What Bank of America routing number you need depends on where your account is and what type of transfer you're making
Bank of America has different routing numbers for different regions and transfer types. The routing number is a nine-digit code that tells the banking system which Bank of America branch or processing center should receive your transfer. If you use the wrong one, your wire may be delayed or sent to the wrong place.
For domestic wire transfers within the United States, most Bank of America customers use routing number 021000021. This is the primary routing number for Bank of America's wire transfer processing center. However, some regions have their own routing numbers, and international wires use a different system entirely.
The safest way to confirm the correct routing number is to call Bank of America directly at the number on the back of your debit card or check your account online. Your bank can tell you in seconds whether you need the standard number or a regional one specific to your branch.
Key Takeaways
- Bank of America's standard domestic wire transfer routing number is 021000021, but some regions have different routing numbers.
- You can find your specific routing number by logging into your Bank of America online account or calling customer service.
- International wire transfers use a SWIFT code (BOFAUS3N) instead of a routing number.
- Using the wrong routing number can delay your transfer or cause it to be rejected by the receiving bank.
- Always double-check the routing number with your bank before sending a large wire transfer.
How to find your Bank of America routing number online
Log into your Bank of America account through their website or mobile app. Go to the account details or account information section — the exact location varies slightly between the website and app, but it's usually under "Account" or "Settings." Your routing number will be listed there along with your account number.
If you can't find it online, check a blank check from your Bank of America checking account. The routing number is the first set of nine digits on the bottom left of the check, before your account number. This is the most reliable way to confirm the number tied to your specific account and branch.
Regional routing numbers and when they matter
While 021000021 works for most Bank of America customers, some states and regions have their own routing numbers. California, Texas, Florida, and New York each have separate routing numbers for certain transaction types. If you're wiring money from a Bank of America branch in one of these states, your branch may require you to use a regional number instead of the standard one.
The difference usually doesn't matter for outgoing wires you're sending — the receiving bank's system will route it correctly either way. However, if you're receiving a wire and the sender asks for your routing number, give them the one from your checks or your online account. That number is tied to your specific account and branch.
International wire transfers and SWIFT codes
If you're sending money outside the United States, you won't use a routing number at all. Instead, you'll need Bank of America's SWIFT code: BOFAUS3N. A SWIFT code is the international equivalent of a routing number and tells foreign banks how to reach Bank of America's system.
International wires also require the recipient's IBAN (International Bank Account Number) or their bank's SWIFT code, depending on the country. Bank of America can provide you with all the information the receiving bank needs. Call them before you send an international wire to make sure you have the right codes and that the receiving bank will accept the transfer.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the wire may be rejected by the receiving bank's system before it leaves Bank of America. In that case, the funds stay in your account and you'll be notified of the error. You can then correct it and resend.
If the wrong number somehow reaches another bank, that bank will reject it and send it back to Bank of America, which will return it to your account. This process usually takes three to five business days. The wire won't be lost, but it will be delayed. To avoid this, always verify the routing number with your bank or check your own account information before sending.
Confirming the routing number before you wire
Before you send any wire transfer, write down the routing number and read it back to yourself digit by digit. A single wrong number changes where the money goes. If you're sending a large amount, call Bank of America and have a representative confirm the routing number over the phone.
If the wire is going to someone else's account, ask them to confirm their routing number independently — don't rely on them to tell you. Have them check their own checks or account information. This takes two minutes and prevents money from being sent to the wrong place.
Frequently Asked Questions
Is the routing number on my Bank of America check the same as the wire transfer routing number?
Usually yes, but not always. The number on your check is correct for receiving wires into your account. For sending wires, confirm with your bank first, especially if you're in California, Texas, Florida, or New York, where regional numbers sometimes apply to outgoing transfers.
Can I use the same routing number for ACH transfers and wire transfers?
No. ACH transfers (like direct deposit or bill pay) use a different routing number than wire transfers. Bank of America will provide the correct routing number for whichever type of transfer you're making. Always ask which number to use for the specific transaction type.
What if Bank of America tells me a different routing number than what I found online?
Use the number Bank of America gives you. If there's a discrepancy, the bank's customer service has access to your specific account and branch details. They know which number applies to your situation. Online resources can be outdated or regional-specific.
Do I need a SWIFT code to send a domestic wire transfer?
No. SWIFT codes are only for international transfers. For wires within the United States, use the nine-digit routing number. If you're sending money to another country, you'll need the SWIFT code instead.
How long does a wire transfer take if I use the correct routing number?
Domestic wire transfers usually arrive the same business day if sent before the bank's cutoff time (typically 2 p.m. or 3 p.m.). International wires typically take one to three business days depending on the receiving country and bank.