The routing number for Bank of America in New Jersey depends on which branch or service you're using
Bank of America does not use a single routing number across all of New Jersey. The number you need depends on whether you're sending a wire transfer, setting up direct deposit, or moving money between accounts. Most wire transfers from Bank of America accounts in New Jersey use routing number 026009593, but some older accounts or specific branch locations may use 021000322. Before you wire money, confirm the correct number with your bank — using the wrong one can delay your transfer or send funds to the wrong place.
The routing number is a nine-digit code that tells the banking system which financial institution and branch should receive your money. It is different from your account number, which identifies your specific account within that bank. When you wire money, you need both the routing number and the account number to complete the transfer.
Key Takeaways
- Bank of America's primary routing number for New Jersey wire transfers is 026009593, though some accounts may use 021000322.
- You can find your correct routing number by calling Bank of America customer service, checking your checkbook, or logging into your online account.
- Using the wrong routing number can cause your wire transfer to be delayed or sent to an incorrect account.
- The routing number is different from your account number and is required for wire transfers, direct deposits, and ACH payments.
Where to find your Bank of America routing number
The fastest way to confirm your routing number is to call Bank of America directly at 1-800-432-1000 and speak with a representative. Have your account number ready. They can tell you immediately which routing number applies to your specific account and branch.
You can also find the routing number on the bottom left corner of your checks, printed as the first nine digits before your account number. If you do online banking, log into your Bank of America account, go to the account details or settings section, and look for routing information — it is usually listed under "account and routing numbers" or similar.
Bank of America's website also has a routing number lookup tool. Go to bankofamerica.com, search for "routing number," and enter your state and account type. This will show you the routing number for your specific situation.
Why Bank of America has multiple routing numbers
Large banks like Bank of America operate through many branches and processing centers across the country. Different routing numbers are assigned to different locations and services to direct money to the correct place. A routing number tied to a New Jersey branch may differ from one used for a national processing center, even though both are Bank of America.
Some older accounts may still be associated with routing numbers from banks that Bank of America acquired years ago. If your account was transferred during a merger, your routing number might not match the current standard. This is why confirming with the bank directly is always the safest step before sending a wire.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the wire transfer may be rejected before it leaves your account, and the money will be returned to you within a few business days. In other cases, the transfer might go through but arrive at the wrong bank or account. Recovering money sent to the wrong place can take weeks and may require help from both banks.
Some wire transfers cannot be reversed once they leave your account, so it is worth taking an extra minute to verify the routing number before you send. If you are unsure, call Bank of America and have them confirm the number over the phone before you initiate the transfer.
Routing numbers for other Bank of America services in New Jersey
Wire transfers, direct deposits, and ACH payments (automatic bill payments) sometimes use different routing numbers, though Bank of America typically uses the same one for all three. If you are setting up direct deposit for your paycheck, your employer may ask for a routing number — use 026009593 unless Bank of America tells you otherwise.
If you are receiving a wire transfer into your Bank of America account in New Jersey, give the sender your routing number along with your full account number and your name as it appears on the account. Double-check that the sender has written down both numbers correctly before they send the money.
How to verify the routing number before you wire money
Write down the routing number you plan to use and call Bank of America at 1-800-432-1000. Tell the representative you are about to send a wire transfer and ask them to confirm that the routing number is correct for your account. This takes two minutes and prevents costly mistakes.
You can also ask the person or business receiving the wire to confirm they have the correct routing number for Bank of America in New Jersey. If they have received Bank of America wires before, they may already have it on file and can verify it matches what you have.
Frequently Asked Questions
Is the routing number the same for all Bank of America branches in New Jersey?
Most branches in New Jersey use the same routing number for wire transfers (026009593), but some older accounts or specific situations may differ. Call Bank of America to confirm the routing number for your account rather than assuming all New Jersey accounts are the same.
Can I find my routing number on my debit card?
No, the routing number does not appear on your debit card. It is printed on the bottom left of your checks, visible in your online banking account, or available by calling Bank of America customer service.
What is the difference between a routing number and a SWIFT code?
A routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. If you are sending money outside the U.S., ask Bank of America for the SWIFT code instead of the routing number.
Do I need the routing number if I am transferring money between my own Bank of America accounts?
No. If both accounts are at Bank of America, you can transfer money between them using online banking or by calling the bank without needing a routing number. The routing number is only required when sending money to a different bank.