Bank of America's routing number depends on which state your account is in
Bank of America uses different routing numbers based on the state where your account was opened or is maintained. The most commonly used routing number for Bank of America wire transfers is 026009593, which covers most states. However, if your account is in Connecticut, New Jersey, New York, or Ohio, your routing number may be different.
The routing number is a nine-digit code that tells the banking system which Bank of America branch or processing center handles your account. When you send a wire transfer, the receiving bank uses this number to route your money to the correct location. Using the wrong routing number can delay your transfer or send it to the wrong account.
You can find your specific routing number in several places without calling Bank of America or visiting a branch. The fastest method is to check your checkbook — the routing number appears at the bottom left of every check, before your account number.
Key Takeaways
- Bank of America's primary routing number for wire transfers is 026009593, but some states use different numbers based on where your account is located.
- Your routing number appears at the bottom left of your checks, before your account number, and is always nine digits.
- You can also find your routing number by logging into your Bank of America online account or calling the customer service number on the back of your debit card.
- Using the correct routing number is essential for wire transfers — an incorrect number can cause delays or send money to the wrong account.
Where to locate your routing number online
If you have online banking access, log into your Bank of America account and navigate to the account details or account information section. Most accounts display the routing number alongside your account number. The exact location varies slightly depending on whether you use the mobile app or the desktop website, but it is typically found under "Account Details," "Account Information," or "Manage Account."
You can also call Bank of America's customer service line at 1-800-432-1000. Have your account number ready. A representative can confirm your routing number over the phone and answer questions about whether your state uses a different routing number than the standard one.
Routing numbers by state
Most Bank of America customers use routing number 026009593 regardless of where they live. However, the following states have historically used different routing numbers:
| State | Routing Number |
|---|---|
| Connecticut | 021101108 |
| New Jersey | 021202337 |
| New York | 021202337 |
| Ohio | 041001039 |
| All other states | 026009593 |
Bank of America has consolidated many of its routing numbers over the years, so even if you live in one of these states, your account may use the standard 026009593 number. The only way to be certain is to check your checks, your online account, or call customer service.
What information you need to send a wire transfer
Beyond the routing number, you will need several pieces of information to complete a wire transfer from your Bank of America account. Have the recipient's full name, their bank name, their account number, and their bank's routing number ready before you start.
If the recipient's bank is outside the United States, you will also need the SWIFT code (also called a BIC code) instead of or in addition to the routing number. SWIFT codes are used for international transfers and are different from domestic routing numbers. Bank of America's SWIFT code is BOFAUS3N.
Wire transfer fees vary depending on whether the transfer is domestic or international and whether you send it online or in person. Check your Bank of America account or call customer service for current fee amounts, as they change periodically.
Common mistakes when entering routing numbers
The most frequent error is transposing digits — typing 026009593 as 026009539, for example. Always double-check the number you enter, especially if you are typing it from a check or writing it down by hand. Copy it directly from your official source rather than relying on memory.
Another common mistake is using a routing number from an old account or from a different bank. If you recently switched to Bank of America or moved your account, make sure you are using the current routing number for your active account. Routing numbers can change if your account type changes or if you move to a different state.
Do not confuse your routing number with your account number or your bank's general customer service number. The routing number is always nine digits and appears at the bottom left of checks. Your account number is longer and appears to the right of the routing number on your checks.
Wire transfer timing and confirmation
Domestic wire transfers from Bank of America typically process within one business day, though same-day transfers are sometimes available depending on the time you send the transfer and your account type. International wire transfers usually take three to five business days.
After you send a wire transfer, Bank of America will provide you with a confirmation number. Save this number — it is your proof that the transfer was sent and can help you track the money if there are any questions. If the transfer does not arrive within the expected timeframe, contact Bank of America with your confirmation number and the recipient's information.
Frequently Asked Questions
Is the routing number the same for checking and savings accounts?
Yes. Bank of America uses the same routing number for both checking and savings accounts. The routing number identifies the bank and processing center, not the type of account. Your account number is what distinguishes between your different accounts at the same bank.
Can I use the routing number from my debit card?
No. Your debit card does not display a routing number. The routing number appears only on checks or in your online account details. If you do not have checks, log into your Bank of America account online or call customer service to find your routing number.
What happens if I use the wrong routing number?
The wire transfer may be delayed or sent to the wrong bank. In some cases, the transfer is rejected and returned to your account. Contact Bank of America immediately with your confirmation number if you realize you used an incorrect routing number. The sooner you report it, the better the chance of recovering the funds.
Do I need a different routing number for online wire transfers versus in-person transfers?
No. The routing number is the same regardless of how you send the wire transfer — online, by phone, or in person at a branch. The method of sending does not change the routing number required.