Bank of America's California routing number depends on which account type and service you're using

Bank of America uses different routing numbers for different purposes, even within California. The most common routing number for Bank of America accounts in California is 121000248, which works for most domestic wire transfers, ACH payments, and direct deposits. However, if you're sending an international wire, setting up a business account, or using a specific service, you may need a different number.

The routing number is a nine-digit code that tells the banking system which financial institution and branch should receive your money. When you wire funds or set up automatic payments, the routing number is what ensures the money reaches Bank of America and gets posted to the correct account. Using the wrong routing number can delay your transfer or send it to the wrong place entirely.

Key Takeaways

  • Bank of America's primary routing number for California is 121000248, which works for most domestic transfers and direct deposits.
  • International wire transfers may require a different routing number or additional information like a SWIFT code.
  • You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
  • Always confirm the routing number with Bank of America before sending a large wire transfer to avoid delays or misdirected funds.

Where to find your routing number on a check

The easiest way to locate your Bank of America routing number is to look at a physical check. On the bottom left corner of any check, you'll see three sets of numbers separated by vertical lines. The first set of nine digits is your routing number. This is the same routing number you'll use for wire transfers, ACH transfers, and setting up direct deposit.

If you don't have checks handy or prefer not to use them, this method still works if you have access to an old check or a duplicate check order. The routing number doesn't change based on which specific check you're looking at — all checks from your Bank of America account in California will show the same routing number.

Finding the routing number in your online banking account

Log into your Bank of America online banking portal or mobile app and navigate to your account details or settings. Most accounts display the routing number in the account information section, sometimes labeled as "Bank Routing Number" or "ABA Number." You can also find it under the option to set up transfers or view wire transfer details.

If you can't locate it in the obvious places, look for a section about setting up external transfers or adding a new bank account. Bank of America often displays routing information when you're in the process of initiating a transfer, even if you don't complete it. This is a safe way to confirm the number without making an actual transaction.

Calling Bank of America to confirm your routing number

You can call Bank of America's customer service line at 1-800-432-1000 to speak with a representative who can provide your routing number. Have your account number ready when you call. This method is useful if you want to confirm the number before sending a large wire transfer or if you're unsure which routing number to use for your specific transaction type.

When you call, be clear about what you're using the routing number for — domestic wire transfer, international wire, ACH payment, or direct deposit. The representative can confirm whether 121000248 is correct for your situation or provide an alternative if needed.

International wire transfers and SWIFT codes

If you're sending money internationally from your Bank of America account in California, you'll need more than just a routing number. International transfers require a SWIFT code, which is different from a routing number. Bank of America's SWIFT code is BOFAUS3N for most international transfers.

For international wires, you'll typically provide the SWIFT code along with the recipient's international bank account number (IBAN) or account details in their country's format. Some international transfers may also ask for an intermediary bank or additional routing information depending on the destination country. Bank of America can walk you through the specific requirements when you initiate an international transfer.

Business accounts and alternative routing numbers

If you have a Bank of America business account in California, the routing number may differ from the standard consumer account number. Business accounts sometimes use routing number 121000248 as well, but it's worth confirming with your business banking representative because some business services use different routing numbers.

Similarly, if you have a Bank of America investment account, trust account, or other specialized account type, the routing number may be different. Before you initiate any transfer involving a business or specialized account, contact your account manager or call the business banking line to confirm the correct routing number for that specific account type.

What to do if your wire transfer is delayed or rejected

If you've sent a wire transfer and it hasn't arrived, the routing number is often the first thing to check. A wrong routing number can cause the transfer to be rejected by the receiving bank or sent to the wrong financial institution. Contact Bank of America immediately with your wire transfer confirmation number, and they can trace where the money went and help recover it if needed.

Bank of America can also help you verify that you used the correct routing number for the type of transfer you were making. If the routing number was correct but the transfer is still delayed, the issue may be on the receiving bank's end, and Bank of America can contact them on your behalf to locate the funds.

Frequently Asked Questions

Is the routing number the same for all Bank of America customers in California?

The primary routing number 121000248 is used by most Bank of America customers in California for domestic transfers. However, some business accounts, investment accounts, or specialized services may use different routing numbers. Always confirm with your specific account type before sending a transfer.

Can I use the same routing number for wire transfers and direct deposits?

Yes, the routing number 121000248 works for both domestic wire transfers and direct deposits for most Bank of America accounts in California. The routing number identifies the bank and branch, so it's the same regardless of the transfer method.

What's the difference between a routing number and a SWIFT code?

A routing number is used for domestic transfers within the United States, while a SWIFT code is used for international transfers. Bank of America's SWIFT code is BOFAUS3N. For international wires, you'll need both the SWIFT code and the recipient's international account information.

What happens if I use the wrong routing number?

Using the wrong routing number can cause your transfer to be rejected, delayed, or sent to the wrong bank. If this happens, contact Bank of America with your wire transfer confirmation number so they can trace the funds and help recover them.

Do I need to update my routing number if I move within California?

No, your routing number stays the same even if you move to a different city or county in California. The routing number is tied to your bank and account type, not your physical location.