Your Bank of America routing number is a nine-digit code that identifies your specific branch to the banking system

When you send a wire transfer from Bank of America, the routing number tells the receiving bank which BOA branch holds your account. It is different from your account number — the routing number is the same for all customers at that branch, while your account number is unique to you. You need both pieces of information to complete a wire transfer.

The routing number you use depends on whether you are sending a domestic wire (within the United States) or an international wire. BOA uses different routing numbers for each type of transfer, and using the wrong one will delay or reject your transaction.

Key Takeaways

  • Bank of America's domestic wire routing number is 121000248, which works for most wire transfers within the United States.
  • International wire transfers use a different routing number and require additional information like a SWIFT code.
  • You can find your routing number on the bottom left of your checks, in your BOA online banking portal, or by calling customer service.
  • Confirm the routing number with the receiving bank before sending money, because an incorrect number can cause the transfer to fail or reach the wrong account.

Finding Your Routing Number on Your Checks

The easiest way to locate your routing number is to look at a check from your BOA account. The nine-digit code appears on the bottom left of the check, before your account number. The routing number is always printed in the same position on every check from that account.

If you do not have checks or prefer not to use them, this method still works if you have access to an old check or a picture of one. The routing number does not change unless you move to a different branch, so an old check is still accurate.

Using Bank of America Online Banking

Log into your BOA online banking account and navigate to the account details or account information section. Most accounts display the routing number alongside the account number in a single view. The exact location varies slightly depending on whether you use the website or the mobile app, but it is typically found under account settings or account summary.

If you cannot locate it in your account dashboard, call BOA customer service or visit a branch in person. A representative can confirm your routing number and verify that it matches the transfer type you plan to use.

Domestic Wire Transfers: The Standard Routing Number

For wire transfers sent within the United States, Bank of America uses the routing number 121000248. This number applies to all BOA domestic wire transfers, regardless of which branch holds your account. When you initiate a wire transfer through BOA's website, phone, or in person, this is the routing number the bank will use on your behalf.

You do not need to enter this number yourself if you are sending the wire through BOA directly — the bank handles it automatically. However, if someone outside BOA is sending you money and needs your routing number, provide 121000248 along with your account number.

International Wire Transfers and SWIFT Codes

International wire transfers work differently and require additional information beyond the routing number. Bank of America uses a SWIFT code (also called a BIC code) for international transfers instead of a routing number. BOA's SWIFT code is BOFAUS3N.

When receiving an international wire, you will typically provide the sender with your SWIFT code, account number, and sometimes your full name and address. The process is more complex than domestic transfers because the money passes through multiple banks in different countries. Ask the sender to confirm all details with their bank before initiating the transfer, because international wires are difficult to reverse once sent.

What Happens If You Use the Wrong Routing Number

If you provide an incorrect routing number, the wire transfer may be rejected by the receiving bank, returned to BOA, or in rare cases sent to the wrong account. The time it takes to discover and correct the error varies — some banks catch mistakes immediately, while others take several business days to process and return the transfer.

Once a wire transfer is sent, you cannot cancel it the way you can cancel a check or stop a credit card charge. If you realize you made an error, contact BOA immediately and provide them with the transfer details. They can attempt to recall the money, but success is not may provide. This is why confirming the routing number with the receiving bank before you send is the safest approach.

Confirming the Routing Number With the Receiving Bank

Before you send any wire transfer, ask the person or business receiving the money to confirm the routing number you plan to use. They can verify it against their bank's records and catch errors before the money leaves your account. This step takes only a few minutes and prevents costly mistakes.

If you are sending money to a business, ask for their wire instructions in writing — most companies provide a standard form with the correct routing number, account number, and any other required information. If you are sending to an individual, contact them directly and ask them to double-check the information with their bank.

Frequently Asked Questions

Is the routing number on my check the same as the one I use for wire transfers?

Yes, for domestic wire transfers. The routing number printed on your check is the same one used for wire transfers within the United States. However, if you are sending an international wire, you will use BOA's SWIFT code instead.

Can I use my account number instead of the routing number?

No. The routing number and account number serve different purposes. The routing number identifies your bank and branch, while the account number identifies your specific account. You need both to complete a wire transfer.

What if I do not know my routing number and cannot access my checks or online banking?

Call Bank of America customer service at the number on the back of your debit card or visit a BOA branch in person. A representative can provide your routing number immediately and confirm it is correct for the type of transfer you plan to send.

Does Bank of America charge a fee to send a wire transfer?

Bank of America charges fees for wire transfers, but the amount varies depending on whether the transfer is domestic or international and whether you send it online or in person. Check your account agreement or contact BOA directly for current fee information.