Bank of America's wire routing number is 021000021

Bank of America uses the same routing number for all wire transfers within the United States: 021000021. This nine-digit code tells the sending bank where to direct your money. You will need this number when you send a wire from another bank to a Bank of America account, or when you provide wiring instructions to someone paying you.

The routing number does not change based on which Bank of America branch you use or which state you live in. Whether you bank in California or New York, the wire routing number stays the same. This is different from ACH transfers (the slower electronic transfers that take one to three business days), which sometimes use different routing numbers depending on your account type and location.

Key Takeaways

  • Bank of America's wire routing number for all domestic wire transfers is 021000021, and it is the same nationwide.
  • You need this number when receiving a wire into your Bank of America account, not when sending money out.
  • The wire routing number is different from the ACH routing number, which Bank of America uses for slower electronic transfers.
  • You can find this number on Bank of America's website, in your account statements, or by calling customer service at 1-800-432-1000.

When you need the wire routing number

You provide Bank of America's wire routing number to someone who is sending you money via wire transfer. This might be an employer sending a paycheck, a client paying an invoice, or a family member transferring funds. The sender's bank uses this number to route the money to the correct financial institution.

You do not need Bank of America's routing number when you are the one sending a wire out of your account. Instead, you will enter the routing number of the bank where the recipient's account is held. Your Bank of America representative or online banking platform will guide you through that process.

Where to find it in your account

The easiest place to locate the wire routing number is your Bank of America checking or savings account statement. It typically appears at the bottom of the first page, often labeled as "Routing Number" or "ABA Number." If you have paper statements, look there first.

You can also log into your Bank of America online banking account and navigate to account details or account information. The routing number is usually displayed alongside your account number. If you cannot find it online, call Bank of America's customer service line at 1-800-432-1000 and a representative can confirm the number for you.

Wire routing number versus ACH routing number

Bank of America maintains separate routing numbers for different types of transfers. The wire routing number (021000021) is used only for wire transfers. The ACH routing number, used for direct deposits, bill payments, and other automated clearing house transfers, may be different depending on your account type and the state where your account was opened.

Using the wrong routing number can delay your transfer or cause it to fail. If someone is sending you money and asks which routing number to use, tell them whether the transfer is a wire or an ACH transfer. If it is a wire, give them 021000021. If it is an ACH transfer, check your statement or online account for the correct ACH routing number.

International wire transfers

If you are receiving a wire transfer from outside the United States, you will also need to provide your bank's SWIFT code in addition to the routing number. Bank of America's SWIFT code is BOFAUS3N. The SWIFT code is a standardized international identifier that works alongside the routing number to direct money across borders.

International wires take longer than domestic wires and may involve additional fees. Bank of America will charge you a fee for receiving an international wire, and the sending bank may charge a fee as well. Ask the person sending the money to confirm the total cost before they initiate the transfer.

What happens after you provide the number

Once the sender has your account number and Bank of America's wire routing number, they submit the wire request through their own bank. Their bank verifies the routing number, deducts the funds from their account, and sends the money to Bank of America. Bank of America then deposits the funds into your account.

Domestic wires typically arrive within one business day, often the same day if sent before the bank's cutoff time (usually 2 p.m. or 3 p.m. in the sender's time zone). You will receive a confirmation number from the sending bank, and you can use that to track the wire. Bank of America will send you a notification when the money arrives in your account.

Frequently Asked Questions

Is the wire routing number the same for all Bank of America accounts?

Yes. All Bank of America checking accounts, savings accounts, and money market accounts use the same wire routing number: 021000021. The number does not change based on your account type, your branch location, or your state.

Can I use the wire routing number to send money out of my Bank of America account?

No. When you send a wire from Bank of America, you provide the routing number of the bank where the recipient's account is held, not Bank of America's routing number. Your Bank of America online banking platform or a representative will help you enter the correct receiving bank's routing number.

What if I give someone the wrong routing number?

The wire will likely be rejected or sent to the wrong bank. The sending bank's system checks the routing number against a database of valid numbers. If the number is invalid or belongs to a different bank, the transfer will fail and the money will be returned to the sender. Contact the sender and provide the correct number so they can try again.

Do I need the wire routing number if someone is depositing a paycheck directly into my Bank of America account?

No. Direct deposit uses the ACH system, not wire transfers, so you need to provide your ACH routing number instead. Check your Bank of America statement or online account for the correct ACH routing number for your specific account.

Is 021000021 the same as Bank of America's main routing number?

Bank of America publishes different routing numbers for different purposes. The wire routing number is 021000021. Other routing numbers may apply to ACH transfers, check processing, or other services. Always confirm which type of transfer you are making before providing a routing number.