Bank of America routing numbers depend on which state your account is in

Bank of America uses different routing numbers based on the state where your account was opened, not where you live now. The most commonly used routing number is 021000021, which covers accounts opened in most states. However, if your account was opened in Connecticut, New Jersey, New York, or Pennsylvania, your routing number is 021201033. If it was opened in Illinois, Indiana, or Michigan, use 071101307.

The routing number tells the sending bank which Federal Reserve branch handles your account and which Bank of America processing center to route the money to. Using the wrong one can delay your wire transfer by a day or more, or in rare cases cause the money to be sent to the wrong account entirely.

You can confirm which routing number applies to your account by checking your account opening documents or calling Bank of America directly at 1-800-432-1000. They can tell you in under a minute which state your account is registered to.

Key Takeaways

  • Bank of America's most common routing number is 021000021, but it varies by the state where your account was originally opened.
  • Accounts opened in Connecticut, New Jersey, New York, or Pennsylvania use routing number 021201033.
  • Accounts opened in Illinois, Indiana, or Michigan use routing number 071101307.
  • You can find your specific routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.

Where to find your routing number on your checks

If you have Bank of America checks, the routing number is printed on the bottom left corner of every check. It is the first set of nine digits, followed by your account number and then the check number on the right side. The routing number will be in a box or clearly separated from the other numbers.

Not all Bank of America customers have checks, and some people prefer not to use them. If you do not have checks or cannot locate them, your online banking portal is the next fastest option.

Finding your routing number in your Bank of America online account

Log into your Bank of America account on their website or mobile app. Go to the account details or account information section — this is usually under "Settings" or "Account Services." Your routing number will be listed alongside your account number. Some versions of the app show it under "Account Details" or "Wire Transfer Information."

If you cannot find it in your account portal, you can also look at any recent bank statements. Bank of America sometimes prints the routing number at the top or bottom of the statement, though not all statements include it.

What to do if you have an older Bank of America account

Bank of America has merged with several other banks over the years, including LaSalle Bank and MBNA. If your account predates one of these mergers or was transferred from another bank, your routing number may not match the standard ones listed above. Call Bank of America at 1-800-432-1000 and have your account number ready — they will give you the correct routing number for your specific account.

Do not guess or use a routing number you find online without confirming it with the bank first. A wrong routing number can send your wire to the wrong financial institution, and recovering the money can take weeks.

Double-checking your routing number before sending a wire

Before you initiate a wire transfer, verify your routing number one more time. Write down both the routing number and your account number, then read them back to yourself digit by digit. A single wrong number in the routing number sends the wire to a different bank or processing center.

If you are sending money to someone else's Bank of America account, ask them to confirm their routing number with you as well. Many wire transfer delays happen because the sender used the wrong routing number for the recipient's account.

International wire transfers from Bank of America

If you are sending money outside the United States, you will need a different code called a SWIFT code instead of a routing number. Bank of America's SWIFT code is BOFAUS3N. Some international transfers also require an IBAN (International Bank Account Number), which is specific to the recipient's bank and country, not to Bank of America.

For international wires, contact Bank of America directly or use their online wire transfer tool, which will prompt you for the correct codes based on the destination country. International wires have different fees and processing times than domestic transfers.

Frequently Asked Questions

Can I use the same routing number for all my Bank of America accounts?

If all your accounts were opened in the same state, yes. But if you have accounts opened in different states, each one may have a different routing number. Log into each account separately or call the bank to confirm which routing number belongs to which account.

What happens if I use the wrong routing number?

The wire may be sent to a different bank or processing center. Some banks will reject it and send it back to you within a few days. Others may hold it in a suspense account. Contact Bank of America immediately if you realize you used the wrong number — they can sometimes intercept the wire before it leaves their system.

Is the routing number the same as my account number?

No. Your routing number identifies Bank of America and the processing center for your account. Your account number identifies your specific account within Bank of America. You need both for a wire transfer.

Do I need a routing number to receive a wire transfer?

Yes. The person sending you money will need your routing number and your account number. Give them both pieces of information to avoid delays.