of the legal name — will cause your bank to reject the wire before it even leaves. Your bank's wire department will catch these errors and ask you to correct them, which is why it is worth double-checking everything before you submit the form.

What to do if a wire does not arrive

If the recipient says they have not received the money within one business day of sending, contact your bank first. Ask them to confirm that the wire was actually sent and provide you with a confirmation number or reference code. Your bank can trace the wire using this number and tell you whether it was delivered to Bank of America or is still in transit.

If your bank confirms the wire was sent to the correct routing number and account, contact Bank of America customer service at 1-800-432-1000 with the wire confirmation number from your bank. Bank of America can search their system for the incoming wire and tell you whether it has been received and posted to the account. If the wire was rejected, they can explain why and what needs to be corrected.

Frequently Asked Questions

Can I wire money to a Bank of America savings account?

Yes. Wire transfers work the same way for savings accounts as they do for checking accounts — you use the same routing number and provide the account number, which identifies whether it is a savings or checking account. The recipient's bank (Bank of America) handles routing the money to the correct account type.

What if I do not know the recipient's account number?

You cannot send a wire without an account number. Contact the recipient and ask them for it. They can find it on their checks, their Bank of America statement, or by logging into their online banking account. Do not guess or use a partial number — the wire will be rejected or sent to the wrong account.

Is there a maximum amount I can wire to Bank of America?

Bank of America does not publish a single maximum wire amount. Limits depend on the recipient's account history, account type, and whether Bank of America has flagged the account for any reason. Your own bank may also have limits on how much you can send in a single wire. Ask your bank if you are sending a large amount.

Can I cancel a wire after I send it?

If you catch the error before the wire is processed — usually within minutes — your bank may be able to stop it. Call your bank immediately with your confirmation number. Once the wire reaches Bank of America and is posted to the account, it cannot be cancelled; you would need to contact the recipient and ask them to send the money back.

Do I need to provide a reason for the wire?

You do not have to, but you can include a brief note or reference code in the wire instructions. This helps the recipient identify what the payment is for. Some businesses require a reference code or invoice number. Ask the recipient whether they need one before you send the wire.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.