Bank of America's wire transfer receiving address
Bank of America accepts incoming wire transfers at its main wire center in Charlotte, North Carolina. The receiving address for domestic and international wires is:
Bank of America 1 Bank of America Plaza Charlotte, NC 28255 USA
You do not need to mail anything to this address. This is the address your sending bank will use when you provide wire instructions. When you initiate a wire transfer to a Bank of America account, you will give your sending bank the recipient's account number and routing number instead — the physical address is what the sending bank's system uses behind the scenes to route the wire correctly.
If you are receiving a wire and need to give someone the address to send it to, provide them with Bank of America's routing number for the region where your account is held. The routing number is what actually matters for the transfer to land in the right place. You can find your account's routing number on the bottom left of your checks, or by logging into your Bank of America account online.
Key Takeaways
- Bank of America's wire center address in Charlotte, North Carolina is used by sending banks to route wires, not by you to mail anything.
- The routing number on your checks or in your online account is what you need to give to someone sending you a wire.
- Domestic and international wires both go to the same Charlotte address; the routing number determines which Bank of America location processes it.
- Wire transfers typically arrive within one business day if sent before the bank's cutoff time, usually 2 p.m. Eastern.
What information the sender actually needs from you
When someone is sending you money by wire, they need your account number and your Bank of America routing number — not the Charlotte address. The routing number tells their bank which financial institution to send the money to. Your account number tells Bank of America which account within the bank should receive it.
You can find both pieces of information on a check from your account. The routing number is the first set of numbers on the bottom left, followed by your account number. If you do not have checks, log into your Bank of America account online, go to Account Details, and both numbers are listed there. Some customers also see this information in the mobile app under account settings.
The sender's bank may also ask for the name on your account exactly as it appears at Bank of America, and your address. Providing accurate information prevents delays. If the name does not match what Bank of America has on file, the wire may be held for verification.
Routing numbers vary by location and account type
Bank of America uses different routing numbers depending on which state your account is in and what type of account you hold. The routing number on your checks is specific to your account's home branch location. This is why you should always give the routing number from your own checks or account details rather than looking up a general Bank of America number online.
If you provide an incorrect routing number, the wire may be sent to the wrong bank or rejected entirely. The sending bank will then have to trace the wire and attempt to recover the funds, which can take several days. Always double-check the routing number before giving it to someone.
How long a wire to Bank of America takes
Domestic wire transfers to Bank of America usually arrive within one business day if the sending bank submits the wire before its cutoff time. Most banks have a cutoff around 2 p.m. Eastern time. Wires sent after the cutoff may not be processed until the next business day.
International wires take longer — typically three to five business days — because they pass through multiple banks and clearing systems. The exact timing depends on the sending country, the receiving country, and whether any intermediate banks are involved. Bank of America cannot speed up an international wire once it has been sent.
Once a wire arrives at Bank of America, it is usually available in your account within a few hours, though it may show as pending for one business day. If you are expecting a wire and it does not appear within the expected timeframe, contact Bank of America customer service with the sender's bank name, the amount, and the date it was sent.
What to do if a wire does not arrive
If you are expecting a wire that has not shown up, first confirm with the sender that they actually submitted it. Ask them for the confirmation number or reference number from their bank — this is proof the wire was sent. Without this, Bank of America cannot trace it.
Once you have the confirmation number, call Bank of America at 1-800-788-8000 and provide it along with the amount and the date sent. Bank of America can then check whether the wire arrived at their Charlotte wire center and where it went. If the wire was sent to an incorrect account number or routing number, it may have landed in another bank's system, and Bank of America can help initiate a trace to recover it.
Tracing a wire takes time — typically five to ten business days. During that period, the sending bank and receiving bank communicate to locate the funds. If the wire was sent to the wrong account at Bank of America, it may be returned to the sender, or Bank of America may hold it pending instructions from the account holder it was sent to.
Fees for receiving a wire at Bank of America
Bank of America does not charge a fee to receive a domestic wire transfer. International incoming wires may have a fee depending on your account type and the wire's origin country — typically $15 to $25. Check your account agreement or call customer service to confirm whether your specific account type is charged for incoming international wires.
The sending bank may charge the sender a fee to send the wire, but that does not affect what you receive. The full amount the sender initiates is what arrives in your account, minus any fees Bank of America deducts (which is rare for incoming wires).
Frequently Asked Questions
Do I need to do anything to receive a wire at Bank of America?
No. Your account is set up to receive wires automatically. You only need to provide the sender with your account number and routing number. Once the wire arrives, it shows up in your account without any action required on your part.
What if I give someone the wrong routing number?
The wire will likely be rejected or sent to the wrong bank. The sending bank will then have to trace it, which takes several days. Always verify your routing number against a check or your online account before giving it to someone.
Can I receive a wire to a Bank of America savings account?
Yes. Wires can be sent to checking accounts, savings accounts, and money market accounts at Bank of America. Provide your account number and routing number for whichever account you want the money to go to.
How do I know if a wire has been received?
Log into your Bank of America account online or check the mobile app. Incoming wires usually show within a few hours of arrival, though they may display as pending for one business day before becoming fully available.
Is the Charlotte address the only place Bank of America receives wires?
Yes, for wire processing purposes. All domestic and international wires to Bank of America accounts are routed through the Charlotte wire center, regardless of where your branch is located. The routing number on your account directs the wire to the correct local branch after it arrives in Charlotte.